Independent Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Independent Bank 2022 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 | 2,651 |
| Total Mortgage Loan Application Amount | $1,942,365,000 |
| Average Mortgage Loan Application Amount | $396,500 |
| Highest Mortgage Loan Application Amount | $51,255,000 |
| Average Applicant Income | $159,833 |
| Highest Applicant Income | $6,940,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Harris County Texas | 339 | $ 282,305,000 | $ 832,000 | $ 171,000 |
| Travis County Texas | 276 | $ 241,170,000 | $ 873,000 | $ 419,000 |
| Denton County Texas | 235 | $ 88,415,000 | $ 376,000 | $ 171,000 |
| Dallas County Texas | 219 | $ 207,005,000 | $ 945,000 | $ 210,000 |
| Collin County Texas | 200 | $ 77,170,000 | $ 385,000 | $ 172,000 |
| Grayson County Texas | 128 | $ 30,930,000 | $ 241,000 | $ 175,000 |
| Tarrant County Texas | 99 | $ 55,175,000 | $ 557,000 | $ 160,000 |
| Weld County Colorado | 62 | $ 73,380,000 | $ 1,183,000 | $ 164,000 |
| El Paso County Colorado | 57 | $ 26,695,000 | $ 468,000 | $ 139,000 |
| Williamson County Texas | 56 | $ 25,660,000 | $ 458,000 | $ 231,000 |
| McLennan County Texas | 53 | $ 18,685,000 | $ 352,000 | $ 160,000 |
| Larimer County Colorado | 52 | $ 32,720,000 | $ 629,000 | $ 196,000 |
| Fort Bend County Texas | 48 | $ 15,350,000 | $ 319,000 | $ 145,000 |
| Montgomery County Texas | 46 | $ 15,790,000 | $ 343,000 | $ 191,000 |
| Denver County Colorado | 42 | $ 35,090,000 | $ 835,000 | $ 338,000 |
| Hunt County Texas | 41 | $ 11,775,000 | $ 287,000 | $ 126,000 |
| St. Louis County Missouri | 39 | $ 2,105,000 | $ 53,000 | $ 0 |
| Hays County Texas | 38 | $ 29,670,000 | $ 780,000 | $ 494,000 |
| Rockwall County Texas | 33 | $ 12,515,000 | $ 379,000 | $ 201,000 |
| Kaufman County Texas | 26 | $ 19,280,000 | $ 741,000 | $ 141,000 |
| Adams County Colorado | 25 | $ 14,735,000 | $ 589,000 | $ 98,000 |
| Arapahoe County Colorado | 24 | $ 24,730,000 | $ 1,030,000 | $ 198,000 |
| Cooke County Texas | 23 | $ 9,185,000 | $ 399,000 | $ 188,000 |
| Jackson County Missouri | 21 | $ 2,415,000 | $ 115,000 | $ 0 |
| Johnson County Texas | 20 | $ 5,110,000 | $ 255,000 | $ 278,000 |
| Fannin County Texas | 19 | $ 4,605,000 | $ 242,000 | $ 146,000 |
| Jefferson County Colorado | 15 | $ 9,135,000 | $ 609,000 | $ 195,000 |
| Bell County Texas | 15 | $ 2,895,000 | $ 193,000 | $ 110,000 |
| Boulder County Colorado | 14 | $ 11,420,000 | $ 815,000 | $ 373,000 |
| Ellis County Texas | 14 | $ 42,720,000 | $ 3,051,000 | $ 142,000 |
| Galveston County Texas | 14 | $ 9,150,000 | $ 653,000 | $ 285,000 |
| Bexar County Texas | 13 | $ 56,595,000 | $ 4,353,000 | $ 589,000 |
| Douglas County Colorado | 12 | $ 3,970,000 | $ 330,000 | $ 112,000 |
| Brazos County Texas | 12 | $ 31,670,000 | $ 2,639,000 | $ 386,000 |
| Logan County Colorado | 10 | $ 2,150,000 | $ 215,000 | $ 89,000 |
| Burnet County Texas | 10 | $ 8,460,000 | $ 846,000 | $ 409,000 |
| Bastrop County Texas | 9 | $ 3,175,000 | $ 352,000 | $ 159,000 |
