Tib the Independent Bankersban Mortgage Lending & HMDA Data, 2011

In 2011, Tib the Independent Bankersban of Farmers Branch, TX reported 2,353 mortgage applications totaling $387.5 million, down 16% from 2010. The average application was for $164,689, and applicants reported an average income of $94,729. 15% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Jefferson City, MO (194), Austin-Round Rock-San Marcos, TX (146) and San Angelo, TX (122) (applications in parentheses).

Mortgage Company & Address Tib the Independent Bankersban
11701 Luna Road
Farmers Branch, TX 75234
Tel #: available with data download
Federal Regulator * available with data download
Years 2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 2,353
Total Mortgage Loan Application Amount $387,514,000
Average Mortgage Loan Application Amount $164,689
Highest Mortgage Loan Application Amount $499,000
Average Applicant Income $94,729
Highest Applicant Income $1,156,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tib the Independent Bankersban filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Tib the Independent Bankersban by County in 2011

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Cole, Missouri 120 $ 20,582,000 $ 171,516 $ 84,000
Tom Green, Texas 120 $ 18,129,000 $ 151,075 $ 90,000
Gillespie, Texas 84 $ 15,741,000 $ 187,392 $ 86,000
Smith, Texas 65 $ 11,535,000 $ 177,461 $ 96,000
Williamson, Texas 64 $ 14,176,000 $ 221,500 $ 145,000
Pima, Arizona 59 $ 7,816,000 $ 132,474 $ 51,000
Walker, Texas 59 $ 8,567,000 $ 145,203 $ 95,000
Laclede, Missouri 56 $ 6,836,000 $ 122,071 $ 64,000
Osage, Missouri 49 $ 7,199,000 $ 146,918 $ 71,000
Pontotoc, Oklahoma 45 $ 5,719,000 $ 127,088 $ 55,000
Polk, Missouri 40 $ 6,227,000 $ 155,675 $ 90,000
Bastrop, Texas 36 $ 5,308,000 $ 147,444 $ 105,000
Jasper, Missouri 35 $ 4,450,000 $ 127,142 $ 60,000
Wise, Texas 35 $ 6,144,000 $ 175,542 $ 87,000
Comal, Texas 34 $ 9,005,000 $ 264,852 $ 143,000
Boone, Missouri 33 $ 5,120,000 $ 155,151 $ 68,000
Montgomery, Texas 33 $ 5,654,000 $ 171,333 $ 93,000
Wichita, Texas 31 $ 4,194,000 $ 135,290 $ 117,000
Rusk, Texas 29 $ 4,511,000 $ 155,551 $ 87,000
Travis, Texas 29 $ 7,109,000 $ 245,137 $ 123,000
Burnet, Texas 28 $ 4,222,000 $ 150,785 $ 80,000
Texas, Oklahoma 27 $ 3,439,000 $ 127,370 $ 73,000
Henderson, Texas 27 $ 3,721,000 $ 137,814 $ 86,000
Randall, Texas 26 $ 4,598,000 $ 176,846 $ 90,000
Lea, New Mexico 23 $ 3,096,000 $ 134,608 $ 66,000
Bell, Texas 23 $ 3,955,000 $ 171,956 $ 90,000
Johnson, Kansas 22 $ 3,728,000 $ 169,454 $ 84,000
