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 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 | 4,809 |
| Total Mortgage Loan Application Amount | $1,672,995,000 |
| Average Mortgage Loan Application Amount | $292,200 |
| Highest Mortgage Loan Application Amount | $38,745,000 |
| Average Applicant Income | $193,000 |
| Highest Applicant Income | $7,710,000 |
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 |
|---|---|---|---|---|
| Travis County Texas | 538 | $ 232,660,000 | $ 432,000 | $ 243,000 |
| Harris County Texas | 494 | $ 181,770,000 | $ 367,000 | $ 145,000 |
| Denton County Texas | 435 | $ 113,075,000 | $ 259,000 | $ 132,000 |
| Dallas County Texas | 276 | $ 124,300,000 | $ 450,000 | $ 223,000 |
| Tarrant County Texas | 243 | $ 64,885,000 | $ 267,000 | $ 133,000 |
| Weld County Colorado | 230 | $ 88,130,000 | $ 383,000 | $ 124,000 |
| Larimer County Colorado | 229 | $ 71,515,000 | $ 312,000 | $ 123,000 |
| Collin County Texas | 228 | $ 69,510,000 | $ 304,000 | $ 158,000 |
| El Paso County Colorado | 211 | $ 97,585,000 | $ 462,000 | $ 90,000 |
| Williamson County Texas | 206 | $ 58,730,000 | $ 285,000 | $ 162,000 |
| Grayson County Texas | 165 | $ 37,755,000 | $ 228,000 | $ 147,000 |
| Fort Bend County Texas | 103 | $ 29,395,000 | $ 285,000 | $ 135,000 |
| Adams County Colorado | 93 | $ 28,965,000 | $ 311,000 | $ 114,000 |
| Denver County Colorado | 90 | $ 57,630,000 | $ 640,000 | $ 263,000 |
| Rockwall County Texas | 80 | $ 27,400,000 | $ 342,000 | $ 130,000 |
| Arapahoe County Colorado | 72 | $ 34,850,000 | $ 484,000 | $ 162,000 |
| McLennan County Texas | 71 | $ 21,265,000 | $ 299,000 | $ 203,000 |
| Jefferson County Colorado | 66 | $ 26,500,000 | $ 401,000 | $ 141,000 |
| Montgomery County Texas | 60 | $ 18,680,000 | $ 311,000 | $ 302,000 |
| Hays County Texas | 55 | $ 18,485,000 | $ 336,000 | $ 269,000 |
| Hunt County Texas | 55 | $ 12,645,000 | $ 229,000 | $ 134,000 |
| Logan County Colorado | 43 | $ 8,925,000 | $ 207,000 | $ 85,000 |
| Johnson County Texas | 34 | $ 7,730,000 | $ 227,000 | $ 137,000 |
| Douglas County Colorado | 33 | $ 12,015,000 | $ 364,000 | $ 159,000 |
| Boulder County Colorado | 30 | $ 11,160,000 | $ 372,000 | $ 121,000 |
| Ellis County Texas | 30 | $ 7,540,000 | $ 251,000 | $ 105,000 |
| Kaufman County Texas | 27 | $ 5,425,000 | $ 200,000 | $ 74,000 |
| Cooke County Texas | 24 | $ 6,440,000 | $ 268,000 | $ 168,000 |
| Brazoria County Texas | 20 | $ 4,620,000 | $ 231,000 | $ 167,000 |
| Waller County Texas | 20 | $ 6,130,000 | $ 306,000 | $ 341,000 |
| Parker County Texas | 18 | $ 5,670,000 | $ 315,000 | $ 148,000 |
| Morgan County Colorado | 16 | $ 3,830,000 | $ 239,000 | $ 64,000 |
| Bastrop County Texas | 16 | $ 4,410,000 | $ 275,000 | $ 92,000 |
| Bexar County Texas | 16 | $ 4,160,000 | $ 260,000 | $ 142,000 |
| Burnet County Texas | 16 | $ 6,490,000 | $ 405,000 | $ 217,000 |
| Galveston County Texas | 16 | $ 7,340,000 | $ 458,000 | $ 313,000 |
| Fannin County Texas | 15 | $ 3,175,000 | $ 211,000 | $ 90,000 |
| Hood County Texas | 14 | $ 2,270,000 | $ 162,000 | $ 96,000 |
| Wise County Texas | 13 | $ 2,915,000 | $ 224,000 | $ 81,000 |
| Pueblo County Colorado | 12 | $ 2,030,000 | $ 169,000 | $ 43,000 |
| Maricopa County Arizona | 10 | $ 4,010,000 | $ 401,000 | $ 210,000 |
