Independent Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Independent Bank 2021 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 | 3,991 |
| Total Mortgage Loan Application Amount | $1,987,985,000 |
| Average Mortgage Loan Application Amount | $382,166 |
| Highest Mortgage Loan Application Amount | $32,255,000 |
| Average Applicant Income | $171,500 |
| Highest Applicant Income | $8,647,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 445 | $ 251,815,000 | $ 565,000 | $ 255,000 |
| Harris County Texas | 410 | $ 266,150,000 | $ 649,000 | $ 161,000 |
| Denton County Texas | 347 | $ 114,945,000 | $ 331,000 | $ 157,000 |
| Dallas County Texas | 272 | $ 183,150,000 | $ 673,000 | $ 288,000 |
| Collin County Texas | 207 | $ 79,695,000 | $ 385,000 | $ 165,000 |
| Tarrant County Texas | 197 | $ 91,715,000 | $ 465,000 | $ 118,000 |
| El Paso County Colorado | 158 | $ 49,870,000 | $ 315,000 | $ 91,000 |
| Larimer County Colorado | 156 | $ 64,090,000 | $ 410,000 | $ 130,000 |
| Grayson County Texas | 152 | $ 37,470,000 | $ 246,000 | $ 186,000 |
| Williamson County Texas | 147 | $ 47,165,000 | $ 320,000 | $ 182,000 |
| Weld County Colorado | 136 | $ 82,730,000 | $ 608,000 | $ 132,000 |
| Hunt County Texas | 85 | $ 16,905,000 | $ 198,000 | $ 105,000 |
| McLennan County Texas | 71 | $ 32,815,000 | $ 462,000 | $ 201,000 |
| Fort Bend County Texas | 66 | $ 21,360,000 | $ 323,000 | $ 185,000 |
| Denver County Colorado | 63 | $ 52,695,000 | $ 836,000 | $ 169,000 |
| Hays County Texas | 62 | $ 25,870,000 | $ 417,000 | $ 178,000 |
| Adams County Colorado | 57 | $ 22,965,000 | $ 402,000 | $ 130,000 |
| Arapahoe County Colorado | 48 | $ 20,570,000 | $ 428,000 | $ 125,000 |
| Rockwall County Texas | 44 | $ 16,030,000 | $ 364,000 | $ 159,000 |
| Jefferson County Colorado | 43 | $ 24,635,000 | $ 572,000 | $ 150,000 |
| Cooke County Texas | 41 | $ 15,115,000 | $ 368,000 | $ 114,000 |
| Montgomery County Texas | 38 | $ 17,570,000 | $ 462,000 | $ 309,000 |
| Kaufman County Texas | 32 | $ 8,250,000 | $ 257,000 | $ 111,000 |
| Johnson County Texas | 31 | $ 8,805,000 | $ 284,000 | $ 115,000 |
| Douglas County Colorado | 25 | $ 16,215,000 | $ 648,000 | $ 242,000 |
| Logan County Colorado | 23 | $ 5,215,000 | $ 226,000 | $ 90,000 |
| Galveston County Texas | 23 | $ 10,325,000 | $ 448,000 | $ 211,000 |
| Bastrop County Texas | 22 | $ 6,960,000 | $ 316,000 | $ 115,000 |
| Burnet County Texas | 22 | $ 9,340,000 | $ 424,000 | $ 251,000 |
| Bexar County Texas | 20 | $ 63,970,000 | $ 3,198,000 | $ 501,000 |
| Wise County Texas | 17 | $ 5,665,000 | $ 333,000 | $ 117,000 |
| Hood County Texas | 16 | $ 3,820,000 | $ 238,000 | $ 116,000 |
| Waller County Texas | 16 | $ 4,180,000 | $ 261,000 | $ 124,000 |
| Boulder County Colorado | 15 | $ 13,285,000 | $ 885,000 | $ 274,000 |
| Ellis County Texas | 14 | $ 5,070,000 | $ 362,000 | $ 109,000 |
| Fannin County Texas | 13 | $ 4,445,000 | $ 341,000 | $ 185,000 |
| Nueces County Texas | 12 | $ 2,670,000 | $ 222,000 | $ 393,000 |
| Pueblo County Colorado | 11 | $ 3,195,000 | $ 290,000 | $ 75,000 |
| Jackson County Missouri | 11 | $ 8,745,000 | $ 795,000 | $ 0 |
| Llano County Texas | 11 | $ 6,865,000 | $ 624,000 | $ 320,000 |
| Parker County Texas | 11 | $ 4,035,000 | $ 366,000 | $ 116,000 |
| Grand County Colorado | 9 | $ 10,105,000 | $ 1,122,000 | $ 852,000 |
| Brazoria County Texas | 9 | $ 6,065,000 | $ 673,000 | $ 174,000 |
| Bell County Texas | 8 | $ 1,690,000 | $ 211,000 | $ 90,000 |