Callaway, Missouri 22 $ 3,250,000 $ 147,727 $ 76,000
Taney, Missouri 22 $ 3,514,000 $ 159,727 $ 126,000
Denton, Texas 22 $ 3,426,000 $ 155,727 $ 122,000
Palo Pinto, Texas 22 $ 5,802,000 $ 263,727 $ 277,000
Vermilion, Louisiana 21 $ 3,644,000 $ 173,523 $ 115,000
Ouachita, Louisiana 19 $ 2,957,000 $ 155,631 $ 75,000
Miller, Missouri 19 $ 2,999,000 $ 157,842 $ 81,000
Cooke, Texas 19 $ 3,752,000 $ 197,473 $ 112,000
Gregg, Texas 19 $ 3,388,000 $ 178,315 $ 96,000
Guadalupe, Texas 19 $ 2,752,000 $ 144,842 $ 103,000
Garfield, Oklahoma 18 $ 2,295,000 $ 127,500 $ 55,000
San Juan, New Mexico 17 $ 2,653,000 $ 156,058 $ 65,000
Collin, Texas 17 $ 3,494,000 $ 205,529 $ 142,000
Grant, Louisiana 16 $ 1,989,000 $ 124,312 $ 72,000
Harrison, Texas 16 $ 3,477,000 $ 217,312 $ 120,000
Tarrant, Texas 16 $ 2,780,000 $ 173,750 $ 111,000
Cape Girardeau, Missouri 15 $ 2,865,000 $ 191,000 $ 208,000
Okmulgee, Oklahoma 15 $ 1,856,000 $ 123,733 $ 75,000
Hays, Texas 15 $ 3,426,000 $ 228,400 $ 96,000
Lafayette, Louisiana 14 $ 3,165,000 $ 226,071 $ 125,000
Camden, Missouri 14 $ 2,853,000 $ 203,785 $ 147,000
Harris, Texas 14 $ 2,955,000 $ 211,071 $ 209,000
McLennan, Texas 14 $ 2,114,000 $ 151,000 $ 82,000
Perry, Missouri 13 $ 1,716,000 $ 132,000 $ 69,000
Montague, Texas 13 $ 2,260,000 $ 173,846 $ 138,000
Greene, Missouri 12 $ 1,649,000 $ 137,416 $ 75,000
St. Francois, Missouri 12 $ 2,074,000 $ 172,833 $ 81,000
Richland, Louisiana 11 $ 1,670,000 $ 151,818 $ 73,000
Maries, Missouri 11 $ 1,668,000 $ 151,636 $ 75,000
Jack, Texas 11 $ 1,897,000 $ 172,454 $ 110,000
Oklahoma, Oklahoma 10 $ 1,559,000 $ 155,900 $ 59,000
Johnson, Texas 10 $ 2,301,000 $ 230,100 $ 99,000
Lee, Texas 10 $ 1,446,000 $ 144,600 $ 82,000
Titus, Texas 10 $ 1,900,000 $ 190,000 $ 163,000
Young, Texas 10 $ 1,605,000 $ 160,500 $ 139,000
Rapides, Louisiana 9 $ 1,627,000 $ 180,777 $ 87,000
Morgan, Missouri 8 $ 1,164,000 $ 145,500 $ 88,000
Cherokee, Texas 8 $ 1,343,000 $ 167,875 $ 77,000
Dallas, Texas 8 $ 1,843,000 $ 230,375 $ 148,000
Fayette, Texas 8 $ 1,911,000 $ 238,875 $ 104,000
Hartley, Texas 8 $ 1,261,000 $ 157,625 $ 109,000
Ochiltree, Texas 8 $ 1,367,000 $ 170,875 $ 120,000
Panola, Texas 8 $ 1,139,000 $ 142,375 $ 81,000
Runnels, Texas 8 $ 1,043,000 $ 130,375 $ 69,000
Val Verde, Texas 8 $ 1,127,000 $ 140,875 $ 73,000
Canadian, Oklahoma 7 $ 1,131,000 $ 161,571 $ 82,000
Grayson, Texas 7 $ 937,000 $ 133,857 $ 69,000
Limestone, Texas 7 $ 1,063,000 $ 151,857 $ 89,000
Navarro, Texas 7 $ 940,000 $ 134,285 $ 72,000
Franklin, Missouri 6 $ 893,000 $ 148,833 $ 80,000