| Henderson County Texas | 10 | $ 4,170,000 | $ 417,000 | $ 430,000 |
| Llano County Texas | 10 | $ 4,570,000 | $ 457,000 | $ 335,000 |
| Summit County Colorado | 9 | $ 3,705,000 | $ 411,000 | $ 324,000 |
| Bell County Texas | 9 | $ 1,795,000 | $ 199,000 | $ 210,000 |
| Nueces County Texas | 9 | $ 4,495,000 | $ 499,000 | $ 411,000 |
| Walker County Texas | 8 | $ 2,490,000 | $ 311,000 | $ 195,000 |
| Grand County Colorado | 7 | $ 3,505,000 | $ 500,000 | $ 210,000 |
| Delta County Texas | 7 | $ 545,000 | $ 77,000 | $ 63,000 |
| Archuleta County Colorado | 6 | $ 2,170,000 | $ 361,000 | $ 181,000 |
| Broomfield County Colorado | 6 | $ 2,540,000 | $ 423,000 | $ 126,000 |
| Aransas County Texas | 6 | $ 2,770,000 | $ 461,000 | $ 1,205,000 |
| Brazos County Texas | 6 | $ 13,400,000 | $ 2,233,000 | $ 183,000 |
| Comal County Texas | 6 | $ 1,830,000 | $ 305,000 | $ 1,066,000 |
| Gillespie County Texas | 6 | $ 2,400,000 | $ 400,000 | $ 221,000 |
| Guadalupe County Texas | 6 | $ 1,720,000 | $ 286,000 | $ 218,000 |
| San Patricio County Texas | 6 | $ 1,070,000 | $ 178,000 | $ 67,000 |
| Hidalgo County Texas | 5 | $ 1,295,000 | $ 259,000 | $ 104,000 |
| Lubbock County Texas | 5 | $ 1,035,000 | $ 207,000 | $ 101,000 |
| Riverside County California | 4 | $ 1,170,000 | $ 292,000 | $ 577,000 |
| Gunnison County Colorado | 4 | $ 2,360,000 | $ 590,000 | $ 736,000 |
| Nassau County Florida | 4 | $ 1,420,000 | $ 355,000 | $ 164,000 |
| McCurtain County Oklahoma | 4 | $ 1,030,000 | $ 257,000 | $ 245,000 |
| Webb County Texas | 4 | $ 1,390,000 | $ 347,000 | $ 202,000 |
| Wichita County Texas | 4 | $ 390,000 | $ 97,000 | $ 44,000 |
| Madison County Alabama | 3 | $ 285,000 | $ 95,000 | $ 156,000 |
| Orange County California | 3 | $ 1,135,000 | $ 378,000 | $ 347,000 |
| Park County Colorado | 3 | $ 1,055,000 | $ 351,000 | $ 192,000 |
| Routt County Colorado | 3 | $ 1,105,000 | $ 368,000 | $ 114,000 |
| Miami-Dade County Florida | 3 | $ 975,000 | $ 325,000 | $ 162,000 |
| Walton County Florida | 3 | $ 5,715,000 | $ 1,905,000 | $ 520,000 |
| Cook County Illinois | 3 | $ 885,000 | $ 295,000 | $ 161,000 |
| Hendricks County Indiana | 3 | $ 375,000 | $ 125,000 | $ 180,000 |
| Flathead County Montana | 3 | $ 2,825,000 | $ 941,000 | $ 1,032,000 |
| Erath County Texas | 3 | $ 285,000 | $ 95,000 | $ 102,000 |
| Hill County Texas | 3 | $ 1,185,000 | $ 395,000 | $ 116,000 |
| Hopkins County Texas | 3 | $ 485,000 | $ 161,000 | $ 85,000 |
| Milam County Texas | 3 | $ 955,000 | $ 318,000 | $ 131,000 |
| Montague County Texas | 3 | $ 585,000 | $ 195,000 | $ 184,000 |
| Navarro County Texas | 3 | $ 1,535,000 | $ 511,000 | $ 196,000 |
| Laramie County Wyoming | 3 | $ 615,000 | $ 205,000 | $ 66,000 |
| Sebastian County Arkansas | 2 | $ 330,000 | $ 165,000 | $ 56,000 |
| San Bernardino County California | 2 | $ 580,000 | $ 290,000 | $ 215,000 |
| San Diego County California | 2 | $ 900,000 | $ 450,000 | $ 215,000 |
| Clear Creek County Colorado | 2 | $ 170,000 | $ 85,000 | $ 64,000 |
| Elbert County Colorado | 2 | $ 400,000 | $ 200,000 | $ 76,000 |
| Kit Carson County Colorado | 2 | $ 170,000 | $ 85,000 | $ 29,000 |
| Mineral County Colorado | 2 | $ 640,000 | $ 320,000 | $ 654,000 |
| Bay County Florida | 2 | $ 490,000 | $ 245,000 | $ 140,000 |
| Broward County Florida | 2 | $ 440,000 | $ 220,000 | $ 81,000 |
