Independent Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Independent Bank 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Independent Bank 4200 East Beltline Grand Rapids, MI 49525 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 10,505 |
| Total Mortgage Loan Application Amount | $2,343,965,000 |
| Average Mortgage Loan Application Amount | $167,166 |
| Highest Mortgage Loan Application Amount | $2,485,000 |
| Average Applicant Income | $108,333 |
| Highest Applicant Income | $2,247,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Independent Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Independent Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Independent Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Independent Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Independent Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Independent Bank's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kent County Michigan | 1,587 | $ 336,385,000 | $ 211,000 | $ 120,000 |
| Oakland County Michigan | 1,006 | $ 326,970,000 | $ 325,000 | $ 178,000 |
| Wayne County Michigan | 682 | $ 161,090,000 | $ 236,000 | $ 136,000 |
| Livingston County Michigan | 541 | $ 139,165,000 | $ 257,000 | $ 125,000 |
| Grand Traverse County Michigan | 485 | $ 102,835,000 | $ 212,000 | $ 116,000 |
| Washtenaw County Michigan | 379 | $ 108,955,000 | $ 287,000 | $ 156,000 |
| Ottawa County Michigan | 344 | $ 80,410,000 | $ 233,000 | $ 122,000 |
| Ingham County Michigan | 338 | $ 51,570,000 | $ 152,000 | $ 101,000 |
| Saginaw County Michigan | 302 | $ 41,500,000 | $ 137,000 | $ 85,000 |
| Macomb County Michigan | 276 | $ 64,700,000 | $ 234,000 | $ 113,000 |
| Ionia County Michigan | 261 | $ 38,085,000 | $ 145,000 | $ 76,000 |
| Bay County Michigan | 258 | $ 31,090,000 | $ 120,000 | $ 84,000 |
| Newaygo County Michigan | 245 | $ 35,835,000 | $ 146,000 | $ 89,000 |
| Eaton County Michigan | 241 | $ 35,535,000 | $ 147,000 | $ 86,000 |
| Muskegon County Michigan | 219 | $ 33,705,000 | $ 153,000 | $ 98,000 |
| Summit County Ohio | 203 | $ 58,055,000 | $ 285,000 | $ 171,000 |
| Montcalm County Michigan | 186 | $ 25,230,000 | $ 135,000 | $ 78,000 |
| Leelanau County Michigan | 154 | $ 37,840,000 | $ 245,000 | $ 147,000 |
| Franklin County Ohio | 144 | $ 47,220,000 | $ 327,000 | $ 182,000 |
| Berrien County Michigan | 137 | $ 42,985,000 | $ 313,000 | $ 243,000 |
| Genesee County Michigan | 129 | $ 22,585,000 | $ 175,000 | $ 112,000 |
| Mecosta County Michigan | 112 | $ 17,020,000 | $ 151,000 | $ 103,000 |
| Jackson County Michigan | 98 | $ 15,570,000 | $ 158,000 | $ 88,000 |
| Kalamazoo County Michigan | 97 | $ 23,565,000 | $ 242,000 | $ 117,000 |
| Delaware County Ohio | 90 | $ 46,020,000 | $ 511,000 | $ 254,000 |
| Barry County Michigan | 87 | $ 20,685,000 | $ 237,000 | $ 134,000 |
| Huron County Michigan | 83 | $ 7,975,000 | $ 96,000 | $ 82,000 |
| Clinton County Michigan | 82 | $ 13,940,000 | $ 170,000 | $ 107,000 |
| Midland County Michigan | 79 | $ 12,715,000 | $ 160,000 | $ 98,000 |
| Wexford County Michigan | 74 | $ 11,740,000 | $ 158,000 | $ 106,000 |
| Tuscola County Michigan | 72 | $ 8,090,000 | $ 112,000 | $ 70,000 |