Stone, Missouri 6 $ 1,207,000 $ 201,166 $ 113,000
Anderson, Texas 6 $ 1,056,000 $ 176,000 $ 103,000
Brazos, Texas 6 $ 994,000 $ 165,666 $ 168,000
Fort Bend, Texas 6 $ 1,022,000 $ 170,333 $ 99,000
Kerr, Texas 6 $ 1,031,000 $ 171,833 $ 108,000
Llano, Texas 6 $ 1,359,000 $ 226,500 $ 166,000
Moore, Texas 6 $ 567,000 $ 94,500 $ 73,000
Carroll, Arkansas 5 $ 730,000 $ 146,000 $ 86,000
Caldwell, Louisiana 5 $ 698,000 $ 139,600 $ 72,000
Iberia, Louisiana 5 $ 927,000 $ 185,400 $ 123,000
Jackson, Missouri 5 $ 631,000 $ 126,200 $ 62,000
Jefferson, Missouri 5 $ 528,000 $ 105,600 $ 51,000
Newton, Missouri 5 $ 613,000 $ 122,600 $ 55,000
Pittsburg, Oklahoma 5 $ 835,000 $ 167,000 $ 56,000
Tulsa, Oklahoma 5 $ 550,000 $ 110,000 $ 39,000
Bexar, Texas 5 $ 1,295,000 $ 259,000 $ 111,000
Kaufman, Texas 5 $ 713,000 $ 142,600 $ 49,000
Medina, Texas 5 $ 714,000 $ 142,800 $ 56,000
Rockwall, Texas 5 $ 1,517,000 $ 303,400 $ 189,000
Taylor, Texas 5 $ 1,043,000 $ 208,600 $ 112,000
Van Zandt, Texas 5 $ 799,000 $ 159,800 $ 80,000
Boone, Indiana 4 $ 375,000 $ 93,750 $ 49,000
Ascension, Louisiana 4 $ 645,000 $ 161,250 $ 115,000
Franklin, Louisiana 4 $ 444,000 $ 111,000 $ 69,000
La Salle, Louisiana 4 $ 666,000 $ 166,500 $ 94,000
Christian, Missouri 4 $ 482,000 $ 120,500 $ 64,000
Crawford, Missouri 4 $ 480,000 $ 120,000 $ 77,000
Gasconade, Missouri 4 $ 479,000 $ 119,750 $ 66,000
Hickory, Missouri 4 $ 603,000 $ 150,750 $ 74,000
Howell, Missouri 4 $ 326,000 $ 81,500 $ 30,000
Texas, Missouri 4 $ 455,000 $ 113,750 $ 45,000
Webster, Missouri 4 $ 477,000 $ 119,250 $ 70,000
Taos, New Mexico 4 $ 1,267,000 $ 316,750 $ 89,000
Johnston, Oklahoma 4 $ 286,000 $ 71,500 $ 46,000
Clay, Texas 4 $ 481,000 $ 120,250 $ 53,000
Coke, Texas 4 $ 338,000 $ 84,500 $ 47,000
Hopkins, Texas 4 $ 628,000 $ 157,000 $ 82,000
Hunt, Texas 4 $ 748,000 $ 187,000 $ 75,000
Liberty, Texas 4 $ 408,000 $ 102,000 $ 122,000
Lubbock, Texas 4 $ 889,000 $ 222,250 $ 139,000
Upshur, Texas 4 $ 633,000 $ 158,250 $ 112,000
Wharton, Texas 4 $ 783,000 $ 195,750 $ 102,000
Maricopa, Arizona 3 $ 315,000 $ 105,000 $ 77,000
Pulaski, Arkansas 3 $ 298,000 $ 99,333 $ 29,000
La Plata, Colorado 3 $ 613,000 $ 204,333 $ 31,000
St. Martin, Louisiana 3 $ 615,000 $ 205,000 $ 93,000
St. Mary, Louisiana 3 $ 568,000 $ 189,333 $ 291,000
Tangipahoa, Louisiana 3 $ 374,000 $ 124,666 $ 51,000
Adams, Mississippi 3 $ 318,000 $ 106,000 $ 31,000
Barry, Missouri 3 $ 300,000 $ 100,000 $ 97,000
Dallas, Missouri 3 $ 322,000 $ 107,333 $ 50,000
Moniteau, Missouri 3 $ 339,000 $ 113,000 $ 45,000
Phelps, Missouri 3 $ 323,000 $ 107,666 $ 57,000