| Parker County Texas | 9 | $ 2,565,000 | $ 285,000 | $ 105,000 |
| Llano County Texas | 8 | $ 4,630,000 | $ 578,000 | $ 284,000 |
| Comal County Texas | 7 | $ 3,345,000 | $ 477,000 | $ 187,000 |
| Waller County Texas | 7 | $ 6,495,000 | $ 927,000 | $ 327,000 |
| Baldwin County Alabama | 6 | $ 2,090,000 | $ 348,000 | $ 116,000 |
| Maricopa County Arizona | 6 | $ 45,640,000 | $ 7,606,000 | $ 388,000 |
| Brazoria County Texas | 6 | $ 1,540,000 | $ 256,000 | $ 166,000 |
| Eagle County Colorado | 5 | $ 6,245,000 | $ 1,249,000 | $ 244,000 |
| Pueblo County Colorado | 5 | $ 915,000 | $ 183,000 | $ 69,000 |
| Oklahoma County Oklahoma | 5 | $ 625,000 | $ 125,000 | $ 160,000 |
| Gillespie County Texas | 5 | $ 4,055,000 | $ 811,000 | $ 161,000 |
| Hidalgo County Texas | 5 | $ 6,185,000 | $ 1,237,000 | $ 126,000 |
| Harrison County Mississippi | 4 | $ 810,000 | $ 202,000 | $ 0 |
| Aransas County Texas | 4 | $ 2,150,000 | $ 537,000 | $ 402,000 |
| Hood County Texas | 4 | $ 990,000 | $ 247,000 | $ 122,000 |
| Wise County Texas | 4 | $ 3,960,000 | $ 990,000 | $ 197,000 |
| St. Joseph County Indiana | 3 | $ 195,000 | $ 65,000 | $ 57,000 |
| Barnstable County Massachusetts | 3 | $ 2,225,000 | $ 741,000 | $ 385,000 |
| Wayne County Michigan | 3 | $ 225,000 | $ 75,000 | $ 411,000 |
| Lucas County Ohio | 3 | $ 185,000 | $ 61,000 | $ 0 |
| Bryan County Oklahoma | 3 | $ 415,000 | $ 138,000 | $ 67,000 |
| Blanco County Texas | 3 | $ 3,425,000 | $ 1,141,000 | $ 0 |
| El Paso County Texas | 3 | $ 1,115,000 | $ 371,000 | $ 96,000 |
| Hill County Texas | 3 | $ 6,365,000 | $ 2,121,000 | $ 132,000 |
| Wichita County Texas | 3 | $ 635,000 | $ 211,000 | $ 176,000 |
| Tuscaloosa County Alabama | 2 | $ 460,000 | $ 230,000 | $ 170,000 |
| Pima County Arizona | 2 | $ 3,210,000 | $ 1,605,000 | $ 0 |
| Broomfield County Colorado | 2 | $ 890,000 | $ 445,000 | $ 102,000 |
| Routt County Colorado | 2 | $ 820,000 | $ 410,000 | $ 148,000 |
| San Miguel County Colorado | 2 | $ 5,560,000 | $ 2,780,000 | $ 0 |
| Collier County Florida | 2 | $ 4,370,000 | $ 2,185,000 | $ 0 |
| LaPorte County Indiana | 2 | $ 230,000 | $ 115,000 | $ 60,000 |
| Clay County Missouri | 2 | $ 510,000 | $ 255,000 | $ 0 |
| Bernalillo County New Mexico | 2 | $ 11,460,000 | $ 5,730,000 | $ 0 |
| Sandoval County New Mexico | 2 | $ 570,000 | $ 285,000 | $ 84,000 |
| Santa Fe County New Mexico | 2 | $ 51,500,000 | $ 25,750,000 | $ 126,000 |
| Cuyahoga County Ohio | 2 | $ 160,000 | $ 80,000 | $ 420,000 |
| Canadian County Oklahoma | 2 | $ 660,000 | $ 330,000 | $ 165,000 |
| McCurtain County Oklahoma | 2 | $ 1,400,000 | $ 700,000 | $ 277,000 |
| Tulsa County Oklahoma | 2 | $ 750,000 | $ 375,000 | $ 1,811,000 |
| Greenville County South Carolina | 2 | $ 5,420,000 | $ 2,710,000 | $ 0 |
| Austin County Texas | 2 | $ 1,250,000 | $ 625,000 | $ 206,000 |
| Bosque County Texas | 2 | $ 1,260,000 | $ 630,000 | $ 267,000 |
| Caldwell County Texas | 2 | $ 730,000 | $ 365,000 | $ 141,000 |
| Chambers County Texas | 2 | $ 660,000 | $ 330,000 | $ 130,000 |