| Allegan County Michigan | 71 | $ 16,725,000 | $ 235,000 | $ 105,000 |
| Antrim County Michigan | 70 | $ 16,830,000 | $ 240,000 | $ 140,000 |
| Cuyahoga County Ohio | 61 | $ 18,465,000 | $ 302,000 | $ 151,000 |
| Shiawassee County Michigan | 57 | $ 8,065,000 | $ 141,000 | $ 78,000 |
| Charlevoix County Michigan | 55 | $ 18,275,000 | $ 332,000 | $ 328,000 |
| Medina County Ohio | 53 | $ 24,015,000 | $ 453,000 | $ 288,000 |
| Benzie County Michigan | 52 | $ 9,930,000 | $ 190,000 | $ 114,000 |
| Calhoun County Michigan | 51 | $ 7,335,000 | $ 143,000 | $ 80,000 |
| Kalkaska County Michigan | 50 | $ 8,570,000 | $ 171,000 | $ 114,000 |
| Lapeer County Michigan | 48 | $ 7,120,000 | $ 148,000 | $ 79,000 |
| Isabella County Michigan | 40 | $ 5,120,000 | $ 128,000 | $ 75,000 |
| Van Buren County Michigan | 39 | $ 7,995,000 | $ 205,000 | $ 119,000 |
| Missaukee County Michigan | 38 | $ 5,370,000 | $ 141,000 | $ 65,000 |
| Oceana County Michigan | 38 | $ 4,950,000 | $ 130,000 | $ 84,000 |
| Union County Ohio | 38 | $ 16,510,000 | $ 434,000 | $ 228,000 |
| Osceola County Michigan | 36 | $ 4,770,000 | $ 132,000 | $ 82,000 |
| Sanilac County Michigan | 34 | $ 4,260,000 | $ 125,000 | $ 94,000 |
| Gladwin County Michigan | 31 | $ 3,875,000 | $ 125,000 | $ 98,000 |
| Monroe County Michigan | 26 | $ 4,960,000 | $ 190,000 | $ 88,000 |
| Arenac County Michigan | 24 | $ 2,870,000 | $ 119,000 | $ 95,000 |
| Clare County Michigan | 24 | $ 2,500,000 | $ 104,000 | $ 79,000 |
| Stark County Ohio | 24 | $ 7,980,000 | $ 332,000 | $ 202,000 |
| Manistee County Michigan | 23 | $ 4,345,000 | $ 188,000 | $ 162,000 |
| Lake County Michigan | 22 | $ 3,480,000 | $ 158,000 | $ 129,000 |
| Portage County Ohio | 22 | $ 5,630,000 | $ 255,000 | $ 120,000 |
| Cook County Illinois | 20 | $ 6,600,000 | $ 330,000 | $ 204,000 |
| Gratiot County Michigan | 20 | $ 2,390,000 | $ 119,000 | $ 65,000 |
| Roscommon County Michigan | 20 | $ 2,950,000 | $ 147,000 | $ 165,000 |
| Lee County Florida | 17 | $ 5,965,000 | $ 350,000 | $ 208,000 |
| Mason County Michigan | 17 | $ 2,765,000 | $ 162,000 | $ 170,000 |
| Lenawee County Michigan | 16 | $ 2,880,000 | $ 180,000 | $ 141,000 |
| Licking County Ohio | 16 | $ 6,420,000 | $ 401,000 | $ 189,000 |
| Emmet County Michigan | 15 | $ 3,665,000 | $ 244,000 | $ 190,000 |
| Otsego County Michigan | 15 | $ 1,855,000 | $ 123,000 | $ 96,000 |
| St. Clair County Michigan | 15 | $ 3,255,000 | $ 217,000 | $ 115,000 |
| Fairfield County Ohio | 14 | $ 3,670,000 | $ 262,000 | $ 155,000 |
| Lucas County Ohio | 14 | $ 2,060,000 | $ 147,000 | $ 76,000 |
| Cheboygan County Michigan | 13 | $ 3,725,000 | $ 286,000 | $ 193,000 |
| Iosco County Michigan | 13 | $ 1,705,000 | $ 131,000 | $ 122,000 |
| Wayne County Ohio | 12 | $ 3,440,000 | $ 286,000 | $ 126,000 |
| Alcona County Michigan | 11 | $ 2,595,000 | $ 235,000 | $ 155,000 |
| Collier County Florida | 10 | $ 7,860,000 | $ 786,000 | $ 530,000 |
| Cass County Michigan | 10 | $ 1,920,000 | $ 192,000 | $ 63,000 |
| Montmorency County Michigan | 10 | $ 1,090,000 | $ 109,000 | $ 101,000 |
| Ogemaw County Michigan | 9 | $ 1,635,000 | $ 181,000 | $ 136,000 |