St. Louis, Missouri 3 $ 602,000 $ 200,666 $ 77,000
Beckham, Oklahoma 3 $ 578,000 $ 192,666 $ 149,000
McIntosh, Oklahoma 3 $ 343,000 $ 114,333 $ 60,000
Murray, Oklahoma 3 $ 355,000 $ 118,333 $ 50,000
Muskogee, Oklahoma 3 $ 382,000 $ 127,333 $ 101,000
Atascosa, Texas 3 $ 599,000 $ 199,666 $ 117,000
Blanco, Texas 3 $ 470,000 $ 156,666 $ 211,000
Cass, Texas 3 $ 391,000 $ 130,333 $ 80,000
Colorado, Texas 3 $ 383,000 $ 127,666 $ 116,000
Hansford, Texas 3 $ 328,000 $ 109,333 $ 89,000
Potter, Texas 3 $ 777,000 $ 259,000 $ 102,000
Sherman, Texas 3 $ 341,000 $ 113,666 $ 74,000
Washington, Texas 3 $ 893,000 $ 297,666 $ 98,000
Wilson, Texas 3 $ 666,000 $ 222,000 $ 100,000
Pinal, Arizona 2 $ 419,000 $ 209,500 $ 59,000
Yuma, Arizona 2 $ 369,000 $ 184,500 $ 73,000
Miller, Arkansas 2 $ 261,000 $ 130,500 $ 96,000
Washington, Arkansas 2 $ 200,000 $ 100,000 $ 123,000
Jefferson, Kansas 2 $ 327,000 $ 163,500 $ 15,000
Shawnee, Kansas 2 $ 256,000 $ 128,000 $ 52,000
Claiborne, Louisiana 2 $ 138,000 $ 69,000 $ 77,000
East Baton Rouge, Louisiana 2 $ 399,000 $ 199,500 $ 163,000
Livingston, Louisiana 2 $ 472,000 $ 236,000 $ 129,000
Madison, Louisiana 2 $ 265,000 $ 132,500 $ 66,000
Morehouse, Louisiana 2 $ 482,000 $ 241,000 $ 288,000
St. James, Louisiana 2 $ 365,000 $ 182,500 $ 93,000
Tensas, Louisiana 2 $ 405,000 $ 202,500 $ 103,000
Clay, Missouri 2 $ 319,000 $ 159,500 $ 44,000
Howard, Missouri 2 $ 233,000 $ 116,500 $ 83,000
Warren, Missouri 2 $ 372,000 $ 186,000 $ 70,000
Wright, Missouri 2 $ 228,000 $ 114,000 $ 49,000
Douglas, Nebraska 2 $ 320,000 $ 160,000 $ 90,000
Bernalillo, New Mexico 2 $ 526,000 $ 263,000 $ 86,000
Lincoln, New Mexico 2 $ 550,000 $ 275,000 $ 251,000
Luna, New Mexico 2 $ 356,000 $ 178,000 $ 74,000
Atoka, Oklahoma 2 $ 392,000 $ 196,000 $ 102,000
Bryan, Oklahoma 2 $ 234,000 $ 117,000 $ 14,000
Carter, Oklahoma 2 $ 212,000 $ 106,000 $ 34,000
Garvin, Oklahoma 2 $ 122,000 $ 61,000 $ 47,000
Hughes, Oklahoma 2 $ 199,000 $ 99,500 $ 45,000
Major, Oklahoma 2 $ 272,000 $ 136,000 $ 84,000
Austin, Texas 2 $ 490,000 $ 245,000 $ 236,000
Bowie, Texas 2 $ 563,000 $ 281,500 $ 266,000
Caldwell, Texas 2 $ 318,000 $ 159,000 $ 58,000
Calhoun, Texas 2 $ 257,000 $ 128,500 $ 74,000
Callahan, Texas 2 $ 509,000 $ 254,500 $ 133,000
Cameron, Texas 2 $ 533,000 $ 266,500 $ 157,000
Camp, Texas 2 $ 450,000 $ 225,000 $ 121,000
Dallam, Texas 2 $ 290,000 $ 145,000 $ 59,000
Deaf Smith, Texas 2 $ 266,000 $ 133,000 $ 155,000
Ellis, Texas 2 $ 228,000 $ 114,000 $ 68,000
Hardin, Texas 2 $ 298,000 $ 149,000 $ 78,000