| Monroe County Florida | 2 | $ 1,170,000 | $ 585,000 | $ 148,000 |
| St. Lucie County Florida | 2 | $ 270,000 | $ 135,000 | $ 74,000 |
| Elmore County Idaho | 2 | $ 270,000 | $ 135,000 | $ 124,000 |
| Douglas County Nebraska | 2 | $ 380,000 | $ 190,000 | $ 68,000 |
| Clark County Nevada | 2 | $ 600,000 | $ 300,000 | $ 109,000 |
| Taos County New Mexico | 2 | $ 1,000,000 | $ 500,000 | $ 177,000 |
| Ulster County New York | 2 | $ 690,000 | $ 345,000 | $ 262,000 |
| Mecklenburg County North Carolina | 2 | $ 400,000 | $ 200,000 | $ 148,000 |
| Bryan County Oklahoma | 2 | $ 210,000 | $ 105,000 | $ 48,000 |
| Oklahoma County Oklahoma | 2 | $ 550,000 | $ 275,000 | $ 84,000 |
| Bandera County Texas | 2 | $ 870,000 | $ 435,000 | $ 335,000 |
| Caldwell County Texas | 2 | $ 500,000 | $ 250,000 | $ 66,000 |
| Grimes County Texas | 2 | $ 300,000 | $ 150,000 | $ 151,000 |
| Kendall County Texas | 2 | $ 660,000 | $ 330,000 | $ 135,000 |
| Midland County Texas | 2 | $ 610,000 | $ 305,000 | $ 124,000 |
| Presidio County Texas | 2 | $ 170,000 | $ 85,000 | $ 56,000 |
| San Augustine County Texas | 2 | $ 300,000 | $ 150,000 | $ 166,000 |
| Taylor County Texas | 2 | $ 1,480,000 | $ 740,000 | $ 362,000 |
| Washington County Texas | 2 | $ 910,000 | $ 455,000 | $ 256,000 |
| Wharton County Texas | 2 | $ 570,000 | $ 285,000 | $ 183,000 |
| Wood County Texas | 2 | $ 320,000 | $ 160,000 | $ 121,000 |
| Weber County Utah | 2 | $ 500,000 | $ 250,000 | $ 152,000 |
| Loudoun County Virginia | 2 | $ 670,000 | $ 335,000 | $ 208,000 |
| Milwaukee County Wisconsin | 2 | $ 200,000 | $ 100,000 | $ 105,000 |
| Tuscaloosa County Alabama | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Cochise County Arizona | 1 | $ 35,000 | $ 35,000 | $ 163,000 |
| Pima County Arizona | 1 | $ 165,000 | $ 165,000 | $ 29,000 |
| Pinal County Arizona | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Garland County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 189,000 |
| Washington County Arkansas | 1 | $ 285,000 | $ 285,000 | $ 205,000 |
| Los Angeles County California | 1 | $ 395,000 | $ 395,000 | $ 100,000 |
| Merced County California | 1 | $ 285,000 | $ 285,000 | $ 72,000 |
| Monterey County California | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| San Mateo County California | 1 | $ 355,000 | $ 355,000 | $ 607,000 |
| Stanislaus County California | 1 | $ 355,000 | $ 355,000 | $ 85,000 |
| Costilla County Colorado | 1 | $ 145,000 | $ 145,000 | $ 32,000 |
| Eagle County Colorado | 1 | $ 255,000 | $ 255,000 | $ 388,000 |
| Garfield County Colorado | 1 | $ 185,000 | $ 185,000 | $ 42,000 |
| Las Animas County Colorado | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Phillips County Colorado | 1 | $ 155,000 | $ 155,000 | $ 34,000 |
| San Juan County Colorado | 1 | $ 255,000 | $ 255,000 | $ 162,000 |
| San Miguel County Colorado | 1 | $ 3,345,000 | $ 3,345,000 | $ 0 |
| Teller County Colorado | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Yuma County Colorado | 1 | $ 165,000 | $ 165,000 | $ 40,000 |
| New Haven County Connecticut | 1 | $ 255,000 | $ 255,000 | $ 161,000 |
| District of Columbia County District Of Columbia | 1 | $ 395,000 | $ 395,000 | $ 117,000 |
| Brevard County Florida | 1 | $ 485,000 | $ 485,000 | $ 288,000 |
| Citrus County Florida | 1 | $ 155,000 | $ 155,000 | $ 114,000 |