| Erath County Texas | 2 | $ 3,770,000 | $ 1,885,000 | $ 0 |
| Fayette County Texas | 2 | $ 6,020,000 | $ 3,010,000 | $ 0 |
| Guadalupe County Texas | 2 | $ 1,320,000 | $ 660,000 | $ 371,000 |
| Jefferson County Texas | 2 | $ 280,000 | $ 140,000 | $ 78,000 |
| Montague County Texas | 2 | $ 3,230,000 | $ 1,615,000 | $ 60,000 |
| Nueces County Texas | 2 | $ 750,000 | $ 375,000 | $ 57,000 |
| San Patricio County Texas | 2 | $ 260,000 | $ 130,000 | $ 97,000 |
| Taylor County Texas | 2 | $ 350,000 | $ 175,000 | $ 51,000 |
| Wharton County Texas | 2 | $ 680,000 | $ 340,000 | $ 111,000 |
| Young County Texas | 2 | $ 600,000 | $ 300,000 | $ 133,000 |
| Albany County Wyoming | 2 | $ 4,960,000 | $ 2,480,000 | $ 0 |
| Madison County Alabama | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Garland County Arkansas | 1 | $ 225,000 | $ 225,000 | $ 300,000 |
| Washington County Arkansas | 1 | $ 245,000 | $ 245,000 | $ 60,000 |
| Butte County California | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Los Angeles County California | 1 | $ 3,225,000 | $ 3,225,000 | $ 0 |
| Tuolumne County California | 1 | $ 315,000 | $ 315,000 | $ 149,000 |
| Chaffee County Colorado | 1 | $ 705,000 | $ 705,000 | $ 150,000 |
| Delta County Colorado | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Elbert County Colorado | 1 | $ 405,000 | $ 405,000 | $ 87,000 |
| Grand County Colorado | 1 | $ 1,155,000 | $ 1,155,000 | $ 944,000 |
| Gunnison County Colorado | 1 | $ 1,525,000 | $ 1,525,000 | $ 522,000 |
| Hinsdale County Colorado | 1 | $ 3,175,000 | $ 3,175,000 | $ 880,000 |
| Kit Carson County Colorado | 1 | $ 325,000 | $ 325,000 | $ 63,000 |
| La Plata County Colorado | 1 | $ 2,005,000 | $ 2,005,000 | $ 1,072,000 |
| Las Animas County Colorado | 1 | $ 155,000 | $ 155,000 | $ 85,000 |
| Montrose County Colorado | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Phillips County Colorado | 1 | $ 225,000 | $ 225,000 | $ 118,000 |
| Pitkin County Colorado | 1 | $ 3,005,000 | $ 3,005,000 | $ 0 |
| Sedgwick County Colorado | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Litchfield County Connecticut | 1 | $ 1,505,000 | $ 1,505,000 | $ 650,000 |
| Alachua County Florida | 1 | $ 385,000 | $ 385,000 | $ 575,000 |
| Brevard County Florida | 1 | $ 925,000 | $ 925,000 | $ 360,000 |
| Lee County Florida | 1 | $ 195,000 | $ 195,000 | $ 38,000 |
| Monroe County Florida | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Nassau County Florida | 1 | $ 625,000 | $ 625,000 | $ 690,000 |
| Okaloosa County Florida | 1 | $ 625,000 | $ 625,000 | $ 170,000 |
| Palm Beach County Florida | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
| Sarasota County Florida | 1 | $ 115,000 | $ 115,000 | $ 43,000 |
| Volusia County Florida | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Walton County Florida | 1 | $ 305,000 | $ 305,000 | $ 119,000 |
| Carroll County Georgia | 1 | $ 10,325,000 | $ 10,325,000 | $ 0 |
| Clayton County Georgia | 1 | $ 365,000 | $ 365,000 | $ 146,000 |
