Independent Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Independent Bank 2023 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 | 1,532 |
| Total Mortgage Loan Application Amount | $812,710,000 |
| Average Mortgage Loan Application Amount | $380,400 |
| Highest Mortgage Loan Application Amount | $31,605,000 |
| Average Applicant Income | $169,600 |
| Highest Applicant Income | $9,391,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 174 | $ 115,220,000 | $ 662,000 | $ 178,000 |
| Denton County Texas | 153 | $ 52,825,000 | $ 345,000 | $ 169,000 |
| Collin County Texas | 151 | $ 54,485,000 | $ 360,000 | $ 164,000 |
| Grayson County Texas | 102 | $ 24,380,000 | $ 239,000 | $ 157,000 |
| Dallas County Texas | 95 | $ 72,325,000 | $ 761,000 | $ 322,000 |
| Travis County Texas | 89 | $ 78,195,000 | $ 878,000 | $ 576,000 |
| Tarrant County Texas | 81 | $ 23,655,000 | $ 292,000 | $ 127,000 |
| Larimer County Colorado | 45 | $ 23,605,000 | $ 524,000 | $ 199,000 |
| Weld County Colorado | 37 | $ 38,355,000 | $ 1,036,000 | $ 172,000 |
| Fort Bend County Texas | 35 | $ 8,475,000 | $ 242,000 | $ 121,000 |
| Hunt County Texas | 35 | $ 8,265,000 | $ 236,000 | $ 153,000 |
| Rockwall County Texas | 35 | $ 10,275,000 | $ 293,000 | $ 175,000 |
| Adams County Colorado | 32 | $ 14,680,000 | $ 458,000 | $ 103,000 |
| McLennan County Texas | 29 | $ 28,405,000 | $ 979,000 | $ 237,000 |
| Williamson County Texas | 29 | $ 42,105,000 | $ 1,451,000 | $ 187,000 |
| Montgomery County Texas | 27 | $ 6,535,000 | $ 242,000 | $ 182,000 |
| Denver County Colorado | 25 | $ 21,295,000 | $ 851,000 | $ 542,000 |
| El Paso County Colorado | 18 | $ 6,780,000 | $ 376,000 | $ 130,000 |
| Arapahoe County Colorado | 15 | $ 9,465,000 | $ 631,000 | $ 300,000 |
| Johnson County Texas | 15 | $ 3,305,000 | $ 220,000 | $ 144,000 |
| Kaufman County Texas | 14 | $ 4,760,000 | $ 340,000 | $ 110,000 |
| Cooke County Texas | 13 | $ 3,795,000 | $ 291,000 | $ 192,000 |
| Mobile County Alabama | 12 | $ 730,000 | $ 60,000 | $ 0 |
| Hays County Texas | 12 | $ 6,330,000 | $ 527,000 | $ 249,000 |
| Jefferson County Colorado | 10 | $ 5,380,000 | $ 538,000 | $ 148,000 |
| Parker County Texas | 10 | $ 4,500,000 | $ 450,000 | $ 159,000 |
| Wise County Texas | 10 | $ 2,900,000 | $ 290,000 | $ 257,000 |
| Logan County Colorado | 9 | $ 2,015,000 | $ 223,000 | $ 82,000 |
| Douglas County Colorado | 8 | $ 3,710,000 | $ 463,000 | $ 172,000 |
| Galveston County Texas | 8 | $ 3,350,000 | $ 418,000 | $ 208,000 |
| Brazoria County Texas | 7 | $ 1,555,000 | $ 222,000 | $ 102,000 |
| Burnet County Texas | 7 | $ 5,085,000 | $ 726,000 | $ 470,000 |
| Llano County Texas | 7 | $ 3,905,000 | $ 557,000 | $ 567,000 |
| Boulder County Colorado | 6 | $ 3,080,000 | $ 513,000 | $ 103,000 |
| Fannin County Texas | 6 | $ 880,000 | $ 146,000 | $ 119,000 |
| Hood County Texas | 6 | $ 1,270,000 | $ 211,000 | $ 126,000 |
| Van Zandt County Texas | 6 | $ 2,190,000 | $ 365,000 | $ 110,000 |
| Baldwin County Alabama | 5 | $ 1,055,000 | $ 211,000 | $ 0 |
| Maricopa County Arizona | 5 | $ 3,085,000 | $ 617,000 | $ 360,000 |
| Grand County Colorado | 4 | $ 4,320,000 | $ 1,080,000 | $ 358,000 |
| Lucas County Ohio | 4 | $ 200,000 | $ 50,000 | $ 0 |
| Ellis County Texas | 4 | $ 1,520,000 | $ 380,000 | $ 126,000 |
| Gillespie County Texas | 4 | $ 2,720,000 | $ 680,000 | $ 1,124,000 |
| Hill County Texas | 4 | $ 330,000 | $ 82,000 | $ 55,000 |
| Waller County Texas | 4 | $ 1,310,000 | $ 327,000 | $ 170,000 |
