Largest lenders in Webster County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Independence Bank of Kentucky | B | 103 | 71 | 21.4% | 7.20% |
| 2 | Fifth Third Bank | D | 18 | 8 | 44.4% | 8.25% |
| 3 | Liberty | B | 18 | 11 | 11.1% | 6.63% |
| 4 | Rocket Mortgage | C | 17 | 13 | 11.8% | 6.88% |
| 5 | 21st Mortgage | F | 13 | 2 | 38.5% | 8.74% |
| 6 | Mortgage Research Center | C | 9 | 4 | 11.1% | 6.93% |
| 7 | Vanderbilt Mortgage and Finance | F | 9 | 1 | 66.7% | 9.99% |
| 8 | Gershman Investment | B | 8 | 8 | 0.0% | 6.00% |
| 9 | Planters Bank | A | 7 | 6 | 0.0% | — |
| 10 | U.S. Bank | D | 6 | 5 | 16.7% | 6.25% |
| 11 | Freedom Mortgage | B | 6 | 2 | 0.0% | 6.13% |
| 12 | Old National Bank | B | 6 | 2 | 50.0% | 6.17% |
| 13 | Mortgage Masters of Indiana | B | 6 | 4 | 16.7% | 6.63% |
| 14 | Pennymac Loan Services | C | 5 | 3 | 0.0% | 6.38% |
| 15 | Carrington Mortgage Services | D | 5 | 1 | 40.0% | 12.25% |
| 16 | FirstBank | C | 5 | 0 | 60.0% | — |
| 17 | Southwest Stage Funding | F | 5 | 1 | 0.0% | 7.50% |
| 18 | Heritage Federal Credit Union | D | 5 | 2 | 60.0% | 7.13% |
Best approval odds in Webster County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Independence Bank of Kentucky | 94 | 23.4% |
What Webster County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Webster County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 307 | 178 | 23.8% | 7.25% | $95,000 |
| 2024 | 349 | 194 | 24.6% | 7.31% | $105,000 |
| 2025 | 349 | 192 | 23.2% | 6.88% | $115,000 |
Frequently asked questions
23.2% of applications in Webster County were denied in 2025, against 18.8% statewide in Kentucky.
Independence Bank of Kentucky, with 103 applications in 2025 and a denial rate of 21.4%.
The median mortgage application in Webster County in 2025 was for $115,000; the median property value on originated loans was $195,000.