At Independence Bank, we strive to bring you something you can’t put a price on: peace of mind. We’ve vowed to keep the decision-making and servicing local for your home loan. So you can always call or come see us. And you can always talk to a real, live person who lives and works in the same community you do. Prefer to begin your journey from the comfort of home? Apply online today and get prequalified. Together, we will find a solution that best suits your needs.

Couple moving into new home.

No matter if you're buying your first home, second home, or home away from home, we're here to help you through the process every step of the way.

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Mortgage Products

Product Description
Fixed Rate Mortgage No surprises here. With a fixed rate mortgage the interest rate remains the same for the entire life of the loan making budget planning a breeze.
Adjustable-Rate Mortgage As the market rates fluctuate, so will an adjustable rate mortgage.
Balloon Mortgage For this loan the ratio of principal to interest changes throughout the repayment period, typically leaving a large balance at the end of the loan life. This is an ideal option for commercial property or land.
Kentucky Housing Corporation: FHA/USDA Mortgage Qualified applicants, both first time and repeat homebuyers, may be eligible for this government backed loan with down payment assistance available.
Refinancing Need to change your loan terms? Refinancing your existing loan with an new one could be a great solution.
Bridge Loan This short term loan helps homebuyers during the transaction period of buying and selling a home, secured by your existing home.
Construction Loan Building a home? You may need a short-term loan during construction that covers building costs, prior to permanent financing. This one is for you.
Jumbo Loan For home loans exceeding $510,400, a jumbo loan offers additional fixed and adjustable rate options.

Mortgage Resource Center

Purchasing a home can be simple with the right set of tools. Visit our Mortgage Resource Center to learn about your home equity and access financial calculators to determine the best price price point for your home loan. Waiting for a certain rate? Set a mortgage rate watch notification that goes directly to your inbox.

Prefer to talk to one of our experts about your options? We have you covered. Call 1-877-621-1776 and ask to speak to one of our experienced mortgage loan officers or visit your nearest Independence Bank location today.

Ready to get started? Apply online today.



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 1-877-621-1776.