| Brazos County Texas | 7 | $ 11,025,000 | $ 1,575,000 | $ 365,000 |
| Gillespie County Texas | 7 | $ 2,705,000 | $ 386,000 | $ 270,000 |
| Henderson County Texas | 7 | $ 4,175,000 | $ 596,000 | $ 516,000 |
| Broomfield County Colorado | 6 | $ 5,260,000 | $ 876,000 | $ 177,000 |
| Routt County Colorado | 6 | $ 9,020,000 | $ 1,503,000 | $ 1,873,000 |
| McCurtain County Oklahoma | 6 | $ 3,030,000 | $ 505,000 | $ 174,000 |
| Sevier County Tennessee | 6 | $ 3,220,000 | $ 536,000 | $ 200,000 |
| Aransas County Texas | 6 | $ 3,140,000 | $ 523,000 | $ 296,000 |
| Hill County Texas | 6 | $ 1,660,000 | $ 276,000 | $ 113,000 |
| Liberty County Texas | 6 | $ 980,000 | $ 163,000 | $ 106,000 |
| Lubbock County Texas | 6 | $ 1,450,000 | $ 241,000 | $ 104,000 |
| Bonneville County Idaho | 5 | $ 705,000 | $ 141,000 | $ 0 |
| Hidalgo County Texas | 5 | $ 7,695,000 | $ 1,539,000 | $ 62,000 |
| Maricopa County Arizona | 4 | $ 2,180,000 | $ 545,000 | $ 210,000 |
| Morgan County Colorado | 4 | $ 1,010,000 | $ 252,000 | $ 71,000 |
| Lee County Florida | 4 | $ 1,090,000 | $ 272,000 | $ 138,000 |
| Walton County Florida | 4 | $ 4,160,000 | $ 1,040,000 | $ 0 |
| Bannock County Idaho | 4 | $ 550,000 | $ 137,000 | $ 0 |
| Taos County New Mexico | 4 | $ 3,120,000 | $ 780,000 | $ 238,000 |
| Caldwell County Texas | 4 | $ 1,220,000 | $ 305,000 | $ 78,000 |
| Comal County Texas | 4 | $ 1,540,000 | $ 385,000 | $ 177,000 |
| Guadalupe County Texas | 4 | $ 980,000 | $ 245,000 | $ 97,000 |
| Lamar County Texas | 4 | $ 760,000 | $ 190,000 | $ 87,000 |
| Smith County Texas | 4 | $ 1,520,000 | $ 380,000 | $ 120,000 |
| Van Zandt County Texas | 4 | $ 1,120,000 | $ 280,000 | $ 135,000 |
| Pima County Arizona | 3 | $ 565,000 | $ 188,000 | $ 73,000 |
| Pinal County Arizona | 3 | $ 615,000 | $ 205,000 | $ 386,000 |
| Benton County Arkansas | 3 | $ 655,000 | $ 218,000 | $ 155,000 |
| La Plata County Colorado | 3 | $ 7,205,000 | $ 2,401,000 | $ 0 |
| Summit County Colorado | 3 | $ 2,095,000 | $ 698,000 | $ 279,000 |
| Broward County Florida | 3 | $ 1,025,000 | $ 341,000 | $ 146,000 |
| Kalamazoo County Michigan | 3 | $ 515,000 | $ 171,000 | $ 423,000 |
| Clay County Missouri | 3 | $ 525,000 | $ 175,000 | $ 0 |
| Santa Fe County New Mexico | 3 | $ 2,145,000 | $ 715,000 | $ 196,000 |
| Bryan County Oklahoma | 3 | $ 655,000 | $ 218,000 | $ 149,000 |
| Austin County Texas | 3 | $ 1,345,000 | $ 448,000 | $ 252,000 |
| Cameron County Texas | 3 | $ 445,000 | $ 148,000 | $ 139,000 |
| Midland County Texas | 3 | $ 565,000 | $ 188,000 | $ 71,000 |
| Milam County Texas | 3 | $ 885,000 | $ 295,000 | $ 99,000 |
| Montague County Texas | 3 | $ 605,000 | $ 201,000 | $ 90,000 |
| Val Verde County Texas | 3 | $ 605,000 | $ 201,000 | $ 189,000 |
| Milwaukee County Wisconsin | 3 | $ 1,005,000 | $ 335,000 | $ 258,000 |
| Newton County Arkansas | 2 | $ 360,000 | $ 180,000 | $ 141,000 |
| Riverside County California | 2 | $ 910,000 | $ 455,000 | $ 122,000 |
| Chaffee County Colorado | 2 | $ 830,000 | $ 415,000 | $ 188,000 |
| Eagle County Colorado | 2 | $ 6,300,000 | $ 3,150,000 | $ 1,313,000 |
| Elbert County Colorado | 2 | $ 740,000 | $ 370,000 | $ 66,000 |
| Garfield County Colorado | 2 | $ 2,230,000 | $ 1,115,000 | $ 219,000 |
| Gunnison County Colorado | 2 | $ 560,000 | $ 280,000 | $ 156,000 |
| Otero County Colorado | 2 | $ 220,000 | $ 110,000 | $ 46,000 |
| Park County Colorado | 2 | $ 1,150,000 | $ 575,000 | $ 268,000 |
| Flagler County Florida | 2 | $ 1,730,000 | $ 865,000 | $ 0 |