| Columbia County Georgia | 1 | $ 345,000 | $ 345,000 | $ 138,000 |
| Fannin County Georgia | 1 | $ 385,000 | $ 385,000 | $ 122,000 |
| Maui County Hawaii | 1 | $ 1,405,000 | $ 1,405,000 | $ 482,000 |
| Black Hawk County Iowa | 1 | $ 75,000 | $ 75,000 | $ 133,000 |
| Wyandotte County Kansas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Sagadahoc County Maine | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Oakland County Michigan | 1 | $ 165,000 | $ 165,000 | $ 393,000 |
| Pike County Mississippi | 1 | $ 125,000 | $ 125,000 | $ 235,000 |
| Clinton County Missouri | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Dallas County Missouri | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Flathead County Montana | 1 | $ 5,175,000 | $ 5,175,000 | $ 0 |
| Lewis and Clark County Montana | 1 | $ 1,895,000 | $ 1,895,000 | $ 0 |
| Dodge County Nebraska | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Douglas County Nebraska | 1 | $ 3,625,000 | $ 3,625,000 | $ 0 |
| Lincoln County Nebraska | 1 | $ 955,000 | $ 955,000 | $ 0 |
| Colfax County New Mexico | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Lincoln County New Mexico | 1 | $ 475,000 | $ 475,000 | $ 321,000 |
| Taos County New Mexico | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 180,000 |
| Madison County North Carolina | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Transylvania County North Carolina | 1 | $ 565,000 | $ 565,000 | $ 650,000 |
| Wake County North Carolina | 1 | $ 24,945,000 | $ 24,945,000 | $ 0 |
| Franklin County Ohio | 1 | $ 4,255,000 | $ 4,255,000 | $ 0 |
| Portage County Ohio | 1 | $ 105,000 | $ 105,000 | $ 103,000 |
| Washington County Ohio | 1 | $ 265,000 | $ 265,000 | $ 95,000 |
| Payne County Oklahoma | 1 | $ 295,000 | $ 295,000 | $ 122,000 |
| Stephens County Oklahoma | 1 | $ 315,000 | $ 315,000 | $ 26,000 |
| Anderson County South Carolina | 1 | $ 1,295,000 | $ 1,295,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 15,405,000 | $ 15,405,000 | $ 0 |
| Oconee County South Carolina | 1 | $ 1,005,000 | $ 1,005,000 | $ 1,132,000 |
| Hughes County South Dakota | 1 | $ 65,000 | $ 65,000 | $ 137,000 |
| Minnehaha County South Dakota | 1 | $ 1,615,000 | $ 1,615,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 625,000 | $ 625,000 | $ 222,000 |
| Lawrence County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 40,000 |
| Anderson County Texas | 1 | $ 145,000 | $ 145,000 | $ 168,000 |
| Bee County Texas | 1 | $ 175,000 | $ 175,000 | $ 448,000 |
| Cameron County Texas | 1 | $ 95,000 | $ 95,000 | $ 88,000 |
| Colorado County Texas | 1 | $ 245,000 | $ 245,000 | $ 110,000 |
| Comanche County Texas | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Ector County Texas | 1 | $ 75,000 | $ 75,000 | $ 317,000 |
| Franklin County Texas | 1 | $ 475,000 | $ 475,000 | $ 274,000 |
| Freestone County Texas | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Gregg County Texas | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Harrison County Texas | 1 | $ 16,625,000 | $ 16,625,000 | $ 0 |
