apply online

Independent Bank lends in the following states: Michigan, Illinois, Indiana, Florida and North Carolina. The Application Checklist information is required to apply for a mortgage online. If all of this information is not available, please complete as much as possible and a residential loan officer will contact you.

Application Checklist

  • Full legal name
  • E-mail address
  • Contact phone number
  • Date of birth
  • Social Security number for all applicants
  • Current gross monthly income
  • Subject property address
  • Estimated value of the subject property
  • Purchase price, if applicable
  • Loan amount requested
  • Type of product requested – fixed rate or adjustable rate
  • Preferred interest rate
  • Number of years – 30, 20 or 15 years

Once you begin the online mortgage application process, you’ll need to answer questions about your employment and finances, including assets, current obligations and subject property information. By completing the online application, you are giving permission to Independent Bank to obtain your credit report. Once the online application process is complete, your credit report and application will be evaluated and you’ll be contacted by a residential loan officer.

If at any time you wish to speak to a residential loan officer, please call 1.800.285.3111 for assistance. You can also search for a loan officer using our residential loan officer search.

Normal credit standards and restrictions apply to conventional loans. Additional credit standards apply to FHA & other government loans.