Independent Bank
Independent Bank received 158 applications in 2025 and made 120 mortgages, in 26 counties across 7 states. The median rate its borrowers got was Not published on a median loan of $275,000. Of 131 decisions, 9 were denials — 6.9%.
| Legal Entity Identifier | 549300RBN5KM5RUFOE42 |
|---|---|
| Applications received | 158 |
| Mortgages made | 120 |
| Denied | 9 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 27 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Independent Bank, 59 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 84 | Not published | $265,000 | 8.5% |
| Refinancing | 28 | Not published | $455,000 | 3.5% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
Where Independent 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 |
|---|---|---|---|
| Shelby County, TN | 80 | Not published | 5.9% |
| DeSoto County, MS | 9 | Under 10 loans | 28.6% |
| Fayette County, TN | 8 | Under 10 loans | 0.0% |
| Crittenden County, AR | 5 | Under 10 loans | 0.0% |
| Walton County, FL | 3 | Under 10 loans | 0.0% |
| Baldwin County, AL | 2 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Little River County, AR | 1 | Under 10 loans | 0.0% |
| Benton County, MS | 1 | Under 10 loans | 0.0% |
| Lafayette County, MS | 1 | Under 10 loans | 0.0% |
| Madison County, MS | 1 | Under 10 loans | 0.0% |
| Panola County, MS | 1 | Under 10 loans | 0.0% |
| Tishomingo County, MS | 1 | Under 10 loans | 0.0% |
| Union County, MS | 1 | Under 10 loans | 0.0% |
| Forsyth County, NC | 1 | Under 10 loans | 0.0% |
| Iredell County, NC | 1 | Under 10 loans | 0.0% |
| Anderson County, TN | 1 | Under 10 loans | 0.0% |
| Hardin County, TN | 1 | Under 10 loans | 0.0% |
| Madison County, TN | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 0 | Under 10 loans | 0.0% |
| Tate County, MS | 0 | Under 10 loans | Not published |
| Gibson County, TN | 0 | Under 10 loans | Not published |
| Knox County, TN | 0 | Under 10 loans | Not published |
| Marion County, TN | 0 | Under 10 loans | Not published |
| Roane County, TN | 0 | Under 10 loans | Not published |
| Tipton County, TN | 0 | Under 10 loans | Not published |
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When Independent Bank’s figures are published for the next year, or restated.
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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.