Lender profile · HMDA 2023–2025
Independent Bank (Texas) mortgage approval rates & lending data
Independent Bank (Texas) decided 2,026 mortgage applications and funded 1,777 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 1,263 / 1,381 | 99% | $325K | 1,245 |
| Home improvement loans | 49% | 49 / 101 | 94% | $45K | 46 |
| Cash-out refinance | 81% | 67 / 83 | 99% | $225K | 66 |
| Refinance | 77% | 51 / 66 | 96% | $305K | 49 |
| Investment property purchase | 97% | 319 / 328 | 100% | $355K | 318 |
| Investment refinance | 73% | 22 / 30 | 100% | $185K | 22 |
Independent Bank (Texas) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 91% | $315K | 1,671 | 1,493 |
| Colorado | 78% | $405K | 285 | 219 |
| Alabama | 94% | $55K | 18 | 17 |
| Arizona | 100% | $315K | 10 | 9 |
| Ohio | 100% | $55K | 8 | 8 |
| Florida | 86% | $205K | 7 | 5 |
| Arkansas | 100% | $75K | 3 | 3 |
| Missouri | 100% | $45K | 3 | 3 |
| New York | 100% | $315K | 3 | 3 |
| Michigan | 100% | $65K | 2 | 2 |
| Tennessee | 100% | $355K | 2 | 2 |
| Georgia | 100% | $85K | 1 | 1 |
| Illinois | 0% | — | 1 | 0 |
| Kentucky | 100% | $205K | 1 | 1 |
| Massachusetts | 100% | $765K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.