Hidalgo, Texas 2 $ 382,000 $ 191,000 $ 110,000
Hill, Texas 2 $ 188,000 $ 94,000 $ 121,000
Irion, Texas 2 $ 145,000 $ 72,500 $ 34,000
Jackson, Texas 2 $ 463,000 $ 231,500 $ 141,000
Kendall, Texas 2 $ 368,000 $ 184,000 $ 140,000
McCulloch, Texas 2 $ 519,000 $ 259,500 $ 132,000
Midland, Texas 2 $ 385,000 $ 192,500 $ 103,000
Mills, Texas 2 $ 225,000 $ 112,500 $ 70,000
Parker, Texas 2 $ 532,000 $ 266,000 $ 115,000
Polk, Texas 2 $ 232,000 $ 116,000 $ 79,000
Wood, Texas 2 $ 185,000 $ 92,500 $ 81,000
Baxter, Arkansas 1 $ 220,000 $ 220,000 $ 101,000
Benton, Arkansas 1 $ 194,000 $ 194,000 $ 71,000
Saline, Arkansas 1 $ 103,000 $ 103,000 $ 23,000
San Benito, California 1 $ 276,000 $ 276,000 $ 165,000
Santa Cruz, California 1 $ 456,000 $ 456,000 $ 127,000
Adams, Colorado 1 $ 110,000 $ 110,000 $ 141,000
El Paso, Colorado 1 $ 141,000 $ 141,000 $ 37,000
Gunnison, Colorado 1 $ 407,000 $ 407,000 $ 390,000
Brevard, Florida 1 $ 172,000 $ 172,000 $ 80,000
Duval, Florida 1 $ 182,000 $ 182,000 $ 75,000
Lee, Florida 1 $ 375,000 $ 375,000 $ 185,000
Cobb, Georgia 1 $ 180,000 $ 180,000 $ 68,000
Douglas, Georgia 1 $ 230,000 $ 230,000 $ 159,000
Ada, Idaho 1 $ 98,000 $ 98,000 $ 65,000
Oneida, Idaho 1 $ 64,000 $ 64,000 $ 44,000
Lee, Illinois 1 $ 100,000 $ 100,000 $ 209,000
Menard, Illinois 1 $ 200,000 $ 200,000 $ 151,000
Hamilton, Indiana 1 $ 400,000 $ 400,000 $ 213,000
Marion, Indiana 1 $ 134,000 $ 134,000 $ 35,000
Parke, Indiana 1 $ 80,000 $ 80,000 $ 34,000
Tippecanoe, Indiana 1 $ 112,000 $ 112,000 $ 82,000
Scott, Iowa 1 $ 55,000 $ 55,000 $ 0
Anderson, Kansas 1 $ 76,000 $ 76,000 $ 26,000
Miami, Kansas 1 $ 155,000 $ 155,000 $ 88,000
Riley, Kansas 1 $ 222,000 $ 222,000 $ 74,000
Sedgwick, Kansas 1 $ 168,000 $ 168,000 $ 0
Wyandotte, Kansas 1 $ 87,000 $ 87,000 $ 39,000
Acadia, Louisiana 1 $ 135,000 $ 135,000 $ 166,000
Catahoula, Louisiana 1 $ 80,000 $ 80,000 $ 31,000
Concordia, Louisiana 1 $ 118,000 $ 118,000 $ 54,000
Iberville, Louisiana 1 $ 174,000 $ 174,000 $ 104,000
Jackson, Louisiana 1 $ 252,000 $ 252,000 $ 142,000
Jefferson Davis, Louisiana 1 $ 168,000 $ 168,000 $ 78,000
Lafourche, Louisiana 1 $ 80,000 $ 80,000 $ 79,000
Lincoln, Louisiana 1 $ 148,000 $ 148,000 $ 47,000
Natchitoches, Louisiana 1 $ 183,000 $ 183,000 $ 177,000
Orleans, Louisiana 1 $ 217,000 $ 217,000 $ 62,000
Hinds, Mississippi 1 $ 191,000 $ 191,000 $ 56,000
Warren, Mississippi 1 $ 98,000 $ 98,000 $ 42,000
Dade, Missouri 1 $ 67,000 $ 67,000 $ 55,000
Johnson, Missouri 1 $ 123,000 $ 123,000 $ 73,000
Montgomery, Missouri 1 $ 42,000 $ 42,000 $ 56,000
