Applications / Mortgage Analytics / Lenders / Kentucky / Independence Bank of Kentucky
Owensboro, KY · State member bank · FRS · $3.8 billion assets · 1,075 loans in 2025
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1,075
loans originated, 2025
1,467
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Independence Bank of Kentucky is an all-conventional Kentucky bank that ranked 2 of 163 lenders in its home market of Owensboro, KY, where its share rose 2.9 points to 9.1%.
In Owensboro, KY, where it has reported since 1999, it ranked 2 of 163 lenders, behind Liberty Federal Credit Union and ahead of United Wholesale Mortgage and U.S. Bank. Its share rose from 6.2% to 9.1%. In Louisville/Jefferson County its share rose from 0.3% to 0.7%, and it ranked 15 of 250 in Bowling Green.
Every loan it made was conventional: no FHA (insured by the Federal Housing Administration), VA (guaranteed by the Department of Veterans Affairs) or RHS (guaranteed by the Department of Agriculture's Rural Housing Service) loans, which make up a small share at similar lenders (state member banks making between half and twice as many loans). Its typical loan was $135,000, against $205,000, smaller than at more than four in five of them.
It ranked 3 of 164 lenders in Paducah, behind The Paducah Bank and Trust Company and Community Financial Services Bank; its share fell from 7.4% to 6.1%, possibly because its own lending was flat while the whole market grew. Purchase loans were 41.6% of its lending and refinance 27.4%.
Originations fell 1% to 1,075, while similar lenders grew 7% and the whole market 10%. It made 2,246 loans five years before. The amount it lent rose from $195.4 million to $251.8 million.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Independence Bank of Kentucky took 1,467 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.6% · Refinance 27.4% · Other 22.1% · Home improvement 8.8%
Conventional 100.0% · of 1,075 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Kentucky | 1,046 | 97.3% |
| Indiana | 11 | 1.0% |
| Tennessee | 6 | 0.6% |
| Florida | 5 | 0.5% |
| Illinois | 3 | 0.3% |
| Georgia | 1 | 0.1% |
| Missouri | 1 | 0.1% |
| New Jersey | 1 | 0.1% |
| South Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Owensboro | 224 |
| Louisville/Jefferson County | 121 |
| Paducah | 109 |
| Bowling Green | 60 |
| Lexington-Fayette | 17 |
| Evansville | 5 |
| Nashville-Davidson--Murfreesboro--Franklin | 5 |
| Clarksville | 2 |
| Elizabethtown | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002N5OA6GM61AC70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 648242 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38136 | 1999–2017 |
Established 1 January 1909. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Independence Bank of Kentucky's data.
Independence Bank of Kentucky's data
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Independence Bank of Kentucky and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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