Tib the Independent Bankersban Mortgage Lending & HMDA Data, 2016
In 2016, Tib the Independent Bankersban of Farmers Branch, TX reported 2,617 mortgage applications totaling $489.4 million, up 17% from 2015. The average application was for $187,017, and applicants reported an average income of $100,760. 69% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Springfield, MO (223), Jefferson City, MO (134) and Tyler, TX (103) (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 | 2,617 |
| Total Mortgage Loan Application Amount | $489,424,000 |
| Average Mortgage Loan Application Amount | $187,017 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $100,760 |
| Highest Applicant Income | $3,161,000 |
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records Tib the Independent Bankersban filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Springfield, MO | 223 | $ 35,064,000 | $ 157,237 | $ 79,000 |
| Jefferson City, MO | 134 | $ 23,556,000 | $ 175,791 | $ 82,000 |
| Tyler, TX | 103 | $ 21,559,000 | $ 209,310 | $ 115,000 |
| San Antonio-New Braunfels, TX | 90 | $ 23,924,000 | $ 265,822 | $ 142,000 |
| Austin-Round Rock, TX | 87 | $ 19,751,000 | $ 227,022 | $ 110,000 |
| Monroe, LA | 80 | $ 18,385,000 | $ 229,812 | $ 109,000 |
| Dallas-Plano-Irving, TX | 74 | $ 15,722,000 | $ 212,459 | $ 142,000 |
| Longview, TX | 65 | $ 13,165,000 | $ 202,538 | $ 111,000 |
| New Orleans-Metairie, LA | 62 | $ 12,307,000 | $ 198,500 | $ 94,000 |
| Alexandria, LA | 58 | $ 10,515,000 | $ 181,293 | $ 80,000 |
| Lake Havasu City-Kingman, AZ | 55 | $ 9,822,000 | $ 178,581 | $ 74,000 |
| Lafayette, LA | 48 | $ 11,523,000 | $ 240,062 | $ 143,000 |
| Columbia, MO | 44 | $ 8,324,000 | $ 189,181 | $ 82,000 |
| Fort Worth-Arlington, TX | 34 | $ 7,863,000 | $ 231,264 | $ 133,000 |
| College Station-Bryan, TX | 29 | $ 5,559,000 | $ 191,689 | $ 136,000 |
| San Angelo, TX | 29 | $ 5,597,000 | $ 193,000 | $ 96,000 |
| Little Rock-North Little Rock-Conway, AR | 25 | $ 4,737,000 | $ 189,480 | $ 92,000 |
| Shreveport-Bossier City, LA | 24 | $ 5,157,000 | $ 214,875 | $ 75,000 |
| St. Louis, MO-IL | 24 | $ 4,462,000 | $ 185,916 | $ 110,000 |
| Houston-The Woodlands-Sugar Land, TX | 23 | $ 5,837,000 | $ 253,782 | $ 128,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 22 | $ 3,941,000 | $ 179,136 | $ 106,000 |
| Houma-Thibodaux, LA | 20 | $ 4,064,000 | $ 203,200 | $ 126,000 |
| Amarillo, TX | 19 | $ 3,979,000 | $ 209,421 | $ 137,000 |
| Wichita Falls, TX | 17 | $ 2,512,000 | $ 147,764 | $ 67,000 |
| Sherman-Denison, TX | 16 | $ 3,019,000 | $ 188,687 | $ 97,000 |
| Tulsa, OK | 15 | $ 2,424,000 | $ 161,600 | $ 95,000 |
| Killeen-Temple, TX | 14 | $ 2,454,000 | $ 175,285 | $ 156,000 |
| Joplin, MO | 13 | $ 1,881,000 | $ 144,692 | $ 73,000 |
| Kansas City, MO-KS | 13 | $ 2,728,000 | $ 209,846 | $ 194,692 |
| Champaign-Urbana, IL | 12 | $ 2,360,000 | $ 196,666 | $ 138,000 |
| Abilene, TX | 10 | $ 2,035,000 | $ 203,500 | $ 130,000 |
| Lubbock, TX | 10 | $ 1,360,000 | $ 136,000 | $ 71,000 |
| Birmingham-Hoover, AL | 9 | $ 1,363,000 | $ 151,444 | $ 63,000 |
| Decatur, AL | 9 | $ 1,028,000 | $ 114,222 | $ 56,000 |
| Indianapolis-Carmel-Anderson, IN | 8 | $ 874,000 | $ 109,250 | $ 57,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 1,784,000 | $ 223,000 | $ 60,000 |
| Baton Rouge, LA | 6 | $ 1,620,000 | $ 270,000 | $ 123,000 |
| Jackson, MS | 6 | $ 1,223,000 | $ 203,833 | $ 599,000 |
| Missoula, MT | 5 | $ 1,517,000 | $ 303,400 | $ 391,000 |
| Huntsville, AL | 4 | $ 765,000 | $ 191,250 | $ 480,000 |
| Oklahoma City, OK | 4 | $ 720,000 | $ 180,000 | $ 101,000 |
| Gettysburg, PA | 3 | $ 513,000 | $ 171,000 | $ 44,000 |
| Hammond, LA | 2 | $ 356,000 | $ 178,000 | $ 68,000 |
| Waco, TX | 2 | $ 552,000 | $ 276,000 | $ 133,000 |
| Albuquerque, NM | 1 | $ 131,000 | $ 131,000 | $ 53,000 |
| Beaumont-Port Arthur, TX | 1 | $ 143,000 | $ 143,000 | $ 87,000 |
| Cape Girardeau, MO-IL | 1 | $ 252,000 | $ 252,000 | $ 89,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 144,000 | $ 144,000 | $ 53,000 |
