Independence Bank Mortgage Lending & HMDA Data, 2010
In 2010, Independence Bank of Houston, TX reported 2,010 mortgage applications totaling $344.4 million, up 208% from 2009. The average application was for $171,365, and applicants reported an average income of $1,449. 1% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Houston-Sugar Land-Baytown, TX (548), San Antonio-New Braunfels, TX (292) and Austin-Round Rock-San Marcos, TX (159) (applications in parentheses).
| Mortgage Company & Address | Independence Bank 13100 Northwest Freeway Suite 100 Houston, TX 77040 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,010 |
| Total Mortgage Loan Application Amount | $344,444,000 |
| Average Mortgage Loan Application Amount | $171,365 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $1,449 |
| Highest Applicant Income | $648,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Independence Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris, Texas | 369 | $ 59,546,000 | $ 161,371 | $ 7,000 |
| Bexar, Texas | 250 | $ 41,794,000 | $ 167,176 | $ 0 |
| Jefferson, Texas | 94 | $ 10,803,000 | $ 114,925 | $ 0 |
| Tarrant, Texas | 91 | $ 15,271,000 | $ 167,813 | $ 0 |
| Travis, Texas | 79 | $ 17,015,000 | $ 215,379 | $ 0 |
| Pierce, Washington | 79 | $ 19,008,000 | $ 240,607 | $ 0 |
| Fort Bend, Texas | 73 | $ 13,124,000 | $ 179,780 | $ 5,000 |
| Fayette, Kentucky | 72 | $ 11,763,000 | $ 163,375 | $ 0 |
| Williamson, Texas | 64 | $ 15,050,000 | $ 235,156 | $ 0 |
| Dallas, Texas | 47 | $ 7,078,000 | $ 150,595 | $ 0 |
| Galveston, Texas | 43 | $ 8,049,000 | $ 187,186 | $ 0 |
| Chatham, Georgia | 37 | $ 7,232,000 | $ 195,459 | $ 0 |
| Cameron, Texas | 36 | $ 4,529,000 | $ 125,805 | $ 0 |
| Montgomery, Texas | 32 | $ 5,477,000 | $ 171,156 | $ 0 |
| Denton, Texas | 31 | $ 6,244,000 | $ 201,419 | $ 0 |
| El Paso, Texas | 31 | $ 4,112,000 | $ 132,645 | $ 0 |
| Woodford, Kentucky | 30 | $ 4,457,000 | $ 148,566 | $ 0 |
| Hardin, Texas | 30 | $ 4,174,000 | $ 139,133 | $ 0 |
| Orange, Texas | 30 | $ 2,951,000 | $ 98,366 | $ 0 |
| Brazoria, Texas | 25 | $ 4,126,000 | $ 165,040 | $ 7,000 |
| Jefferson, Kentucky | 23 | $ 4,177,000 | $ 181,608 | $ 0 |
| Tuscarawas, Ohio | 23 | $ 2,729,000 | $ 118,652 | $ 0 |
| Collin, Texas | 23 | $ 4,934,000 | $ 214,521 | $ 0 |
| Warren, Kentucky | 21 | $ 2,721,000 | $ 129,571 | $ 0 |
| Guadalupe, Texas | 21 | $ 4,726,000 | $ 225,047 | $ 0 |
| Hays, Texas | 16 | $ 2,875,000 | $ 179,687 | $ 0 |
| Madison, Kentucky | 13 | $ 1,959,000 | $ 150,692 | $ 0 |
| El Paso, Colorado | 12 | $ 3,476,000 | $ 289,666 | $ 20,000 |
| Jim Wells, Texas | 12 | $ 1,274,000 | $ 106,166 | $ 0 |
| Jessamine, Kentucky | 10 | $ 1,420,000 | $ 142,000 | $ 0 |
| Washington, Texas | 10 | $ 1,485,000 | $ 148,500 | $ 0 |
| Maricopa, Arizona | 9 | $ 1,688,000 | $ 187,555 | $ 0 |
| Thurston, Washington | 9 | $ 2,112,000 | $ 234,666 | $ 0 |
| Rusk, Texas | 8 | $ 1,057,000 | $ 132,125 | $ 0 |
| Broward, Florida | 6 | $ 1,076,000 | $ 179,333 | $ 0 |
| Bryan, Georgia | 6 | $ 1,290,000 | $ 215,000 | $ 0 |
| Lincoln, Kentucky | 6 | $ 549,000 | $ 91,500 | $ 0 |
| Berkeley, South Carolina | 6 | $ 1,334,000 | $ 222,333 | $ 0 |
| Humphreys, Tennessee | 6 | $ 812,000 | $ 135,333 | $ 0 |
| Bandera, Texas | 6 | $ 862,000 | $ 143,666 | $ 0 |
| Kaufman, Texas | 6 | $ 786,000 | $ 131,000 | $ 0 |
| King, Washington | 6 | $ 1,340,000 | $ 223,333 | $ 0 |
| Allen, Kentucky | 5 | $ 493,000 | $ 98,600 | $ 0 |
| Garrard, Kentucky | 5 | $ 736,000 | $ 147,200 | $ 0 |
| Grayson, Kentucky | 5 | $ 650,000 | $ 130,000 | $ 0 |
| Scott, Kentucky | 5 | $ 643,000 | $ 128,600 | $ 0 |
| Davidson, Tennessee | 5 | $ 917,000 | $ 183,400 | $ 0 |
| Wilson, Tennessee | 5 | $ 838,000 | $ 167,600 | $ 0 |
| Comal, Texas | 5 | $ 1,246,000 | $ 249,200 | $ 0 |
| Hidalgo, Texas | 5 | $ 587,000 | $ 117,400 | $ 0 |
| Miami-Dade, Florida | 4 | $ 872,000 | $ 218,000 | $ 0 |
| Boyle, Kentucky | 4 | $ 481,000 | $ 120,250 | $ 0 |
| Frio, Texas | 4 | $ 425,000 | $ 106,250 | $ 0 |
| Kendall, Texas | 4 | $ 792,000 | $ 198,000 | $ 0 |
| Rockwall, Texas | 4 | $ 883,000 | $ 220,750 | $ 0 |
| Waller, Texas | 4 | $ 908,000 | $ 227,000 | $ 0 |
| Teller, Colorado | 3 | $ 1,354,000 | $ 451,333 | $ 0 |
