Independent Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Independent Bank 2018 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 1600 Redbud Blvd Mckinney, TX 75069 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 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,789 |
| Total Mortgage Loan Application Amount | $904,915,000 |
| Average Mortgage Loan Application Amount | $305,166 |
| Highest Mortgage Loan Application Amount | $14,605,000 |
| Average Applicant Income | $160,333 |
| Highest Applicant Income | $6,066,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Denton County Texas | 328 | $ 88,380,000 | $ 269,000 | $ 123,000 |
| Travis County Texas | 295 | $ 136,645,000 | $ 463,000 | $ 278,000 |
| Harris County Texas | 245 | $ 87,645,000 | $ 357,000 | $ 275,000 |
| Collin County Texas | 244 | $ 76,410,000 | $ 313,000 | $ 178,000 |
| Dallas County Texas | 211 | $ 90,265,000 | $ 427,000 | $ 206,000 |
| Tarrant County Texas | 179 | $ 44,575,000 | $ 249,000 | $ 106,000 |
| Grayson County Texas | 170 | $ 35,570,000 | $ 209,000 | $ 124,000 |
| Webb County Texas | 137 | $ 23,485,000 | $ 171,000 | $ 55,000 |
| Williamson County Texas | 81 | $ 31,295,000 | $ 386,000 | $ 145,000 |
| McLennan County Texas | 70 | $ 18,660,000 | $ 266,000 | $ 219,000 |
| Rockwall County Texas | 54 | $ 18,360,000 | $ 340,000 | $ 157,000 |
| Hays County Texas | 53 | $ 15,805,000 | $ 298,000 | $ 155,000 |
| Kaufman County Texas | 39 | $ 9,745,000 | $ 249,000 | $ 97,000 |
| Ellis County Texas | 33 | $ 9,255,000 | $ 280,000 | $ 105,000 |
| Cooke County Texas | 32 | $ 6,510,000 | $ 203,000 | $ 111,000 |
| Hidalgo County Texas | 32 | $ 5,640,000 | $ 176,000 | $ 70,000 |
| Weld County Colorado | 31 | $ 9,625,000 | $ 310,000 | $ 178,000 |
| Johnson County Texas | 31 | $ 7,365,000 | $ 237,000 | $ 178,000 |
| Montgomery County Texas | 29 | $ 11,725,000 | $ 404,000 | $ 230,000 |
| Fort Bend County Texas | 27 | $ 13,035,000 | $ 482,000 | $ 272,000 |
| Bexar County Texas | 25 | $ 13,055,000 | $ 522,000 | $ 237,000 |
| El Paso County Colorado | 23 | $ 9,235,000 | $ 401,000 | $ 160,000 |
| Galveston County Texas | 23 | $ 7,975,000 | $ 346,000 | $ 169,000 |
| Hunt County Texas | 23 | $ 4,945,000 | $ 215,000 | $ 99,000 |
| Logan County Colorado | 19 | $ 3,105,000 | $ 163,000 | $ 76,000 |
| Larimer County Colorado | 18 | $ 7,190,000 | $ 399,000 | $ 219,000 |
| Hood County Texas | 18 | $ 3,560,000 | $ 197,000 | $ 79,000 |
| Denver County Colorado | 16 | $ 10,660,000 | $ 666,000 | $ 426,000 |
| Wise County Texas | 13 | $ 3,135,000 | $ 241,000 | $ 88,000 |
| Brazoria County Texas | 10 | $ 2,360,000 | $ 236,000 | $ 187,000 |
| Fannin County Texas | 10 | $ 1,910,000 | $ 191,000 | $ 100,000 |
| Parker County Texas | 10 | $ 2,690,000 | $ 269,000 | $ 176,000 |
| Arapahoe County Colorado | 9 | $ 2,765,000 | $ 307,000 | $ 77,000 |
| San Patricio County Texas | 9 | $ 1,705,000 | $ 189,000 | $ 83,000 |
| Burnet County Texas | 8 | $ 6,400,000 | $ 800,000 | $ 229,000 |
| Llano County Texas | 8 | $ 4,530,000 | $ 566,000 | $ 433,000 |
| Douglas County Colorado | 7 | $ 3,725,000 | $ 532,000 | $ 140,000 |
| Bell County Texas | 7 | $ 1,095,000 | $ 156,000 | $ 61,000 |
| Nueces County Texas | 7 | $ 1,305,000 | $ 186,000 | $ 122,000 |
| Bastrop County Texas | 6 | $ 1,320,000 | $ 220,000 | $ 149,000 |
| Brazos County Texas | 6 | $ 2,150,000 | $ 358,000 | $ 127,000 |
| Jefferson County Colorado | 5 | $ 2,485,000 | $ 497,000 | $ 123,000 |
| Comal County Texas | 5 | $ 2,015,000 | $ 403,000 | $ 173,000 |
| Henderson County Texas | 5 | $ 1,535,000 | $ 307,000 | $ 324,000 |
| Hill County Texas | 5 | $ 1,075,000 | $ 215,000 | $ 92,000 |
| Orange County Texas | 5 | $ 365,000 | $ 73,000 | $ 122,000 |