| Bingham County Idaho | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Johnson County Kansas | 2 | $ 880,000 | $ 440,000 | $ 261,000 |
| Barnstable County Massachusetts | 2 | $ 830,000 | $ 415,000 | $ 305,000 |
| Ottawa County Michigan | 2 | $ 460,000 | $ 230,000 | $ 86,000 |
| Iredell County North Carolina | 2 | $ 540,000 | $ 270,000 | $ 101,000 |
| Caddo County Oklahoma | 2 | $ 550,000 | $ 275,000 | $ 139,000 |
| Oklahoma County Oklahoma | 2 | $ 2,850,000 | $ 1,425,000 | $ 116,000 |
| Minnehaha County South Dakota | 2 | $ 6,570,000 | $ 3,285,000 | $ 0 |
| Anderson County Texas | 2 | $ 390,000 | $ 195,000 | $ 60,000 |
| Blanco County Texas | 2 | $ 1,150,000 | $ 575,000 | $ 239,000 |
| Bosque County Texas | 2 | $ 1,490,000 | $ 745,000 | $ 453,000 |
| Chambers County Texas | 2 | $ 620,000 | $ 310,000 | $ 88,000 |
| Coryell County Texas | 2 | $ 400,000 | $ 200,000 | $ 68,000 |
| El Paso County Texas | 2 | $ 690,000 | $ 345,000 | $ 218,000 |
| Erath County Texas | 2 | $ 530,000 | $ 265,000 | $ 63,000 |
| Franklin County Texas | 2 | $ 1,730,000 | $ 865,000 | $ 328,000 |
| Gregg County Texas | 2 | $ 2,910,000 | $ 1,455,000 | $ 0 |
| Jefferson County Texas | 2 | $ 160,000 | $ 80,000 | $ 56,000 |
| Kerr County Texas | 2 | $ 470,000 | $ 235,000 | $ 61,000 |
| Matagorda County Texas | 2 | $ 4,330,000 | $ 2,165,000 | $ 1,021,000 |
| San Patricio County Texas | 2 | $ 320,000 | $ 160,000 | $ 110,000 |
| Victoria County Texas | 2 | $ 460,000 | $ 230,000 | $ 48,000 |
| Webb County Texas | 2 | $ 440,000 | $ 220,000 | $ 125,000 |
| Utah County Utah | 2 | $ 760,000 | $ 380,000 | $ 334,000 |
| Laramie County Wyoming | 2 | $ 610,000 | $ 305,000 | $ 84,000 |
| Baldwin County Alabama | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| Limestone County Alabama | 1 | $ 115,000 | $ 115,000 | $ 154,000 |
| Madison County Alabama | 1 | $ 27,945,000 | $ 27,945,000 | $ 0 |
| Anchorage County Alaska | 1 | $ 565,000 | $ 565,000 | $ 258,000 |
| Independence County Arkansas | 1 | $ 115,000 | $ 115,000 | $ 76,000 |
| Marion County Arkansas | 1 | $ 65,000 | $ 65,000 | $ 140,000 |
| Saline County Arkansas | 1 | $ 195,000 | $ 195,000 | $ 110,000 |
| Sharp County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| White County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 135,000 |
| Orange County California | 1 | $ 705,000 | $ 705,000 | $ 474,000 |
| Sacramento County California | 1 | $ 415,000 | $ 415,000 | $ 70,000 |
| San Bernardino County California | 1 | $ 265,000 | $ 265,000 | $ 45,000 |
| San Diego County California | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| Santa Clara County California | 1 | $ 825,000 | $ 825,000 | $ 295,000 |
| Archuleta County Colorado | 1 | $ 475,000 | $ 475,000 | $ 90,000 |
| Clear Creek County Colorado | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Delta County Colorado | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Hinsdale County Colorado | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Mesa County Colorado | 1 | $ 465,000 | $ 465,000 | $ 129,000 |
| Mineral County Colorado | 1 | $ 515,000 | $ 515,000 | $ 580,000 |
| Moffat County Colorado | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Montrose County Colorado | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Phillips County Colorado | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Pitkin County Colorado | 1 | $ 2,925,000 | $ 2,925,000 | $ 472,000 |
| San Juan County Colorado | 1 | $ 165,000 | $ 165,000 | $ 162,000 |
| San Miguel County Colorado | 1 | $ 1,605,000 | $ 1,605,000 | $ 0 |