| Henderson County Texas | 1 | $ 335,000 | $ 335,000 | $ 201,000 |
| Kendall County Texas | 1 | $ 935,000 | $ 935,000 | $ 156,000 |
| Kerr County Texas | 1 | $ 365,000 | $ 365,000 | $ 384,000 |
| Liberty County Texas | 1 | $ 335,000 | $ 335,000 | $ 111,000 |
| Limestone County Texas | 1 | $ 85,000 | $ 85,000 | $ 38,000 |
| Lubbock County Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Matagorda County Texas | 1 | $ 135,000 | $ 135,000 | $ 254,000 |
| Midland County Texas | 1 | $ 205,000 | $ 205,000 | $ 134,000 |
| Navarro County Texas | 1 | $ 1,395,000 | $ 1,395,000 | $ 478,000 |
| Orange County Texas | 1 | $ 465,000 | $ 465,000 | $ 213,000 |
| Palo Pinto County Texas | 1 | $ 195,000 | $ 195,000 | $ 162,000 |
| Panola County Texas | 1 | $ 245,000 | $ 245,000 | $ 88,000 |
| Polk County Texas | 1 | $ 185,000 | $ 185,000 | $ 1,302,000 |
| Potter County Texas | 1 | $ 3,795,000 | $ 3,795,000 | $ 0 |
| Randall County Texas | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Red River County Texas | 1 | $ 455,000 | $ 455,000 | $ 154,000 |
| Smith County Texas | 1 | $ 11,985,000 | $ 11,985,000 | $ 0 |
| Tom Green County Texas | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Upshur County Texas | 1 | $ 645,000 | $ 645,000 | $ 219,000 |
| Walker County Texas | 1 | $ 1,925,000 | $ 1,925,000 | $ 0 |
| Webb County Texas | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Salt Lake County Utah | 1 | $ 415,000 | $ 415,000 | $ 286,000 |
| Bennington County Vermont | 1 | $ 1,305,000 | $ 1,305,000 | $ 2,357,000 |
| Washington County Vermont | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Bedford County Virginia | 1 | $ 3,035,000 | $ 3,035,000 | $ 0 |
| Culpeper County Virginia | 1 | $ 2,065,000 | $ 2,065,000 | $ 0 |
| Fairfax County Virginia | 1 | $ 855,000 | $ 855,000 | $ 188,000 |
| Fauquier County Virginia | 1 | $ 3,605,000 | $ 3,605,000 | $ 0 |
| Louisa County Virginia | 1 | $ 3,075,000 | $ 3,075,000 | $ 0 |
| Montgomery County Virginia | 1 | $ 2,135,000 | $ 2,135,000 | $ 0 |
| Petersburg County Virginia | 1 | $ 3,785,000 | $ 3,785,000 | $ 0 |
| King County Washington | 1 | $ 925,000 | $ 925,000 | $ 599,000 |
| Jefferson County Wisconsin | 1 | $ 3,185,000 | $ 3,185,000 | $ 0 |
| Walworth County Wisconsin | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Sheridan County Wyoming | 1 | $ 235,000 | $ 235,000 | $ 118,000 |
| Teton County Wyoming | 1 | $ 4,005,000 | $ 4,005,000 | $ 0 |
Mortgage Loan Application Detail Totals for Independent Bank in 2022
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 | 1,990 | $1,638,650,000 | $823,000 | $51,255,000 | $231,000 | $6,940,000 |
| Cash-out Refinancing | 270 | $167,430,000 | $620,000 | $16,005,000 | $141,000 | $858,000 |
| Refinancing | 220 | $104,320,000 | $474,000 | $4,105,000 | $225,000 | $2,963,000 |
| Other Purpose | 97 | $15,235,000 | $157,000 | $1,395,000 | $155,000 | $1,556,000 |
| Home Improvement | 72 | $16,580,000 | $230,000 | $3,225,000 | $188,000 | $1,208,000 |