New Madrid, Missouri 1 $ 114,000 $ 114,000 $ 41,000
Pulaski, Missouri 1 $ 119,000 $ 119,000 $ 54,000
St. Clair, Missouri 1 $ 120,000 $ 120,000 $ 115,000
Ste. Genevieve, Missouri 1 $ 228,000 $ 228,000 $ 100,000
Washington, Missouri 1 $ 234,000 $ 234,000 $ 85,000
Adams, Nebraska 1 $ 154,000 $ 154,000 $ 55,000
Dona Ana, New Mexico 1 $ 125,000 $ 125,000 $ 132,000
Sierra, New Mexico 1 $ 188,000 $ 188,000 $ 113,000
Choctaw, Oklahoma 1 $ 94,000 $ 94,000 $ 42,000
Coal, Oklahoma 1 $ 108,000 $ 108,000 $ 42,000
Delaware, Oklahoma 1 $ 101,000 $ 101,000 $ 135,000
Haskell, Oklahoma 1 $ 334,000 $ 334,000 $ 205,000
Jefferson, Oklahoma 1 $ 138,000 $ 138,000 $ 115,000
McClain, Oklahoma 1 $ 67,000 $ 67,000 $ 36,000
Payne, Oklahoma 1 $ 361,000 $ 361,000 $ 325,000
Pushmataha, Oklahoma 1 $ 130,000 $ 130,000 $ 182,000
Rogers, Oklahoma 1 $ 200,000 $ 200,000 $ 160,000
Multnomah, Oregon 1 $ 84,000 $ 84,000 $ 48,000
Lancaster, Pennsylvania 1 $ 418,000 $ 418,000 $ 112,000
Florence, South Carolina 1 $ 181,000 $ 181,000 $ 87,000
Macon, Tennessee 1 $ 35,000 $ 35,000 $ 24,000
Angelina, Texas 1 $ 132,000 $ 132,000 $ 46,000
Bandera, Texas 1 $ 60,000 $ 60,000 $ 94,000
Brazoria, Texas 1 $ 146,000 $ 146,000 $ 76,000
Brown, Texas 1 $ 141,000 $ 141,000 $ 260,000
Concho, Texas 1 $ 114,000 $ 114,000 $ 76,000
Coryell, Texas 1 $ 117,000 $ 117,000 $ 70,000
Fannin, Texas 1 $ 148,000 $ 148,000 $ 86,000
Franklin, Texas 1 $ 260,000 $ 260,000 $ 61,000
Freestone, Texas 1 $ 136,000 $ 136,000 $ 117,000
Gaines, Texas 1 $ 106,000 $ 106,000 $ 39,000
Gonzales, Texas 1 $ 200,000 $ 200,000 $ 109,000
Grimes, Texas 1 $ 101,000 $ 101,000 $ 46,000
Hood, Texas 1 $ 176,000 $ 176,000 $ 73,000
Hutchinson, Texas 1 $ 133,000 $ 133,000 $ 55,000
Jeff Davis, Texas 1 $ 105,000 $ 105,000 $ 35,000
Jefferson, Texas 1 $ 214,000 $ 214,000 $ 90,000
Lampasas, Texas 1 $ 196,000 $ 196,000 $ 62,000
Leon, Texas 1 $ 160,000 $ 160,000 $ 63,000
Lipscomb, Texas 1 $ 100,000 $ 100,000 $ 97,000
Madison, Texas 1 $ 123,000 $ 123,000 $ 62,000
Mason, Texas 1 $ 102,000 $ 102,000 $ 21,000
Milam, Texas 1 $ 119,000 $ 119,000 $ 61,000
Morris, Texas 1 $ 159,000 $ 159,000 $ 54,000
Nueces, Texas 1 $ 156,000 $ 156,000 $ 115,000
Orange, Texas 1 $ 273,000 $ 273,000 $ 92,000
Parmer, Texas 1 $ 155,000 $ 155,000 $ 121,000
Reagan, Texas 1 $ 59,000 $ 59,000 $ 48,000
Robertson, Texas 1 $ 135,000 $ 135,000 $ 56,000
Schleicher, Texas 1 $ 144,000 $ 144,000 $ 55,000
Shackelford, Texas 1 $ 145,000 $ 145,000 $ 69,000
Stephens, Texas 1 $ 85,000 $ 85,000 $ 113,000
Sutton, Texas 1 $ 130,000 $ 130,000 $ 48,000
Victoria, Texas 1 $ 182,000 $ 182,000 $ 111,000