| Hamilton County Ohio | 9 | $ 1,925,000 | $ 213,000 | $ 223,000 |
| Lorain County Ohio | 8 | $ 2,100,000 | $ 262,000 | $ 184,000 |
| Alpena County Michigan | 7 | $ 925,000 | $ 132,000 | $ 60,000 |
| Charlotte County Florida | 6 | $ 1,440,000 | $ 240,000 | $ 220,000 |
| Hillsdale County Michigan | 6 | $ 1,030,000 | $ 171,000 | $ 98,000 |
| Mackinac County Michigan | 6 | $ 1,040,000 | $ 173,000 | $ 191,000 |
| Geauga County Ohio | 6 | $ 3,520,000 | $ 586,000 | $ 236,000 |
| Sarasota County Florida | 5 | $ 1,805,000 | $ 361,000 | $ 127,000 |
| DuPage County Illinois | 5 | $ 1,985,000 | $ 397,000 | $ 228,000 |
| St. Joseph County Michigan | 5 | $ 925,000 | $ 185,000 | $ 112,000 |
| Madison County Ohio | 5 | $ 1,605,000 | $ 321,000 | $ 92,000 |
| Miami-Dade County Florida | 4 | $ 3,150,000 | $ 787,000 | $ 443,000 |
| Pinellas County Florida | 4 | $ 1,150,000 | $ 287,000 | $ 242,000 |
| St. Lucie County Florida | 4 | $ 1,070,000 | $ 267,000 | $ 966,000 |
| Will County Illinois | 4 | $ 1,910,000 | $ 477,000 | $ 391,000 |
| Marion County Indiana | 4 | $ 570,000 | $ 142,000 | $ 73,000 |
| St. Joseph County Indiana | 4 | $ 1,090,000 | $ 272,000 | $ 119,000 |
| Pickaway County Ohio | 4 | $ 1,210,000 | $ 302,000 | $ 178,000 |
| Lake County Illinois | 3 | $ 1,555,000 | $ 518,000 | $ 179,000 |
| Wake County North Carolina | 3 | $ 835,000 | $ 278,000 | $ 147,000 |
| Greene County Ohio | 3 | $ 1,385,000 | $ 461,000 | $ 249,000 |
| Hancock County Ohio | 3 | $ 535,000 | $ 178,000 | $ 75,000 |
| Knox County Ohio | 3 | $ 485,000 | $ 161,000 | $ 110,000 |
| Lake County Ohio | 3 | $ 765,000 | $ 255,000 | $ 239,000 |
| Tuscarawas County Ohio | 3 | $ 685,000 | $ 228,000 | $ 107,000 |
| Wyandot County Ohio | 3 | $ 585,000 | $ 195,000 | $ 115,000 |
| Broward County Florida | 2 | $ 910,000 | $ 455,000 | $ 381,000 |
| Hillsborough County Florida | 2 | $ 960,000 | $ 480,000 | $ 204,000 |
| Indian River County Florida | 2 | $ 610,000 | $ 305,000 | $ 251,000 |
| Manatee County Florida | 2 | $ 770,000 | $ 385,000 | $ 416,000 |
| Pasco County Florida | 2 | $ 310,000 | $ 155,000 | $ 71,000 |
| Sumter County Florida | 2 | $ 300,000 | $ 150,000 | $ 107,000 |
| Allen County Indiana | 2 | $ 390,000 | $ 195,000 | $ 139,000 |
| Elkhart County Indiana | 2 | $ 530,000 | $ 265,000 | $ 174,000 |
| Howard County Indiana | 2 | $ 250,000 | $ 125,000 | $ 48,000 |
| Branch County Michigan | 2 | $ 330,000 | $ 165,000 | $ 97,000 |
| Crawford County Michigan | 2 | $ 760,000 | $ 380,000 | $ 295,000 |
| Schoolcraft County Michigan | 2 | $ 280,000 | $ 140,000 | $ 158,000 |
| Union County North Carolina | 2 | $ 580,000 | $ 290,000 | $ 189,000 |
| Erie County Ohio | 2 | $ 320,000 | $ 160,000 | $ 118,000 |
| Holmes County Ohio | 2 | $ 710,000 | $ 355,000 | $ 164,000 |
| Marion County Ohio | 2 | $ 470,000 | $ 235,000 | $ 99,000 |
| Ottawa County Ohio | 2 | $ 930,000 | $ 465,000 | $ 150,000 |
| Perry County Ohio | 2 | $ 820,000 | $ 410,000 | $ 381,000 |
| Warren County Ohio | 2 | $ 880,000 | $ 440,000 | $ 710,000 |
| Wood County Ohio | 2 | $ 260,000 | $ 130,000 | $ 43,000 |
| Bay County Florida | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Citrus County Florida | 1 | $ 275,000 | $ 275,000 | $ 170,000 |