| Pueblo County Colorado | 3 | $ 425,000 | $ 141,000 | $ 36,000 |
| Westchester County New York | 3 | $ 955,000 | $ 318,000 | $ 162,000 |
| Montgomery County Ohio | 3 | $ 185,000 | $ 61,000 | $ 0 |
| El Paso County Texas | 3 | $ 405,000 | $ 135,000 | $ 72,000 |
| Miami-Dade County Florida | 2 | $ 610,000 | $ 305,000 | $ 141,000 |
| Volusia County Florida | 2 | $ 350,000 | $ 175,000 | $ 40,000 |
| Jackson County Missouri | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Bryan County Oklahoma | 2 | $ 250,000 | $ 125,000 | $ 83,000 |
| Putnam County Tennessee | 2 | $ 370,000 | $ 185,000 | $ 54,000 |
| Aransas County Texas | 2 | $ 2,470,000 | $ 1,235,000 | $ 560,000 |
| Bastrop County Texas | 2 | $ 450,000 | $ 225,000 | $ 178,000 |
| Bell County Texas | 2 | $ 120,000 | $ 60,000 | $ 45,000 |
| Bexar County Texas | 2 | $ 400,000 | $ 200,000 | $ 199,000 |
| Brazos County Texas | 2 | $ 19,370,000 | $ 9,685,000 | $ 130,000 |
| Coryell County Texas | 2 | $ 600,000 | $ 300,000 | $ 0 |
| Montague County Texas | 2 | $ 520,000 | $ 260,000 | $ 125,000 |
| Walker County Texas | 2 | $ 4,260,000 | $ 2,130,000 | $ 0 |
| Young County Texas | 2 | $ 200,000 | $ 100,000 | $ 78,000 |
| Cleburne County Alabama | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Coconino County Arizona | 1 | $ 525,000 | $ 525,000 | $ 124,000 |
| Pima County Arizona | 1 | $ 335,000 | $ 335,000 | $ 91,000 |
| Sebastian County Arkansas | 1 | $ 415,000 | $ 415,000 | $ 119,000 |
| San Diego County California | 1 | $ 505,000 | $ 505,000 | $ 166,000 |
| Archuleta County Colorado | 1 | $ 315,000 | $ 315,000 | $ 237,000 |
| Custer County Colorado | 1 | $ 25,000 | $ 25,000 | $ 128,000 |
| Eagle County Colorado | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| Elbert County Colorado | 1 | $ 85,000 | $ 85,000 | $ 28,000 |
| Montrose County Colorado | 1 | $ 175,000 | $ 175,000 | $ 99,000 |
| Morgan County Colorado | 1 | $ 215,000 | $ 215,000 | $ 61,000 |
| Park County Colorado | 1 | $ 205,000 | $ 205,000 | $ 240,000 |
| Pitkin County Colorado | 1 | $ 1,235,000 | $ 1,235,000 | $ 0 |
| Teller County Colorado | 1 | $ 585,000 | $ 585,000 | $ 0 |
| New Haven County Connecticut | 1 | $ 175,000 | $ 175,000 | $ 336,000 |
| Charlotte County Florida | 1 | $ 245,000 | $ 245,000 | $ 53,000 |
| Citrus County Florida | 1 | $ 465,000 | $ 465,000 | $ 226,000 |
| Hillsborough County Florida | 1 | $ 255,000 | $ 255,000 | $ 260,000 |
| Manatee County Florida | 1 | $ 205,000 | $ 205,000 | $ 257,000 |
| Okaloosa County Florida | 1 | $ 1,005,000 | $ 1,005,000 | $ 0 |
| Osceola County Florida | 1 | $ 505,000 | $ 505,000 | $ 244,000 |
| Walton County Florida | 1 | $ 705,000 | $ 705,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 705,000 | $ 705,000 | $ 353,000 |
| Paulding County Georgia | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Ada County Idaho | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Kane County Illinois | 1 | $ 445,000 | $ 445,000 | $ 167,000 |
| Jefferson County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 91,000 |
| Caddo County Louisiana | 1 | $ 3,515,000 | $ 3,515,000 | $ 0 |
| Cheboygan County Michigan | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Wayne County Michigan | 1 | $ 19,005,000 | $ 19,005,000 | $ 0 |
| Douglas County Minnesota | 1 | $ 725,000 | $ 725,000 | $ 312,000 |
| Harrison County Mississippi | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Clay County Missouri | 1 | $ 65,000 | $ 65,000 | $ 0 |