Salt Lake, Utah 1 $ 86,000 $ 86,000 $ 34,000
Bedford, Virginia 1 $ 156,000 $ 156,000 $ 92,000
Fairfax, Virginia 1 $ 499,000 $ 499,000 $ 235,000

Mortgage Loan Application Detail Totals for Tib the Independent Bankersban in 2011

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 1,199 $199,032,000 $165,000 $499,000 $88,000 $1,155,000
Refinancing 1,090 $177,969,000 $163,000 $456,000 $101,000 $1,156,000
Home Improvement 64 $10,513,000 $164,000 $417,000 $114,000 $425,000

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 2,133 $355,137,000 $166,000 $499,000 $96,000 $1,156,000
Hispanic 118 $17,978,000 $152,000 $417,000 $78,000 $309,000
Not Provided 33 $4,630,000 $140,000 $384,000 $74,000 $245,000
Black or African American 32 $4,471,000 $139,000 $338,000 $69,000 $348,000
Asian 19 $2,747,000 $144,000 $300,000 $76,000 $260,000
American Indian or Alaskan Native 15 $1,863,000 $124,000 $358,000 $77,000 $211,000
Native Hawaiian or Other Pacific Islander 3 $688,000 $229,000 $245,000 $210,000 $302,000
Not applicable 0 $0 $0 $0 $0 $0

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) 1,736 $304,205,000 $175,000 $456,000 $106,000 $1,156,000
FHA-insured (Federal Housing Administration) 401 $55,237,000 $137,000 $299,000 $65,000 $373,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 154 $17,546,000 $113,000 $246,000 $45,000 $104,000
VA-guaranteed (Veterans Administration) 62 $10,526,000 $169,000 $499,000 $77,000 $235,000

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 Purchased By The Institution 1,946 $328,892,000 $169,000 $417,000 $99,000 $1,156,000
Loan Originated 361 $52,519,000 $145,000 $499,000 $75,000 $373,000
Application Approved But Not Accepted 31 $4,410,000 $142,000 $456,000 $69,000 $245,000
Application Denied By Financial Institution 12 $1,399,000 $116,000 $208,000 $53,000 $100,000
Application Withdrawn By Applicant 3 $294,000 $98,000 $126,000 $37,000 $63,000
File Closed For Incompleteness 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
Credit History 5 $453,000 $90,000 $128,000 $46,000 $100,000
Debt-To-Income Ratio 2 $237,000 $118,000 $122,000 $48,000 $64,000
Other 2 $325,000 $162,000 $208,000 $81,000 $92,000
Insufficient Cash (Downpayment, Closing Cost) 1 $102,000 $102,000 $102,000 $64,000 $64,000
Collateral 1 $180,000 $180,000 $180,000 $65,000 $65,000
Credit Application Incomplete 1 $102,000 $102,000 $102,000 $21,000 $21,000
Employment History 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

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