PlainLender

West Point Bank

Radcliff, KY

West Point Bank processed 333 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 270 loans with a 8.7% denial rate. Home Purchase was the primary loan purpose. Based in Radcliff, KY. The approval rate of 81.1% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. West Point Bank processed 333 HMDA-reported mortgage applications in 2024, originating 270 loans and denying 29 for a denial rate of 8.7% (applicants themselves withdrew 14 files before a decision). The average loan amount was $188,604. The lender reports under LEI 549300PD2JKG2Z95GK78 from Radcliff, KY.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. West Point Bank's 81.1% origination rate tells you how often an application turned into funded money; the 8.7% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (327 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

333
Applications
270
Originated
8.7%
Denial Rate
$188,604
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 327 270 23 $188,914
USDA 4 0 4 $147,500
VA 2 0 2 $220,000

Top loan types — West Point Bank

Top loan types — West Point Bank Horizontal bar chart of the top 3 items by value (applications). Top loan types — West Point Bank Top 3 1. Conventional 327 2. USDA 4 3. VA 2 Top 5 loan types by application volume at West Point Bank (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for West Point Bank (LEI: 549300PD2JKG2Z95GK78) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 234 190 $216,282
Refinancing 57 44 $174,298
Home Improvement 27 24 $50,926
Other 15 12 $59,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 210 75.2% 12.9%
Asian 6 66.7% 0.0%
Joint 5 80.0% 0.0%
Black or African American 3 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 219 76.3% 11.4%
Hispanic or Latino 3 33.3% 66.7%
Joint 2 50.0% 0.0%

Nearby Lenders in KY

Other HMDA-reporting lenders in KY with similar activity. Compare any two side-by-side.

STOCKTON MORTGAGE CORPORATION

FRANKFORT, KY

12,011 apps 7,797 originated 6.5% denied

Liberty Federal Credit Union

Louisville, KY

6,132 apps 4,679 originated 7.9% denied

FARM CREDIT MID-AMERICA, ACA

LOUISVILLE, KY

5,902 apps 4,311 originated 10.4% denied

MAGNOLIA BANK

Elizabethtown, KY

5,338 apps 4,002 originated 7.8% denied

REPUBLIC BANK & TRUST

LOUISVILLE, KY

3,866 apps 2,192 originated 13.1% denied
Compare West Point Bank vs STOCKTON MORTGAGE CORPORATION →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did West Point Bank process?
West Point Bank processed 333 mortgage applications in the 2023 HMDA reporting year. Of these, 270 were originated (approved and funded), 14 were withdrawn by the applicant, and 29 were denied.
What is West Point Bank's mortgage approval rate?
West Point Bank has an approval (origination) rate of 81.1%, meaning 81.1% of all applications resulted in a funded mortgage. The denial rate is 8.7%.
What is the average loan amount at West Point Bank?
The average mortgage loan amount at West Point Bank is $188,604.
What types of mortgage loans does West Point Bank offer?
West Point Bank processes Conventional, USDA, VA loans. The most common type is Conventional with 327 applications and an average loan amount of $188,914.
What loan purposes does West Point Bank serve?
West Point Bank serves the following loan purposes: Home Purchase (234 applications), Refinancing (57 applications), Home Improvement (27 applications), Other (15 applications). Home Purchase is the most common purpose.
Where is West Point Bank located?
West Point Bank is headquartered in Radcliff, KY. The lender is identified by LEI 549300PD2JKG2Z95GK78 in HMDA data.
How does West Point Bank compare in lending across racial demographics?
West Point Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 75.2% and denial rate of 12.9%; Asian applicants have an approval rate of 66.7% and denial rate of 0.0%; Joint applicants have an approval rate of 80.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.