| Escambia County Florida | 1 | $ 455,000 | $ 455,000 | $ 295,000 |
| Lake County Florida | 1 | $ 385,000 | $ 385,000 | $ 560,000 |
| Leon County Florida | 1 | $ 75,000 | $ 75,000 | $ 538,000 |
| Monroe County Florida | 1 | $ 515,000 | $ 515,000 | $ 33,000 |
| Okeechobee County Florida | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Osceola County Florida | 1 | $ 225,000 | $ 225,000 | $ 460,000 |
| Palm Beach County Florida | 1 | $ 395,000 | $ 395,000 | $ 245,000 |
| Polk County Florida | 1 | $ 135,000 | $ 135,000 | $ 84,000 |
| Kankakee County Illinois | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Tazewell County Illinois | 1 | $ 95,000 | $ 95,000 | $ 59,000 |
| Hendricks County Indiana | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Kosciusko County Indiana | 1 | $ 205,000 | $ 205,000 | $ 149,000 |
| Lake County Indiana | 1 | $ 495,000 | $ 495,000 | $ 486,000 |
| LaPorte County Indiana | 1 | $ 345,000 | $ 345,000 | $ 172,000 |
| Porter County Indiana | 1 | $ 395,000 | $ 395,000 | $ 154,000 |
| Steuben County Indiana | 1 | $ 185,000 | $ 185,000 | $ 149,000 |
| Jefferson County Kentucky | 1 | $ 235,000 | $ 235,000 | $ 140,000 |
| Alger County Michigan | 1 | $ 85,000 | $ 85,000 | $ 102,000 |
| Gogebic County Michigan | 1 | $ 75,000 | $ 75,000 | $ 161,000 |
| Houghton County Michigan | 1 | $ 235,000 | $ 235,000 | $ 90,000 |
| Oscoda County Michigan | 1 | $ 65,000 | $ 65,000 | $ 143,000 |
| Presque Isle County Michigan | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Carteret County North Carolina | 1 | $ 475,000 | $ 475,000 | $ 192,000 |
| Dare County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 119,000 |
| Davidson County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 69,000 |
| Franklin County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 68,000 |
| Guilford County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Butler County Ohio | 1 | $ 385,000 | $ 385,000 | $ 165,000 |
| Clermont County Ohio | 1 | $ 195,000 | $ 195,000 | $ 62,000 |
| Fayette County Ohio | 1 | $ 305,000 | $ 305,000 | $ 109,000 |
| Guernsey County Ohio | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
| Huron County Ohio | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Mahoning County Ohio | 1 | $ 425,000 | $ 425,000 | $ 250,000 |
| Miami County Ohio | 1 | $ 185,000 | $ 185,000 | $ 152,000 |
| Montgomery County Ohio | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Muskingum County Ohio | 1 | $ 595,000 | $ 595,000 | $ 180,000 |
| Richland County Ohio | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Shelby County Ohio | 1 | $ 255,000 | $ 255,000 | $ 117,000 |
Mortgage Loan Application Detail Totals for Independent Bank in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 4,065 | $932,445,000 | $229,000 | $1,895,000 | $132,000 | $1,913,000 |
| Home Purchase | 3,953 | $999,705,000 | $252,000 | $2,485,000 | $130,000 | $2,247,000 |
| Cash-out Refinancing | 1,591 | $323,705,000 | $203,000 | $1,755,000 | $115,000 | $1,806,000 |
| Other Purpose | 485 | $44,065,000 | $90,000 | $1,755,000 | $147,000 | $1,913,000 |