| Not Applicable | 2 | $150,000 | $75,000 | $95,000 | $19,000 | $19,000 |
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 | 1,031 | $534,575,000 | $518,000 | $22,505,000 | $262,000 | $6,940,000 |
| Not applicable | 580 | $1,016,710,000 | $1,752,000 | $51,255,000 | $0 | $0 |
| Hispanic | 572 | $174,760,000 | $305,000 | $4,135,000 | $123,000 | $1,681,000 |
| Not Provided | 247 | $115,525,000 | $467,000 | $2,975,000 | $239,000 | $2,998,000 |
| Asian | 109 | $58,415,000 | $535,000 | $4,105,000 | $268,000 | $1,441,000 |
| Black or African American | 85 | $27,035,000 | $318,000 | $1,125,000 | $130,000 | $669,000 |
| American Indian or Alaskan Native | 15 | $7,165,000 | $477,000 | $1,665,000 | $257,000 | $1,811,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $585,000 | $585,000 | $585,000 | $83,000 | $83,000 |
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) | 2,424 | $1,870,210,000 | $771,000 | $51,255,000 | $230,000 | $6,940,000 |
| FHA-insured (Federal Housing Administration) | 188 | $57,000,000 | $303,000 | $555,000 | $94,000 | $1,154,000 |
| VA-guaranteed (Veterans Administration) | 36 | $14,470,000 | $401,000 | $1,405,000 | $128,000 | $404,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $685,000 | $228,000 | $325,000 | $68,000 | $94,000 |
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 | 1,971 | $1,632,585,000 | $828,000 | $51,255,000 | $227,000 | $6,940,000 |
| Application Withdrawn By Applicant | 246 | $108,010,000 | $439,000 | $4,105,000 | $192,000 | $2,998,000 |
| Application Denied By Financial Institution | 242 | $90,650,000 | $374,000 | $7,665,000 | $151,000 | $1,979,000 |
| Loan Purchased By The Institution | 83 | $65,695,000 | $791,000 | $2,485,000 | $321,000 | $1,120,000 |
| File Closed For Incompleteness | 70 | $25,360,000 | $362,000 | $1,005,000 | $171,000 | $1,418,000 |
| Application Approved But Not Accepted | 39 | $20,065,000 | $514,000 | $2,945,000 | $170,000 | $1,176,000 |
| 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 | 2,409 | $1,851,715,000 | $768,000 | $51,255,000 | $224,000 | $6,940,000 |
| Debt-To-Income Ratio | 116 | $40,250,000 | $346,000 | $2,845,000 | $103,000 | $785,000 |
| Credit History | 38 | $8,400,000 | $221,000 | $865,000 | $147,000 | $1,298,000 |
| Collateral | 37 | $14,225,000 | $384,000 | $1,605,000 | $212,000 | $1,556,000 |
| Unverifiable Information | 24 | $7,420,000 | $309,000 | $1,195,000 | $135,000 | $399,000 |
| Other | 16 | $15,750,000 | $984,000 | $7,665,000 | $300,000 | $1,154,000 |
| Employment History | 5 | $1,065,000 | $213,000 | $655,000 | $185,000 | $429,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,005,000 | $335,000 | $365,000 | $103,000 | $160,000 |
| Credit Application Incomplete | 3 | $2,535,000 | $845,000 | $2,405,000 | $798,000 | $1,979,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Independent Bank's 2022 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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