Independent Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2017
Independent Bank 2017 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 | 2,376 |
| Total Mortgage Loan Application Amount | $778,385,000 |
| Average Mortgage Loan Application Amount | $275,333 |
| Highest Mortgage Loan Application Amount | $20,680,000 |
| Average Applicant Income | $162,666 |
| Highest Applicant Income | $9,999,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2017 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 2017 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 2017.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| DALLAS-PLANO-IRVING, TX | 979 | $ 308,355,000 | $ 314,000 | $ 142,000 |
| AUSTIN-ROUND ROCK, TX | 289 | $ 112,123,000 | $ 387,000 | $ 228,000 |
| FORT WORTH-ARLINGTON, TX | 264 | $ 68,506,000 | $ 259,000 | $ 117,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 192 | $ 99,844,000 | $ 520,000 | $ 282,000 |
| SHERMAN-DENISON, TX | 161 | $ 24,372,000 | $ 151,000 | $ 84,000 |
| LAREDO, TX | 90 | $ 15,647,000 | $ 173,000 | $ 56,000 |
| WACO, TX | 69 | $ 28,070,000 | $ 406,000 | $ 112,000 |
| MCALLEN-EDINBURG-MISSION, TX | 37 | $ 6,651,000 | $ 179,000 | $ 70,000 |
| GREELEY, CO | 22 | $ 4,351,000 | $ 197,000 | $ 230,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 17 | $ 4,107,000 | $ 241,000 | $ 129,000 |
| DENVER-AURORA-LAKEWOOD, CO | 11 | $ 4,303,000 | $ 391,000 | $ 86,000 |
| COLORADO SPRINGS, CO | 10 | $ 1,828,000 | $ 182,000 | $ 113,000 |
| KILLEEN-TEMPLE, TX | 7 | $ 700,000 | $ 100,000 | $ 111,000 |
| CORPUS CHRISTI, TX | 6 | $ 1,505,000 | $ 250,000 | $ 58,000 |
| LUBBOCK, TX | 6 | $ 32,274,000 | $ 5,379,000 | $ 60,000 |
| BEAUMONT-PORT ARTHUR, TX | 3 | $ 117,000 | $ 39,000 | $ 0 |
| COLLEGE STATION-BRYAN, TX | 3 | $ 413,000 | $ 137,000 | $ 147,000 |
| FORT COLLINS, CO | 3 | $ 566,000 | $ 188,000 | $ 112,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 3 | $ 693,000 | $ 231,000 | $ 91,000 |
| HOT SPRINGS, AR | 3 | $ 710,000 | $ 236,000 | $ 279,000 |
| LAWRENCE, KS | 3 | $ 3,125,000 | $ 1,041,000 | $ 0 |
| OKLAHOMA CITY, OK | 3 | $ 827,000 | $ 275,000 | $ 131,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 2 | $ 456,000 | $ 228,000 | $ 68,000 |
| BOULDER, CO | 2 | $ 378,000 | $ 189,000 | $ 64,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 2 | $ 444,000 | $ 222,000 | $ 232,000 |
| EL PASO, TX | 2 | $ 485,000 | $ 242,000 | $ 146,000 |
| LAKE CHARLES, LA | 2 | $ 178,000 | $ 89,000 | $ 381,000 |
| MIDLAND, TX | 2 | $ 1,306,000 | $ 653,000 | $ 177,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 2 | $ 512,000 | $ 256,000 | $ 60,000 |
| ODESSA, TX | 2 | $ 311,000 | $ 155,000 | $ 47,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 2 | $ 12,358,000 | $ 6,179,000 | $ 31,000 |
| ST. LOUIS, MO-IL | 2 | $ 178,000 | $ 89,000 | $ 1,277,000 |
| TYLER, TX | 2 | $ 84,000 | $ 42,000 | $ 321,000 |
| ABILENE, TX | 1 | $ 500,000 | $ 500,000 | $ 465,000 |
| ALBUQUERQUE, NM | 1 | $ 120,000 | $ 120,000 | $ 105,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 1 | $ 948,000 | $ 948,000 | $ 419,000 |
| ANCHORAGE, AK | 1 | $ 334,000 | $ 334,000 | $ 85,000 |
| BATON ROUGE, LA | 1 | $ 260,000 | $ 260,000 | $ 102,000 |
| BILLINGS, MT | 1 | $ 599,000 | $ 599,000 | $ 788,000 |
| BRUNSWICK, GA | 1 | $ 755,000 | $ 755,000 | $ 0 |
| CHATTANOOGA, TN-GA | 1 | $ 54,000 | $ 54,000 | $ 78,000 |
| CINCINNATI, OH-KY-IN | 1 | $ 294,000 | $ 294,000 | $ 375,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 128,000 | $ 128,000 | $ 40,000 |
| FLAGSTAFF, AZ | 1 | $ 280,000 | $ 280,000 | $ 121,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 1 | $ 465,000 | $ 465,000 | $ 782,000 |
| HOMOSASSA SPRINGS, FL | 1 | $ 238,000 | $ 238,000 | $ 106,000 |
| HUNTSVILLE, AL | 1 | $ 195,000 | $ 195,000 | $ 124,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 1 | $ 71,000 | $ 71,000 | $ 95,000 |