| Teller County Colorado | 1 | $ 205,000 | $ 205,000 | $ 88,000 |
| Washington County Colorado | 1 | $ 305,000 | $ 305,000 | $ 161,000 |
| Sussex County Delaware | 1 | $ 155,000 | $ 155,000 | $ 73,000 |
| Citrus County Florida | 1 | $ 515,000 | $ 515,000 | $ 344,000 |
| Clay County Florida | 1 | $ 245,000 | $ 245,000 | $ 63,000 |
| Collier County Florida | 1 | $ 3,095,000 | $ 3,095,000 | $ 0 |
| Duval County Florida | 1 | $ 295,000 | $ 295,000 | $ 150,000 |
| Nassau County Florida | 1 | $ 215,000 | $ 215,000 | $ 129,000 |
| Orange County Florida | 1 | $ 335,000 | $ 335,000 | $ 208,000 |
| Pinellas County Florida | 1 | $ 205,000 | $ 205,000 | $ 166,000 |
| St. Johns County Florida | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Dawson County Georgia | 1 | $ 225,000 | $ 225,000 | $ 37,000 |
| Honolulu County Hawaii | 1 | $ 3,305,000 | $ 3,305,000 | $ 0 |
| Maui County Hawaii | 1 | $ 2,035,000 | $ 2,035,000 | $ 0 |
| Cook County Illinois | 1 | $ 325,000 | $ 325,000 | $ 163,000 |
| Lake County Illinois | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Madison County Illinois | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Johnson County Indiana | 1 | $ 145,000 | $ 145,000 | $ 87,000 |
| Marion County Indiana | 1 | $ 85,000 | $ 85,000 | $ 250,000 |
| Pottawattamie County Iowa | 1 | $ 3,105,000 | $ 3,105,000 | $ 0 |
| Kearny County Kansas | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
| Pawnee County Kansas | 1 | $ 135,000 | $ 135,000 | $ 108,000 |
| Shawnee County Kansas | 1 | $ 155,000 | $ 155,000 | $ 33,000 |
| Wyandotte County Kansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Scott County Kentucky | 1 | $ 265,000 | $ 265,000 | $ 148,000 |
| Hancock County Maine | 1 | $ 445,000 | $ 445,000 | $ 111,000 |
| Middlesex County Massachusetts | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| Grand Traverse County Michigan | 1 | $ 315,000 | $ 315,000 | $ 403,000 |
| St. Clair County Michigan | 1 | $ 235,000 | $ 235,000 | $ 241,000 |
| Washtenaw County Michigan | 1 | $ 275,000 | $ 275,000 | $ 331,000 |
| Wayne County Michigan | 1 | $ 95,000 | $ 95,000 | $ 393,000 |
| Hancock County Mississippi | 1 | $ 155,000 | $ 155,000 | $ 170,000 |
| Harrison County Mississippi | 1 | $ 145,000 | $ 145,000 | $ 102,000 |
| Christian County Missouri | 1 | $ 415,000 | $ 415,000 | $ 308,000 |
| Clinton County Missouri | 1 | $ 1,105,000 | $ 1,105,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 315,000 | $ 315,000 | $ 243,000 |
| St. Louis City County Missouri | 1 | $ 245,000 | $ 245,000 | $ 101,000 |
| Taney County Missouri | 1 | $ 115,000 | $ 115,000 | $ 49,000 |
| Missoula County Montana | 1 | $ 425,000 | $ 425,000 | $ 86,000 |
| Park County Montana | 1 | $ 325,000 | $ 325,000 | $ 83,000 |
| Cheyenne County Nebraska | 1 | $ 165,000 | $ 165,000 | $ 89,000 |
| Sarpy County Nebraska | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Atlantic County New Jersey | 1 | $ 145,000 | $ 145,000 | $ 90,000 |
| Mercer County New Jersey | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Bernalillo County New Mexico | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Sandoval County New Mexico | 1 | $ 395,000 | $ 395,000 | $ 91,000 |
| Jefferson County New York | 1 | $ 105,000 | $ 105,000 | $ 89,000 |
| Suffolk County New York | 1 | $ 6,005,000 | $ 6,005,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 80,000 |
| Transylvania County North Carolina | 1 | $ 495,000 | $ 495,000 | $ 373,000 |