| Effingham, Georgia | 3 | $ 686,000 | $ 228,666 | $ 0 |
| Bullitt, Kentucky | 3 | $ 385,000 | $ 128,333 | $ 0 |
| Montgomery, Kentucky | 3 | $ 457,000 | $ 152,333 | $ 0 |
| Dickson, Tennessee | 3 | $ 374,000 | $ 124,666 | $ 0 |
| Rutherford, Tennessee | 3 | $ 501,000 | $ 167,000 | $ 0 |
| Shelby, Tennessee | 3 | $ 1,191,000 | $ 397,000 | $ 0 |
| Sumner, Tennessee | 3 | $ 691,000 | $ 230,333 | $ 0 |
| Williamson, Tennessee | 3 | $ 545,000 | $ 181,666 | $ 0 |
| Hood, Texas | 3 | $ 497,000 | $ 165,666 | $ 0 |
| Kleberg, Texas | 3 | $ 377,000 | $ 125,666 | $ 0 |
| Medina, Texas | 3 | $ 615,000 | $ 205,000 | $ 0 |
| Wilson, Texas | 3 | $ 627,000 | $ 209,000 | $ 0 |
| Paulding, Georgia | 2 | $ 266,000 | $ 133,000 | $ 0 |
| Barren, Kentucky | 2 | $ 176,000 | $ 88,000 | $ 0 |
| Clark, Kentucky | 2 | $ 228,000 | $ 114,000 | $ 0 |
| Daviess, Kentucky | 2 | $ 225,000 | $ 112,500 | $ 0 |
| Edmonson, Kentucky | 2 | $ 177,000 | $ 88,500 | $ 0 |
| Spencer, Kentucky | 2 | $ 397,000 | $ 198,500 | $ 0 |
| Stark, Ohio | 2 | $ 265,000 | $ 132,500 | $ 0 |
| Charleston, South Carolina | 2 | $ 265,000 | $ 132,500 | $ 0 |
| Cheatham, Tennessee | 2 | $ 337,000 | $ 168,500 | $ 0 |
| Maury, Tennessee | 2 | $ 375,000 | $ 187,500 | $ 0 |
| Jasper, Texas | 2 | $ 261,000 | $ 130,500 | $ 0 |
| Lubbock, Texas | 2 | $ 136,000 | $ 68,000 | $ 264,000 |
| Tyler, Texas | 2 | $ 203,000 | $ 101,500 | $ 0 |
| Wichita, Texas | 2 | $ 303,000 | $ 151,500 | $ 0 |
| Pima, Arizona | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Pinal, Arizona | 1 | $ 171,000 | $ 171,000 | $ 0 |
| Alameda, California | 1 | $ 342,000 | $ 342,000 | $ 0 |
| Contra Costa, California | 1 | $ 401,000 | $ 401,000 | $ 0 |
| Los Angeles, California | 1 | $ 462,000 | $ 462,000 | $ 0 |
| Orange, California | 1 | $ 516,000 | $ 516,000 | $ 0 |
| Riverside, California | 1 | $ 315,000 | $ 315,000 | $ 0 |
| San Diego, California | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Santa Clara, California | 1 | $ 631,000 | $ 631,000 | $ 0 |
| Otero, Colorado | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Martin, Florida | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 252,000 | $ 252,000 | $ 0 |
| Orange, Florida | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Cobb, Georgia | 1 | $ 278,000 | $ 278,000 | $ 0 |
| Coweta, Georgia | 1 | $ 133,000 | $ 133,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Habersham, Georgia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Hall, Georgia | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Newton, Georgia | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Rockdale, Georgia | 1 | $ 238,000 | $ 238,000 | $ 0 |
| Anderson, Kentucky | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Bourbon, Kentucky | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Butler, Kentucky | 1 | $ 78,000 | $ 78,000 | $ 0 |
| Casey, Kentucky | 1 | $ 97,000 | $ 97,000 | $ 0 |
| Estill, Kentucky | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Fleming, Kentucky | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Floyd, Kentucky | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Franklin, Kentucky | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Harrison, Kentucky | 1 | $ 164,000 | $ 164,000 | $ 0 |
| Kenton, Kentucky | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Laurel, Kentucky | 1 | $ 251,000 | $ 251,000 | $ 0 |
| Nelson, Kentucky | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Pendleton, Kentucky | 1 | $ 63,000 | $ 63,000 | $ 0 |
| Pike, Kentucky | 1 | $ 217,000 | $ 217,000 | $ 0 |
| Pulaski, Kentucky | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Shelby, Kentucky | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Whitley, Kentucky | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Harford, Maryland | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Middlesex, Massachusetts | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Carroll, Ohio | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Wayne, Ohio | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Umatilla, Oregon | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Dorchester, South Carolina | 1 | $ 189,000 | $ 189,000 | $ 0 |
| Horry, South Carolina | 1 | $ 199,000 | $ 199,000 | $ 0 |