| Coeur D'Alene, ID | 1 | $ 409,000 | $ 409,000 | $ 152,000 |
| Corpus Christi, TX | 1 | $ 229,000 | $ 229,000 | $ 403,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 152,000 | $ 152,000 | $ 95,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 370,000 | $ 370,000 | $ 122,000 |
| Farmington, NM | 1 | $ 208,000 | $ 208,000 | $ 70,000 |
| Flagstaff, AZ | 1 | $ 238,000 | $ 238,000 | $ 97,000 |
| Great Falls, MT | 1 | $ 140,000 | $ 140,000 | $ 65,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 88,000 | $ 88,000 | $ 112,000 |
| Jonesboro, AR | 1 | $ 333,000 | $ 333,000 | $ 196,000 |
| La Crosse-Onalaska, WI-MN | 1 | $ 216,000 | $ 216,000 | $ 72,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 300,000 | $ 300,000 | $ 307,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 173,000 | $ 173,000 | $ 78,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 146,000 | $ 146,000 | $ 170,000 |
| Punta Gorda, FL | 1 | $ 289,000 | $ 289,000 | $ 93,000 |
| Salem, OR | 1 | $ 353,000 | $ 353,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 600,000 | $ 600,000 | $ 304,000 |
| York-Hanover, PA | 1 | $ 160,000 | $ 160,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for Tib the Independent Bankersban in 2016
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 | 1,792 | $336,724,000 | $187,000 | $1,000,000 | $96,000 | $3,161,000 |
| Refinancing | 771 | $144,142,000 | $186,000 | $600,000 | $113,000 | $927,000 |
| Home Improvement | 54 | $8,558,000 | $158,000 | $418,000 | $84,000 | $320,000 |
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 | 2,351 | $438,991,000 | $186,000 | $1,000,000 | $101,000 | $3,161,000 |
| Hispanic | 118 | $19,847,000 | $168,000 | $417,000 | $80,000 | $347,000 |
| Not Provided | 74 | $16,117,000 | $217,000 | $417,000 | $120,000 | $426,000 |
| Black or African American | 37 | $7,286,000 | $196,000 | $588,000 | $112,000 | $927,000 |
| Asian | 25 | $4,578,000 | $183,000 | $373,000 | $109,000 | $329,000 |
| American Indian or Alaskan Native | 9 | $1,873,000 | $208,000 | $409,000 | $148,000 | $500,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $732,000 | $244,000 | $396,000 | $97,000 | $150,000 |
| 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) | 2,133 | $418,402,000 | $196,000 | $1,000,000 | $109,000 | $3,161,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 226 | $27,656,000 | $122,000 | $269,000 | $48,000 | $124,000 |
| FHA-insured (Federal Housing Administration) | 141 | $20,058,000 | $142,000 | $276,000 | $66,000 | $205,000 |
| VA-guaranteed (Veterans Administration) | 117 | $23,308,000 | $199,000 | $588,000 | $85,000 | $451,000 |
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 Originated | 1,814 | $340,987,000 | $187,000 | $1,000,000 | $105,000 | $3,161,000 |
| Loan Purchased By The Institution | 619 | $114,006,000 | $184,000 | $474,000 | $96,000 | $1,110,000 |
| Application Denied By Financial Institution | 125 | $23,579,000 | $188,000 | $417,000 | $58,000 | $248,000 |
| Application Approved But Not Accepted | 59 | $10,852,000 | $183,000 | $415,000 | $117,000 | $850,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 68 | $14,668,000 | $215,000 | $417,000 | $52,000 | $204,000 |
| Other | 20 | $2,791,000 | $139,000 | $216,000 | $70,000 | $129,000 |
| Credit History | 16 | $2,310,000 | $144,000 | $337,000 | $49,000 | $120,000 |
| Collateral | 13 | $1,784,000 | $137,000 | $400,000 | $63,000 | $202,000 |
| Credit Application Incomplete | 7 | $1,912,000 | $273,000 | $353,000 | $107,000 | $248,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $114,000 | $114,000 | $114,000 | $46,000 | $46,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tib the Independent Bankersban's 2016 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Tib the Independent Bankersban's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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