| McKenzie County North Dakota | 1 | $ 365,000 | $ 365,000 | $ 73,000 |
| Ward County North Dakota | 1 | $ 375,000 | $ 375,000 | $ 210,000 |
| Cuyahoga County Ohio | 1 | $ 245,000 | $ 245,000 | $ 94,000 |
| Franklin County Ohio | 1 | $ 3,805,000 | $ 3,805,000 | $ 0 |
| Comanche County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Love County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Tulsa County Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| Deschutes County Oregon | 1 | $ 545,000 | $ 545,000 | $ 78,000 |
| Douglas County Oregon | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Butler County Pennsylvania | 1 | $ 545,000 | $ 545,000 | $ 200,000 |
| Chester County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 117,000 |
| Beaufort County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Berkeley County South Carolina | 1 | $ 1,875,000 | $ 1,875,000 | $ 0 |
| Charleston County South Carolina | 1 | $ 405,000 | $ 405,000 | $ 200,000 |
| Marion County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 111,000 |
| York County South Carolina | 1 | $ 505,000 | $ 505,000 | $ 116,000 |
| Hamilton County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 149,000 |
| Montgomery County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 111,000 |
| Rutherford County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Shelby County Tennessee | 1 | $ 2,255,000 | $ 2,255,000 | $ 0 |
| Ector County Texas | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Fayette County Texas | 1 | $ 605,000 | $ 605,000 | $ 1,119,000 |
| Gray County Texas | 1 | $ 125,000 | $ 125,000 | $ 200,000 |
| Grimes County Texas | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| Harrison County Texas | 1 | $ 85,000 | $ 85,000 | $ 92,000 |
| Haskell County Texas | 1 | $ 125,000 | $ 125,000 | $ 108,000 |
| Hopkins County Texas | 1 | $ 225,000 | $ 225,000 | $ 70,000 |
| Houston County Texas | 1 | $ 285,000 | $ 285,000 | $ 104,000 |
| Jackson County Texas | 1 | $ 155,000 | $ 155,000 | $ 89,000 |
| Jim Wells County Texas | 1 | $ 5,785,000 | $ 5,785,000 | $ 0 |
| Nacogdoches County Texas | 1 | $ 245,000 | $ 245,000 | $ 69,000 |
| Newton County Texas | 1 | $ 125,000 | $ 125,000 | $ 109,000 |
| Polk County Texas | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Potter County Texas | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Presidio County Texas | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Rains County Texas | 1 | $ 135,000 | $ 135,000 | $ 125,000 |
| Randall County Texas | 1 | $ 4,905,000 | $ 4,905,000 | $ 0 |
| Tom Green County Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Trinity County Texas | 1 | $ 145,000 | $ 145,000 | $ 36,000 |
| Upshur County Texas | 1 | $ 155,000 | $ 155,000 | $ 46,000 |
| Wichita County Texas | 1 | $ 125,000 | $ 125,000 | $ 84,000 |
| Wilson County Texas | 1 | $ 385,000 | $ 385,000 | $ 121,000 |
| Wood County Texas | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Summit County Utah | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Wasatch County Utah | 1 | $ 1,605,000 | $ 1,605,000 | $ 0 |
| Bedford County Virginia | 1 | $ 335,000 | $ 335,000 | $ 55,000 |
| Loudoun County Virginia | 1 | $ 355,000 | $ 355,000 | $ 211,000 |
| Lynchburg County Virginia | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Virginia Beach County Virginia | 1 | $ 425,000 | $ 425,000 | $ 451,000 |
| King County Washington | 1 | $ 905,000 | $ 905,000 | $ 363,000 |