| DeKalb, Tennessee | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Fayette, Tennessee | 1 | $ 204,000 | $ 204,000 | $ 0 |
| Giles, Tennessee | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Hamilton, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Houston, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Knox, Tennessee | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Lawrence, Tennessee | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Montgomery, Tennessee | 1 | $ 177,000 | $ 177,000 | $ 0 |
| Bell, Texas | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Bowie, Texas | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Burleson, Texas | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Chambers, Texas | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Cherokee, Texas | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Ellis, Texas | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Fayette, Texas | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Gregg, Texas | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Henderson, Texas | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Johnson, Texas | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Lee, Texas | 1 | $ 276,000 | $ 276,000 | $ 0 |
| Liberty, Texas | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Llano, Texas | 1 | $ 100,000 | $ 100,000 | $ 0 |
| McLennan, Texas | 1 | $ 263,000 | $ 263,000 | $ 0 |
| Midland, Texas | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Navarro, Texas | 1 | $ 163,000 | $ 163,000 | $ 0 |
| Nueces, Texas | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Parker, Texas | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Smith, Texas | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Uvalde, Texas | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Fairfax, Virginia | 1 | $ 664,000 | $ 664,000 | $ 0 |
| Prince William, Virginia | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Grays Harbor, Washington | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Mason, Washington | 1 | $ 106,000 | $ 106,000 | $ 0 |
Mortgage Loan Application Detail Totals for Independence Bank in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 1,646 | $276,125,000 | $167,000 | $1,000,000 | $1,000 | $648,000 |
| Refinancing | 359 | $68,137,000 | $189,000 | $770,000 | $2,000 | $269,000 |
| Home Improvement | 5 | $182,000 | $36,000 | $62,000 | $110,000 | $194,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,987 | $339,709,000 | $170,000 | $760,000 | $0 | $0 |
| White | 12 | $1,433,000 | $119,000 | $634,000 | $191,000 | $306,000 |
| Not Provided | 8 | $3,005,000 | $375,000 | $1,000,000 | $212,000 | $648,000 |
| Black or African American | 2 | $124,000 | $62,000 | $62,000 | $33,000 | $66,000 |
| American Indian or Alaskan Native | 1 | $173,000 | $173,000 | $173,000 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,406 | $219,434,000 | $156,000 | $664,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 344 | $73,687,000 | $214,000 | $590,000 | $0 | $0 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 225 | $46,790,000 | $207,000 | $1,000,000 | $18,000 | $648,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $4,533,000 | $129,000 | $206,000 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 1,989 | $340,081,000 | $170,000 | $760,000 | $0 | $0 |
| Loan Originated | 13 | $2,349,000 | $180,000 | $770,000 | $192,000 | $306,000 |
| Application Denied By Financial Institution | 4 | $184,000 | $46,000 | $62,000 | $64,000 | $96,000 |
| Application Withdrawn By Applicant | 3 | $1,060,000 | $353,000 | $1,000,000 | $217,000 | $360,000 |
| File Closed For Incompleteness | 1 | $770,000 | $770,000 | $770,000 | $648,000 | $648,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 2 | $60,000 | $30,000 | $30,000 | $96,000 | $96,000 |
| Debt-To-Income Ratio | 1 | $62,000 | $62,000 | $62,000 | $0 | $0 |
| Other | 1 | $62,000 | $62,000 | $62,000 | $66,000 | $66,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Independence Bank's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Independence Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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