| JACKSON, MS | 1 | $ 28,000 | $ 28,000 | $ 105,000 |
| MEMPHIS, TN-MS-AR | 1 | $ 140,000 | $ 140,000 | $ 220,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 1 | $ 200,000 | $ 200,000 | $ 144,000 |
| NEW ORLEANS-METAIRIE, LA | 1 | $ 92,000 | $ 92,000 | $ 39,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 1 | $ 191,000 | $ 191,000 | $ 0 |
| PANAMA CITY, FL | 1 | $ 1,035,000 | $ 1,035,000 | $ 0 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 1 | $ 220,000 | $ 220,000 | $ 533,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 1 | $ 178,000 | $ 178,000 | $ 119,000 |
| SAN ANGELO, TX | 1 | $ 408,000 | $ 408,000 | $ 161,000 |
| SHREVEPORT-BOSSIER CITY, LA | 1 | $ 168,000 | $ 168,000 | $ 54,000 |
| TULSA, OK | 1 | $ 375,000 | $ 375,000 | $ 255,000 |
| WICHITA FALLS, TX | 1 | $ 210,000 | $ 210,000 | $ 238,000 |
Mortgage Loan Application Detail Totals for Independent Bank in 2017
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 | 1,843 | $640,383,000 | $347,000 | $20,680,000 | $151,000 | $9,999,000 |
| Refinancing | 350 | $104,903,000 | $299,000 | $4,450,000 | $158,000 | $4,754,000 |
| Home Improvement | 183 | $33,099,000 | $180,000 | $2,400,000 | $179,000 | $3,795,000 |
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 | 1,284 | $366,888,000 | $285,000 | $3,550,000 | $199,000 | $9,999,000 |
| Hispanic | 379 | $77,399,000 | $204,000 | $1,600,000 | $97,000 | $2,683,000 |
| Not Provided | 280 | $65,472,000 | $233,000 | $1,120,000 | $125,000 | $1,303,000 |
| Not applicable | 276 | $212,690,000 | $770,000 | $20,680,000 | $0 | $0 |
| Asian | 76 | $27,636,000 | $363,000 | $3,075,000 | $257,000 | $2,336,000 |
| Black or African American | 68 | $19,778,000 | $290,000 | $1,200,000 | $232,000 | $2,895,000 |
| American Indian or Alaskan Native | 11 | $7,842,000 | $712,000 | $3,500,000 | $303,000 | $1,195,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $680,000 | $340,000 | $407,000 | $119,000 | $179,000 |
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) | 1,942 | $688,732,000 | $354,000 | $20,680,000 | $173,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 347 | $67,856,000 | $195,000 | $369,000 | $67,000 | $189,000 |
| VA-guaranteed (Veterans Administration) | 67 | $18,790,000 | $280,000 | $686,000 | $102,000 | $447,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $3,007,000 | $150,000 | $241,000 | $49,000 | $77,000 |
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 | 1,912 | $650,166,000 | $340,000 | $20,680,000 | $150,000 | $9,999,000 |
| Application Withdrawn By Applicant | 326 | $87,434,000 | $268,000 | $2,225,000 | $166,000 | $4,754,000 |
| Application Approved But Not Accepted | 73 | $24,857,000 | $340,000 | $2,958,000 | $232,000 | $2,336,000 |
| Application Denied By Financial Institution | 65 | $15,928,000 | $245,000 | $1,885,000 | $141,000 | $1,860,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 34 | $9,453,000 | $278,000 | $1,885,000 | $136,000 | $1,860,000 |
| Credit History | 15 | $3,357,000 | $223,000 | $1,000,000 | $182,000 | $1,118,000 |
| Collateral | 5 | $759,000 | $151,000 | $269,000 | $165,000 | $275,000 |
| Unverifiable Information | 4 | $722,000 | $180,000 | $204,000 | $77,000 | $120,000 |
| Other | 2 | $519,000 | $259,000 | $380,000 | $127,000 | $254,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $148,000 | $74,000 | $120,000 | $89,000 | $105,000 |
| Mortgage Insurance Denied | 1 | $240,000 | $240,000 | $240,000 | $85,000 | $85,000 |
| Credit Application Incomplete | 1 | $400,000 | $400,000 | $400,000 | $115,000 | $115,000 |
| Employment History | 1 | $330,000 | $330,000 | $330,000 | $76,000 | $76,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Independent Bank's 2017 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.