| Boulder County Colorado | 4 | $ 1,750,000 | $ 437,000 | $ 76,000 |
| Aransas County Texas | 4 | $ 900,000 | $ 225,000 | $ 162,000 |
| Kendall County Texas | 4 | $ 2,650,000 | $ 662,000 | $ 298,000 |
| Waller County Texas | 4 | $ 1,150,000 | $ 287,000 | $ 124,000 |
| Adams County Colorado | 3 | $ 835,000 | $ 278,000 | $ 68,000 |
| Park County Colorado | 3 | $ 1,185,000 | $ 395,000 | $ 87,000 |
| Summit County Colorado | 3 | $ 1,825,000 | $ 608,000 | $ 339,000 |
| Walton County Florida | 3 | $ 3,825,000 | $ 1,275,000 | $ 136,000 |
| Douglas County Kansas | 3 | $ 3,245,000 | $ 1,081,000 | $ 0 |
| Guadalupe County Texas | 3 | $ 1,015,000 | $ 338,000 | $ 58,000 |
| Jefferson County Texas | 3 | $ 535,000 | $ 178,000 | $ 0 |
| Montague County Texas | 3 | $ 395,000 | $ 131,000 | $ 111,000 |
| Somervell County Texas | 3 | $ 1,365,000 | $ 455,000 | $ 117,000 |
| Walker County Texas | 3 | $ 685,000 | $ 228,000 | $ 208,000 |
| Young County Texas | 3 | $ 655,000 | $ 218,000 | $ 130,000 |
| Jefferson County Alabama | 2 | $ 970,000 | $ 485,000 | $ 146,000 |
| Eagle County Colorado | 2 | $ 660,000 | $ 330,000 | $ 0 |
| Grand County Colorado | 2 | $ 1,320,000 | $ 660,000 | $ 913,000 |
| Pueblo County Colorado | 2 | $ 550,000 | $ 275,000 | $ 94,000 |
| San Miguel County Colorado | 2 | $ 1,560,000 | $ 780,000 | $ 691,000 |
| Bossier County Louisiana | 2 | $ 220,000 | $ 110,000 | $ 66,000 |
| Ottawa County Michigan | 2 | $ 430,000 | $ 215,000 | $ 93,000 |
| New Hanover County North Carolina | 2 | $ 490,000 | $ 245,000 | $ 0 |
| Medina County Ohio | 2 | $ 270,000 | $ 135,000 | $ 83,000 |
| Summit County Ohio | 2 | $ 140,000 | $ 70,000 | $ 59,000 |
| Blanco County Texas | 2 | $ 830,000 | $ 415,000 | $ 153,000 |
| Brown County Texas | 2 | $ 230,000 | $ 115,000 | $ 291,000 |
| Lubbock County Texas | 2 | $ 330,000 | $ 165,000 | $ 70,000 |
| Midland County Texas | 2 | $ 990,000 | $ 495,000 | $ 329,000 |
| Rains County Texas | 2 | $ 640,000 | $ 320,000 | $ 231,000 |
| Smith County Texas | 2 | $ 580,000 | $ 290,000 | $ 100,000 |
| Utah County Utah | 2 | $ 1,440,000 | $ 720,000 | $ 548,000 |
| Virginia Beach County Virginia | 2 | $ 690,000 | $ 345,000 | $ 217,000 |
| Tuscaloosa County Alabama | 1 | $ 395,000 | $ 395,000 | $ 2,621,000 |
| Newton County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 115,000 |
| Lake County California | 1 | $ 275,000 | $ 275,000 | $ 1,270,000 |
| Los Angeles County California | 1 | $ 335,000 | $ 335,000 | $ 76,000 |
| Riverside County California | 1 | $ 295,000 | $ 295,000 | $ 92,000 |
| San Bernardino County California | 1 | $ 135,000 | $ 135,000 | $ 0 |
| San Diego County California | 1 | $ 405,000 | $ 405,000 | $ 253,000 |
| Sonoma County California | 1 | $ 265,000 | $ 265,000 | $ 1,350,000 |
| Archuleta County Colorado | 1 | $ 335,000 | $ 335,000 | $ 119,000 |
| Chaffee County Colorado | 1 | $ 245,000 | $ 245,000 | $ 288,000 |
| Fremont County Colorado | 1 | $ 455,000 | $ 455,000 | $ 105,000 |
| Lake County Colorado | 1 | $ 705,000 | $ 705,000 | $ 327,000 |
| Routt County Colorado | 1 | $ 2,855,000 | $ 2,855,000 | $ 1,130,000 |
| Washington County Colorado | 1 | $ 65,000 | $ 65,000 | $ 109,000 |
| Collier County Florida | 1 | $ 1,285,000 | $ 1,285,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 305,000 | $ 305,000 | $ 145,000 |
| Sarasota County Florida | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Bartow County Georgia | 1 | $ 335,000 | $ 335,000 | $ 105,000 |
| Forsyth County Georgia | 1 | $ 225,000 | $ 225,000 | $ 88,000 |
| Cook County Illinois | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
| Scott County Iowa | 1 | $ 205,000 | $ 205,000 | $ 56,000 |
| Sedgwick County Kansas | 1 | $ 1,605,000 | $ 1,605,000 | $ 973,000 |
