First Independence Bank
First Independence Bank received 149 applications in 2025 and made 91 mortgages, in 26 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $385,000. Of 103 decisions, 12 were denials — 11.7%.
| Legal Entity Identifier | 2549004O2ZT0HSAP5S70 |
|---|---|
| Applications received | 149 |
| Mortgages made | 91 |
| Denied | 12 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 46 |
| Loans bought from other lenders | 8 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Independence Bank, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 65 | Not published | $425,000 | 5.8% |
| Refinancing | 17 | Not published | $345,000 | 5.6% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 60.0% |
Where First Independence Bank lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Oakland County, MI | 38 | Not published | 0.0% |
| Wayne County, MI | 11 | Not published | 38.9% |
| Macomb County, MI | 9 | Under 10 loans | 10.0% |
| Hennepin County, MN | 6 | Under 10 loans | 14.3% |
| Cook County, IL | 4 | Under 10 loans | 0.0% |
| Dakota County, MN | 3 | Under 10 loans | 25.0% |
| Allegan County, MI | 2 | Under 10 loans | 0.0% |
| Midland County, MI | 2 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 2 | Under 10 loans | 0.0% |
| Carver County, MN | 2 | Under 10 loans | 0.0% |
| Ramsey County, MN | 2 | Under 10 loans | 0.0% |
| Washington County, MN | 2 | Under 10 loans | 0.0% |
| Alcona County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Jackson County, MI | 1 | Under 10 loans | 0.0% |
| Ottawa County, MI | 1 | Under 10 loans | 0.0% |
| St. Clair County, MI | 1 | Under 10 loans | 0.0% |
| Anoka County, MN | 1 | Under 10 loans | 0.0% |
| Olmsted County, MN | 1 | Under 10 loans | 0.0% |
| Stearns County, MN | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 0 | Under 10 loans | Not published |
| Genesee County, MI | 0 | Under 10 loans | Not published |
| Ingham County, MI | 0 | Under 10 loans | Not published |
| Kent County, MI | 0 | Under 10 loans | 100.0% |
| Monroe County, MI | 0 | Under 10 loans | Not published |
| Saginaw County, MI | 0 | Under 10 loans | 100.0% |
Get told when this changes
When First Independence Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.