| St. Louis County Missouri | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Vernon County Missouri | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Chase County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 50,000 |
| Cherry County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 134,000 |
| Dawson County Nebraska | 1 | $ 305,000 | $ 305,000 | $ 145,000 |
| Douglas County Nebraska | 1 | $ 685,000 | $ 685,000 | $ 160,000 |
| Scotts Bluff County Nebraska | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Clark County Nevada | 1 | $ 445,000 | $ 445,000 | $ 258,000 |
| Bernalillo County New Mexico | 1 | $ 235,000 | $ 235,000 | $ 202,000 |
| Eddy County New Mexico | 1 | $ 385,000 | $ 385,000 | $ 144,000 |
| Kings County New York | 1 | $ 8,005,000 | $ 8,005,000 | $ 0 |
| Chatham County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Swain County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 53,000 |
| Franklin County Ohio | 1 | $ 4,595,000 | $ 4,595,000 | $ 0 |
| Lorain County Ohio | 1 | $ 215,000 | $ 215,000 | $ 329,000 |
| Coal County Oklahoma | 1 | $ 325,000 | $ 325,000 | $ 154,000 |
| Marshall County Oklahoma | 1 | $ 395,000 | $ 395,000 | $ 118,000 |
| Pittsburg County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Tulsa County Oklahoma | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Knox County Tennessee | 1 | $ 725,000 | $ 725,000 | $ 296,000 |
| Lewis County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 162,000 |
| Montgomery County Tennessee | 1 | $ 355,000 | $ 355,000 | $ 66,000 |
| Austin County Texas | 1 | $ 295,000 | $ 295,000 | $ 75,000 |
| Comal County Texas | 1 | $ 1,565,000 | $ 1,565,000 | $ 587,000 |
| Comanche County Texas | 1 | $ 165,000 | $ 165,000 | $ 75,000 |
| Erath County Texas | 1 | $ 135,000 | $ 135,000 | $ 147,000 |
| Fayette County Texas | 1 | $ 175,000 | $ 175,000 | $ 58,000 |
| Guadalupe County Texas | 1 | $ 585,000 | $ 585,000 | $ 378,000 |
| Hansford County Texas | 1 | $ 225,000 | $ 225,000 | $ 136,000 |
| Henderson County Texas | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Hockley County Texas | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Hopkins County Texas | 1 | $ 225,000 | $ 225,000 | $ 174,000 |
| Knox County Texas | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Lamar County Texas | 1 | $ 75,000 | $ 75,000 | $ 97,000 |
| Liberty County Texas | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Lubbock County Texas | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Midland County Texas | 1 | $ 295,000 | $ 295,000 | $ 166,000 |
| Nacogdoches County Texas | 1 | $ 215,000 | $ 215,000 | $ 49,000 |
| Nueces County Texas | 1 | $ 2,095,000 | $ 2,095,000 | $ 1,585,000 |
| Orange County Texas | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Palo Pinto County Texas | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Polk County Texas | 1 | $ 655,000 | $ 655,000 | $ 1,472,000 |
| Randall County Texas | 1 | $ 95,000 | $ 95,000 | $ 31,000 |
| Smith County Texas | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Victoria County Texas | 1 | $ 245,000 | $ 245,000 | $ 68,000 |
| Washington County Texas | 1 | $ 285,000 | $ 285,000 | $ 105,000 |
| Wharton County Texas | 1 | $ 325,000 | $ 325,000 | $ 265,000 |
| Summit County Utah | 1 | $ 475,000 | $ 475,000 | $ 0 |
| King County Washington | 1 | $ 655,000 | $ 655,000 | $ 379,000 |
| Milwaukee County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 198,000 |