| Indian River County Florida | 1 | $ 385,000 | $ 385,000 | $ 141,000 |
| Martin County Florida | 1 | $ 205,000 | $ 205,000 | $ 184,000 |
| Okaloosa County Florida | 1 | $ 75,000 | $ 75,000 | $ 100,000 |
| Orange County Florida | 1 | $ 275,000 | $ 275,000 | $ 150,000 |
| Palm Beach County Florida | 1 | $ 235,000 | $ 235,000 | $ 780,000 |
| St. Johns County Florida | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Columbia County Georgia | 1 | $ 215,000 | $ 215,000 | $ 45,000 |
| Fannin County Georgia | 1 | $ 285,000 | $ 285,000 | $ 249,000 |
| Fulton County Georgia | 1 | $ 415,000 | $ 415,000 | $ 283,000 |
| Bonneville County Idaho | 1 | $ 675,000 | $ 675,000 | $ 0 |
| St. Clair County Illinois | 1 | $ 425,000 | $ 425,000 | $ 236,000 |
| Johnson County Indiana | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Steuben County Indiana | 1 | $ 225,000 | $ 225,000 | $ 244,000 |
| Sedgwick County Kansas | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Shawnee County Kansas | 1 | $ 155,000 | $ 155,000 | $ 33,000 |
| Boone County Kentucky | 1 | $ 395,000 | $ 395,000 | $ 229,000 |
| Lafayette County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Orleans County Louisiana | 1 | $ 415,000 | $ 415,000 | $ 116,000 |
| St. Tammany County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 256,000 |
| Barnstable County Massachusetts | 1 | $ 505,000 | $ 505,000 | $ 187,000 |
| Plymouth County Massachusetts | 1 | $ 155,000 | $ 155,000 | $ 160,000 |
| Charlevoix County Michigan | 1 | $ 505,000 | $ 505,000 | $ 186,000 |
| Midland County Michigan | 1 | $ 365,000 | $ 365,000 | $ 180,000 |
| Ottawa County Michigan | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Ramsey County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 44,000 |
| DeSoto County Mississippi | 1 | $ 245,000 | $ 245,000 | $ 131,000 |
| Rankin County Mississippi | 1 | $ 355,000 | $ 355,000 | $ 115,000 |
| St. Louis County Missouri | 1 | $ 275,000 | $ 275,000 | $ 235,000 |
| Missoula County Montana | 1 | $ 95,000 | $ 95,000 | $ 58,000 |
| Antelope County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Box Butte County Nebraska | 1 | $ 305,000 | $ 305,000 | $ 165,000 |
| Seward County Nebraska | 1 | $ 155,000 | $ 155,000 | $ 102,000 |
| Sheridan County Nebraska | 1 | $ 235,000 | $ 235,000 | $ 220,000 |
| Carroll County New Hampshire | 1 | $ 1,405,000 | $ 1,405,000 | $ 312,000 |
| Hunterdon County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 180,000 |
| Bernalillo County New Mexico | 1 | $ 155,000 | $ 155,000 | $ 168,000 |
| Colfax County New Mexico | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Santa Fe County New Mexico | 1 | $ 325,000 | $ 325,000 | $ 118,000 |
| Moore County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 111,000 |
| Rockingham County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 36,000 |
| Clermont County Ohio | 1 | $ 325,000 | $ 325,000 | $ 232,000 |
| Stark County Ohio | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Adair County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Canadian County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 100,000 |
| Garvin County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 122,000 |
| Jackson County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| McClain County Oklahoma | 1 | $ 305,000 | $ 305,000 | $ 188,000 |