| Hardin County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Lafayette County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Genesee County Michigan | 1 | $ 215,000 | $ 215,000 | $ 157,000 |
| Hennepin County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Sherburne County Minnesota | 1 | $ 185,000 | $ 185,000 | $ 36,000 |
| Oktibbeha County Mississippi | 1 | $ 375,000 | $ 375,000 | $ 132,000 |
| St. Louis County Missouri | 1 | $ 455,000 | $ 455,000 | $ 232,000 |
| Gallatin County Montana | 1 | $ 1,455,000 | $ 1,455,000 | $ 181,000 |
| Box Butte County Nebraska | 1 | $ 175,000 | $ 175,000 | $ 80,000 |
| Clark County Nevada | 1 | $ 225,000 | $ 225,000 | $ 52,000 |
| Bernalillo County New Mexico | 1 | $ 165,000 | $ 165,000 | $ 240,000 |
| Colfax County New Mexico | 1 | $ 195,000 | $ 195,000 | $ 99,000 |
| Santa Fe County New Mexico | 1 | $ 285,000 | $ 285,000 | $ 1,364,000 |
| Oneida County New York | 1 | $ 145,000 | $ 145,000 | $ 47,000 |
| Suffolk County New York | 1 | $ 655,000 | $ 655,000 | $ 300,000 |
| Brunswick County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| Johnston County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Bryan County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Jackson County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 120,000 |
| Muskogee County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 173,000 |
| Oklahoma County Oklahoma | 1 | $ 565,000 | $ 565,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 455,000 | $ 455,000 | $ 190,000 |
| Lane County Oregon | 1 | $ 305,000 | $ 305,000 | $ 155,000 |
| Greenville County South Carolina | 1 | $ 405,000 | $ 405,000 | $ 1,622,000 |
| Richland County South Carolina | 1 | $ 455,000 | $ 455,000 | $ 213,000 |
| Sumter County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Rutherford County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 142,000 |
| Anderson County Texas | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Angelina County Texas | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Bosque County Texas | 1 | $ 135,000 | $ 135,000 | $ 119,000 |
| Caldwell County Texas | 1 | $ 415,000 | $ 415,000 | $ 115,000 |
| Cameron County Texas | 1 | $ 275,000 | $ 275,000 | $ 178,000 |
| Colorado County Texas | 1 | $ 605,000 | $ 605,000 | $ 219,000 |
| Coryell County Texas | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Franklin County Texas | 1 | $ 755,000 | $ 755,000 | $ 324,000 |
| Gillespie County Texas | 1 | $ 125,000 | $ 125,000 | $ 128,000 |
| Houston County Texas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Jeff Davis County Texas | 1 | $ 105,000 | $ 105,000 | $ 50,000 |
| Kerr County Texas | 1 | $ 295,000 | $ 295,000 | $ 144,000 |
| Kleberg County Texas | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Lamar County Texas | 1 | $ 185,000 | $ 185,000 | $ 172,000 |
| Lampasas County Texas | 1 | $ 325,000 | $ 325,000 | $ 86,000 |
| Leon County Texas | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Liberty County Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Milam County Texas | 1 | $ 455,000 | $ 455,000 | $ 204,000 |
| Nacogdoches County Texas | 1 | $ 145,000 | $ 145,000 | $ 126,000 |
| Navarro County Texas | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Palo Pinto County Texas | 1 | $ 405,000 | $ 405,000 | $ 411,000 |
| Polk County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Red River County Texas | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| San Jacinto County Texas | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| San Saba County Texas | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Taylor County Texas | 1 | $ 145,000 | $ 145,000 | $ 98,000 |