| Thurston County Washington | 1 | $ 475,000 | $ 475,000 | $ 115,000 |
Mortgage Loan Application Detail Totals for Independent Bank in 2021
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 | 2,364 | $1,305,290,000 | $552,000 | $32,255,000 | $187,000 | $8,647,000 |
| Refinancing | 888 | $392,340,000 | $441,000 | $28,005,000 | $173,000 | $3,703,000 |
| Cash-out Refinancing | 610 | $257,930,000 | $422,000 | $11,105,000 | $163,000 | $6,384,000 |
| Other Purpose | 68 | $20,110,000 | $295,000 | $2,165,000 | $234,000 | $3,368,000 |
| Home Improvement | 60 | $11,930,000 | $198,000 | $1,825,000 | $160,000 | $781,000 |
| Not Applicable | 1 | $385,000 | $385,000 | $385,000 | $112,000 | $112,000 |
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 |
|---|---|---|---|---|---|---|
| White | 1,891 | $741,825,000 | $392,000 | $6,335,000 | $200,000 | $8,399,000 |
| Hispanic | 773 | $206,785,000 | $267,000 | $3,575,000 | $94,000 | $2,795,000 |
| Not Provided | 572 | $211,990,000 | $370,000 | $6,005,000 | $194,000 | $6,384,000 |
| Not applicable | 509 | $729,185,000 | $1,432,000 | $32,255,000 | $0 | $0 |
| Asian | 141 | $61,765,000 | $438,000 | $4,305,000 | $252,000 | $2,014,000 |
| Black or African American | 78 | $28,520,000 | $365,000 | $4,005,000 | $341,000 | $8,647,000 |
| American Indian or Alaskan Native | 11 | $2,395,000 | $217,000 | $705,000 | $120,000 | $277,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $340,000 | $170,000 | $275,000 | $65,000 | $75,000 |
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) | 3,624 | $1,882,870,000 | $519,000 | $32,255,000 | $192,000 | $8,647,000 |
| FHA-insured (Federal Housing Administration) | 258 | $66,870,000 | $259,000 | $595,000 | $73,000 | $287,000 |
| VA-guaranteed (Veterans Administration) | 89 | $33,425,000 | $375,000 | $935,000 | $109,000 | $363,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $4,820,000 | $241,000 | $395,000 | $72,000 | $112,000 |
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 | 3,225 | $1,722,475,000 | $534,000 | $32,255,000 | $187,000 | $8,647,000 |
| Application Withdrawn By Applicant | 367 | $136,885,000 | $372,000 | $4,205,000 | $169,000 | $2,104,000 |
| Application Denied By Financial Institution | 201 | $62,435,000 | $310,000 | $1,495,000 | $105,000 | $900,000 |
| File Closed For Incompleteness | 122 | $43,960,000 | $360,000 | $2,805,000 | $193,000 | $6,384,000 |
| Application Approved But Not Accepted | 59 | $18,895,000 | $320,000 | $2,625,000 | $208,000 | $1,869,000 |
| Loan Purchased By The Institution | 17 | $3,335,000 | $196,000 | $275,000 | $62,000 | $200,000 |
| 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 | 3,790 | $1,925,550,000 | $508,000 | $32,255,000 | $185,000 | $8,647,000 |
| Debt-To-Income Ratio | 82 | $28,590,000 | $348,000 | $1,495,000 | $105,000 | $900,000 |
| Collateral | 45 | $11,995,000 | $266,000 | $965,000 | $93,000 | $258,000 |
| Unverifiable Information | 40 | $13,630,000 | $340,000 | $1,195,000 | $142,000 | $706,000 |
| Credit History | 18 | $4,490,000 | $249,000 | $645,000 | $93,000 | $298,000 |
| Other | 8 | $2,180,000 | $272,000 | $345,000 | $68,000 | $116,000 |
| Employment History | 4 | $880,000 | $220,000 | $255,000 | $44,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $670,000 | $167,000 | $205,000 | $61,000 | $92,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Independent Bank's 2021 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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with aggregated HMDA statistics today.