| Okmulgee County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Tulsa County Oklahoma | 1 | $ 245,000 | $ 245,000 | $ 300,000 |
| Clackamas County Oregon | 1 | $ 375,000 | $ 375,000 | $ 171,000 |
| Jackson County Oregon | 1 | $ 515,000 | $ 515,000 | $ 138,000 |
| Lane County Oregon | 1 | $ 295,000 | $ 295,000 | $ 164,000 |
| Marion County Oregon | 1 | $ 235,000 | $ 235,000 | $ 74,000 |
| Aiken County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 46,000 |
| Beaufort County South Carolina | 1 | $ 425,000 | $ 425,000 | $ 463,000 |
| Custer County South Dakota | 1 | $ 145,000 | $ 145,000 | $ 163,000 |
| Lincoln County South Dakota | 1 | $ 495,000 | $ 495,000 | $ 194,000 |
| Wilson County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 81,000 |
| Blanco County Texas | 1 | $ 305,000 | $ 305,000 | $ 186,000 |
| Borden County Texas | 1 | $ 515,000 | $ 515,000 | $ 222,000 |
| Brewster County Texas | 1 | $ 135,000 | $ 135,000 | $ 263,000 |
| Calhoun County Texas | 1 | $ 265,000 | $ 265,000 | $ 195,000 |
| Cameron County Texas | 1 | $ 335,000 | $ 335,000 | $ 495,000 |
| Colorado County Texas | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Coryell County Texas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| DeWitt County Texas | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Eastland County Texas | 1 | $ 225,000 | $ 225,000 | $ 46,000 |
| El Paso County Texas | 1 | $ 275,000 | $ 275,000 | $ 92,000 |
| Franklin County Texas | 1 | $ 755,000 | $ 755,000 | $ 233,000 |
| Gregg County Texas | 1 | $ 285,000 | $ 285,000 | $ 118,000 |
| Hockley County Texas | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Jefferson County Texas | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Lamar County Texas | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Lamb County Texas | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Lampasas County Texas | 1 | $ 135,000 | $ 135,000 | $ 235,000 |
| Lee County Texas | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| Liberty County Texas | 1 | $ 155,000 | $ 155,000 | $ 45,000 |
| Matagorda County Texas | 1 | $ 325,000 | $ 325,000 | $ 1,755,000 |
| Newton County Texas | 1 | $ 515,000 | $ 515,000 | $ 429,000 |
| Panola County Texas | 1 | $ 225,000 | $ 225,000 | $ 121,000 |
| Rains County Texas | 1 | $ 305,000 | $ 305,000 | $ 356,000 |
| Randall County Texas | 1 | $ 225,000 | $ 225,000 | $ 89,000 |
| Smith County Texas | 1 | $ 385,000 | $ 385,000 | $ 128,000 |
| Tom Green County Texas | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Val Verde County Texas | 1 | $ 195,000 | $ 195,000 | $ 197,000 |
| Wilson County Texas | 1 | $ 265,000 | $ 265,000 | $ 108,000 |
| Salt Lake County Utah | 1 | $ 355,000 | $ 355,000 | $ 130,000 |
| Summit County Utah | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
| Bedford County Virginia | 1 | $ 315,000 | $ 315,000 | $ 55,000 |
| Fairfax County Virginia | 1 | $ 205,000 | $ 205,000 | $ 166,000 |
| Prince William County Virginia | 1 | $ 285,000 | $ 285,000 | $ 266,000 |
| Virginia Beach County Virginia | 1 | $ 285,000 | $ 285,000 | $ 170,000 |
| Kitsap County Washington | 1 | $ 485,000 | $ 485,000 | $ 89,000 |
| Pierce County Washington | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Winnebago County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 91,000 |