| Wichita County Texas | 1 | $ 35,000 | $ 35,000 | $ 141,000 |
| Wilson County Texas | 1 | $ 305,000 | $ 305,000 | $ 101,000 |
| Wood County Texas | 1 | $ 85,000 | $ 85,000 | $ 160,000 |
| Summit County Utah | 1 | $ 725,000 | $ 725,000 | $ 2,339,000 |
| Weber County Utah | 1 | $ 305,000 | $ 305,000 | $ 415,000 |
| Chesterfield County Virginia | 1 | $ 155,000 | $ 155,000 | $ 75,000 |
| King County Washington | 1 | $ 325,000 | $ 325,000 | $ 72,000 |
| Albany County Wyoming | 1 | $ 365,000 | $ 365,000 | $ 402,000 |
Mortgage Loan Application Detail Totals for Independent Bank in 2018
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 | 2,205 | $716,885,000 | $325,000 | $14,605,000 | $171,000 | $6,066,000 |
| Refinancing | 278 | $104,500,000 | $375,000 | $3,715,000 | $191,000 | $1,942,000 |
| Cash-out Refinancing | 195 | $63,975,000 | $328,000 | $2,505,000 | $152,000 | $1,193,000 |
| Home Improvement | 56 | $7,340,000 | $131,000 | $805,000 | $278,000 | $1,917,000 |
| Other Purpose | 54 | $11,760,000 | $217,000 | $1,625,000 | $170,000 | $951,000 |
| Not Applicable | 1 | $455,000 | $455,000 | $455,000 | $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 | 1,449 | $475,755,000 | $328,000 | $4,505,000 | $210,000 | $6,066,000 |
| Hispanic | 508 | $103,160,000 | $203,000 | $1,365,000 | $84,000 | $1,340,000 |
| Not Provided | 395 | $115,245,000 | $291,000 | $2,505,000 | $147,000 | $1,437,000 |
| Not applicable | 331 | $175,465,000 | $530,000 | $14,605,000 | $0 | $0 |
| Asian | 57 | $22,505,000 | $394,000 | $2,005,000 | $304,000 | $2,276,000 |
| Black or African American | 40 | $9,360,000 | $234,000 | $455,000 | $102,000 | $250,000 |
| American Indian or Alaskan Native | 6 | $2,720,000 | $453,000 | $815,000 | $239,000 | $722,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $410,000 | $205,000 | $275,000 | $141,000 | $202,000 |
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) | 2,233 | $784,785,000 | $351,000 | $14,605,000 | $203,000 | $6,066,000 |
| FHA-insured (Federal Housing Administration) | 430 | $86,690,000 | $201,000 | $655,000 | $71,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 98 | $28,210,000 | $287,000 | $1,325,000 | $97,000 | $422,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $5,230,000 | $186,000 | $605,000 | $70,000 | $220,000 |
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 | 2,309 | $755,095,000 | $327,000 | $14,605,000 | $179,000 | $6,066,000 |
| Application Withdrawn By Applicant | 354 | $112,510,000 | $317,000 | $2,125,000 | $142,000 | $1,177,000 |
| Application Approved But Not Accepted | 64 | $17,790,000 | $277,000 | $1,605,000 | $213,000 | $2,249,000 |
| Application Denied By Financial Institution | 61 | $19,485,000 | $319,000 | $2,505,000 | $154,000 | $876,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $57,000 | $57,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,728 | $885,430,000 | $324,000 | $14,605,000 | $174,000 | $6,066,000 |
| Debt-To-Income Ratio | 26 | $10,400,000 | $400,000 | $2,505,000 | $133,000 | $761,000 |
| Credit History | 10 | $1,650,000 | $165,000 | $685,000 | $105,000 | $284,000 |
| Other | 7 | $2,555,000 | $365,000 | $855,000 | $322,000 | $600,000 |
| Unverifiable Information | 7 | $1,895,000 | $270,000 | $565,000 | $212,000 | $876,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,975,000 | $395,000 | $1,115,000 | $89,000 | $149,000 |
| Collateral | 5 | $765,000 | $153,000 | $345,000 | $93,000 | $151,000 |
| Employment History | 1 | $245,000 | $245,000 | $245,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Independent Bank's 2018 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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