Whether you’re buying a home anywhere from McCracken County to Hancock County, our mortgage products deliver more than just the resources.

We also strive to bring you something you can’t put a price on: peace of mind. At Independence Bank, we’ve vowed to keep the decision-making and loan servicing local. So you can always come see us. And you can always talk to a real, live person who lives and works in the same community you do.

With fixed and adjustable rates, Independence Bank offers you the mortgage products and services you need, when you need them.

Mortgage products include:

  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage
  • Balloon Mortgage
  • Bridge Loans
  • Construction Loans
  • Kentucky Housing Corporation: FHA/USDA Mortgage
  • Refinancing
  • Jumbo Loans
  • Personal Loans

Mortgage product benefits:

  • Local loan decisions
  • Local servicing for the life of your loan
  • The option to make payments at any Independence Bank location

Apply now

You can now apply online for your mortgage with Independence Bank.

If you prefer to talk to one of our experts about current rates, terms and conditions, or to apply for a mortgage loan, call or stop by your nearest Independence Bank location. You can also print a blank loan application. Complete and mail to any Independence Bank location.

Specific information about servicing concerns or a suspected error on a mortgage secured loan should be provided in writing to the address listed below. If delivered to another location, your written notice may not receive timely response as required by regulation. 

Independence Bank
Attn: Loan Operations
P.O. Box 988
Owensboro, KY 42302-0988

Inquiries or general loan questions may be handled by calling Loan Operations at (270) 686-1776.