| Fremont County Wyoming | 1 | $ 185,000 | $ 185,000 | $ 154,000 |
| Weston County Wyoming | 1 | $ 345,000 | $ 345,000 | $ 138,000 |
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 2,194 | $880,000,000 | $401,000 | $38,745,000 | $174,000 | $7,710,000 |
| Refinancing | 1,761 | $543,265,000 | $308,000 | $9,985,000 | $159,000 | $4,941,000 |
| Cash-out Refinancing | 724 | $220,150,000 | $304,000 | $3,565,000 | $153,000 | $3,942,000 |
| Other Purpose | 73 | $18,265,000 | $250,000 | $695,000 | $227,000 | $5,845,000 |
| Home Improvement | 57 | $11,315,000 | $198,000 | $3,345,000 | $252,000 | $2,116,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 2,619 | $874,335,000 | $333,000 | $5,005,000 | $197,000 | $7,710,000 |
| Hispanic | 852 | $195,970,000 | $230,000 | $1,365,000 | $84,000 | $775,000 |
| Not Provided | 818 | $246,170,000 | $300,000 | $3,505,000 | $160,000 | $3,942,000 |
| Not applicable | 311 | $295,705,000 | $950,000 | $38,745,000 | $0 | $0 |
| Asian | 128 | $41,300,000 | $322,000 | $2,485,000 | $165,000 | $1,506,000 |
| Black or African American | 62 | $14,630,000 | $235,000 | $685,000 | $121,000 | $674,000 |
| American Indian or Alaskan Native | 10 | $2,840,000 | $284,000 | $595,000 | $205,000 | $780,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $235,000 | $235,000 | $235,000 | $125,000 | $125,000 |
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) | 4,328 | $1,544,720,000 | $356,000 | $38,745,000 | $177,000 | $7,710,000 |
| FHA-insured (Federal Housing Administration) | 333 | $78,545,000 | $235,000 | $525,000 | $67,000 | $250,000 |
| VA-guaranteed (Veterans Administration) | 121 | $43,435,000 | $358,000 | $955,000 | $108,000 | $452,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $6,295,000 | $233,000 | $1,245,000 | $78,000 | $540,000 |
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 | 3,777 | $1,342,045,000 | $355,000 | $38,745,000 | $169,000 | $7,710,000 |
| Application Withdrawn By Applicant | 702 | $228,320,000 | $325,000 | $3,505,000 | $154,000 | $2,449,000 |
| File Closed For Incompleteness | 191 | $56,325,000 | $294,000 | $2,115,000 | $150,000 | $850,000 |
| Application Denied By Financial Institution | 68 | $25,890,000 | $380,000 | $4,505,000 | $150,000 | $2,403,000 |
| Application Approved But Not Accepted | 63 | $18,735,000 | $297,000 | $1,035,000 | $207,000 | $3,942,000 |
| Loan Purchased By The Institution | 8 | $1,680,000 | $210,000 | $345,000 | $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 | 4,741 | $1,647,105,000 | $347,000 | $38,745,000 | $167,000 | $7,710,000 |
| Unverifiable Information | 35 | $9,595,000 | $274,000 | $515,000 | $83,000 | $225,000 |
| Debt-To-Income Ratio | 11 | $8,285,000 | $753,000 | $4,505,000 | $335,000 | $2,403,000 |
| Credit History | 10 | $1,190,000 | $119,000 | $235,000 | $76,000 | $251,000 |
| Collateral | 7 | $3,435,000 | $490,000 | $2,115,000 | $225,000 | $1,074,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $2,975,000 | $991,000 | $2,345,000 | $401,000 | $626,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $355,000 | $355,000 | $355,000 | $89,000 | $89,000 |
| Employment History | 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 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.