Homebuyers in Calloway County County who chose Independence Bank of Kentucky paid $1,557 less in closing costs than the county median.
County Median Costs
$4,194
−16.2% vs Kentucky ($5,007)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$1,400
Purchase Originations
226
Denial Rate
14.5%
vs Kentucky avg (15.1%)
vs Kentucky Median
16.2% below
$-813
vs National Median
37.2% below
$-2,486
5 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,637 | 6.950% | $550 | 15 | −$884 | |
| 2 | $3,362 | 6.625% | $1,135 | 22 | −$159 | |
| 3 | $3,443 | 6.812% | $1,170 | 10 | −$78 | |
| 4 | $3,459 | 6.625% | $1,445 | 21 | −$62 | |
| 5 | $4,090 | 6.874% | $1,963 | 14 | +$569 |
Includes lenders with 10+ purchase originations in Calloway County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Kentucky → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.