| Home Improvement | 402 | $42,930,000 | $106,000 | $1,575,000 | $126,000 | $954,000 |
| Not Applicable | 9 | $1,115,000 | $123,000 | $345,000 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| White | 9,282 | $2,045,050,000 | $220,000 | $2,485,000 | $126,000 | $2,247,000 |
| Not Provided | 617 | $157,595,000 | $255,000 | $2,005,000 | $169,000 | $1,631,000 |
| Black or African American | 199 | $40,195,000 | $201,000 | $935,000 | $109,000 | $972,000 |
| Hispanic | 158 | $32,390,000 | $205,000 | $1,205,000 | $112,000 | $707,000 |
| Asian | 135 | $40,275,000 | $298,000 | $1,395,000 | $170,000 | $749,000 |
| Not applicable | 65 | $15,435,000 | $237,000 | $665,000 | $0 | $0 |
| American Indian or Alaskan Native | 24 | $3,280,000 | $136,000 | $455,000 | $70,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $152,000 | $152,000 |
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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 9,995 | $2,258,285,000 | $225,000 | $2,485,000 | $132,000 | $2,247,000 |
| FHA-insured (Federal Housing Administration) | 329 | $51,345,000 | $156,000 | $415,000 | $60,000 | $206,000 |
| VA-guaranteed (Veterans Administration) | 97 | $21,225,000 | $218,000 | $505,000 | $83,000 | $377,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 84 | $13,110,000 | $156,000 | $325,000 | $54,000 | $107,000 |
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 Originated | 8,185 | $1,860,965,000 | $227,000 | $2,485,000 | $130,000 | $2,247,000 |
| Application Withdrawn By Applicant | 1,369 | $302,495,000 | $220,000 | $1,705,000 | $135,000 | $1,913,000 |
| Application Denied By Financial Institution | 653 | $109,275,000 | $167,000 | $1,755,000 | $93,000 | $1,108,000 |
| File Closed For Incompleteness | 181 | $45,095,000 | $249,000 | $1,645,000 | $130,000 | $904,000 |
| Application Approved But Not Accepted | 63 | $13,565,000 | $215,000 | $1,055,000 | $169,000 | $1,227,000 |
| Loan Purchased By The Institution | 54 | $12,570,000 | $232,000 | $515,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 9,852 | $2,234,690,000 | $226,000 | $2,485,000 | $131,000 | $2,247,000 |
| Debt-To-Income Ratio | 274 | $58,020,000 | $211,000 | $1,755,000 | $66,000 | $687,000 |
| Credit History | 174 | $21,470,000 | $123,000 | $855,000 | $106,000 | $998,000 |
| Collateral | 97 | $11,645,000 | $120,000 | $705,000 | $132,000 | $1,108,000 |
| Other | 67 | $10,875,000 | $162,000 | $1,395,000 | $96,000 | $972,000 |
| Credit Application Incomplete | 20 | $2,170,000 | $108,000 | $405,000 | $121,000 | $509,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,115,000 | $235,000 | $515,000 | $100,000 | $214,000 |
| Employment History | 8 | $1,310,000 | $163,000 | $515,000 | $89,000 | $150,000 |
| Mortgage Insurance Denied | 3 | $1,535,000 | $511,000 | $815,000 | $171,000 | $171,000 |
| Unverifiable Information | 1 | $135,000 | $135,000 | $135,000 | $94,000 | $94,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Independent Bank's 2020 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 Independent 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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