| Shawano County Wisconsin | 1 | $ 865,000 | $ 865,000 | $ 0 |
| Laramie County Wyoming | 1 | $ 235,000 | $ 235,000 | $ 47,000 |
Mortgage Loan Application Detail Totals for Independent Bank in 2023
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 | 1,193 | $723,695,000 | $606,000 | $31,605,000 | $223,000 | $9,391,000 |
| Other Purpose | 137 | $18,145,000 | $132,000 | $765,000 | $130,000 | $660,000 |
| Home Improvement | 82 | $12,000,000 | $146,000 | $895,000 | $176,000 | $786,000 |
| Cash-out Refinancing | 66 | $21,170,000 | $320,000 | $1,445,000 | $152,000 | $1,229,000 |
| Refinancing | 54 | $37,700,000 | $698,000 | $19,005,000 | $167,000 | $816,000 |
| 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 | 652 | $274,330,000 | $420,000 | $10,885,000 | $269,000 | $9,391,000 |
| Hispanic | 423 | $124,165,000 | $293,000 | $1,725,000 | $113,000 | $1,405,000 |
| Not applicable | 196 | $304,990,000 | $1,556,000 | $31,605,000 | $0 | $0 |
| Not Provided | 119 | $53,345,000 | $448,000 | $4,655,000 | $210,000 | $2,670,000 |
| Asian | 83 | $38,185,000 | $460,000 | $2,855,000 | $237,000 | $1,594,000 |
| Black or African American | 51 | $15,705,000 | $307,000 | $995,000 | $145,000 | $381,000 |
| American Indian or Alaskan Native | 6 | $1,760,000 | $293,000 | $685,000 | $129,000 | $226,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $222,000 | $222,000 |
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) | 1,289 | $735,895,000 | $570,000 | $31,605,000 | $230,000 | $9,391,000 |
| FHA-insured (Federal Housing Administration) | 212 | $65,400,000 | $308,000 | $575,000 | $94,000 | $226,000 |
| VA-guaranteed (Veterans Administration) | 28 | $11,060,000 | $395,000 | $995,000 | $175,000 | $1,838,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $355,000 | $118,000 | $185,000 | $78,000 | $97,000 |
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 | 1,102 | $637,950,000 | $578,000 | $31,605,000 | $225,000 | $9,391,000 |
| Application Denied By Financial Institution | 198 | $61,930,000 | $312,000 | $19,005,000 | $116,000 | $535,000 |
| Application Withdrawn By Applicant | 180 | $82,130,000 | $456,000 | $5,515,000 | $191,000 | $2,181,000 |
| File Closed For Incompleteness | 24 | $14,860,000 | $619,000 | $6,195,000 | $324,000 | $3,079,000 |
| Application Approved But Not Accepted | 15 | $12,295,000 | $819,000 | $2,805,000 | $354,000 | $910,000 |
| Loan Purchased By The Institution | 13 | $3,545,000 | $272,000 | $415,000 | $59,000 | $101,000 |
| 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 | 1,334 | $750,780,000 | $562,000 | $31,605,000 | $222,000 | $9,391,000 |
| Debt-To-Income Ratio | 100 | $44,660,000 | $446,000 | $19,005,000 | $100,000 | $535,000 |
| Credit History | 34 | $6,030,000 | $177,000 | $555,000 | $125,000 | $288,000 |
| Collateral | 25 | $5,065,000 | $202,000 | $845,000 | $163,000 | $455,000 |
| Other | 17 | $2,385,000 | $140,000 | $385,000 | $144,000 | $375,000 |
| Employment History | 9 | $1,455,000 | $161,000 | $505,000 | $133,000 | $332,000 |
| Unverifiable Information | 5 | $1,265,000 | $253,000 | $295,000 | $76,000 | $93,000 |
| Credit Application Incomplete | 4 | $210,000 | $52,000 | $95,000 | $103,000 | $216,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $860,000 | $215,000 | $415,000 | $72,000 | $132,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Independent Bank's 2023 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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