Tib, National Association Mortgage Lending & HMDA Data, 2020
In 2020, Tib, National Association of Farmers Branch, TX reported 1,799 mortgage applications totaling $381.5 million, up 40% from 2019. The average application was for $212,037, and applicants reported an average income of $122,722. 71% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Springfield, MO (107), San Angelo, TX (101) and Austin-Round Rock, TX (95) (applications in parentheses).
| Mortgage Company & Address | Tib, National Association 11701 Luna Road Farmers Branch, TX 75234 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 1,799 |
| Total Mortgage Loan Application Amount | $381,455,000 |
| Average Mortgage Loan Application Amount | $212,037 |
| Highest Mortgage Loan Application Amount | $515,000 |
| Average Applicant Income | $122,722 |
| Highest Applicant Income | $2,368,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tib, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 704 | $ 135,540,000 | $ 192,528 | $ 115,170 |
| Springfield, MO | 107 | $ 19,815,000 | $ 185,186 | $ 108,000 |
| San Angelo, TX | 101 | $ 23,405,000 | $ 231,732 | $ 137,000 |
| Austin-Round Rock, TX | 95 | $ 21,285,000 | $ 224,052 | $ 113,000 |
| Alexandria, LA | 87 | $ 16,725,000 | $ 192,241 | $ 107,000 |
| Tyler, TX | 81 | $ 18,505,000 | $ 228,456 | $ 142,000 |
| New Orleans-Metairie, LA | 76 | $ 18,420,000 | $ 242,368 | $ 121,000 |
| Dallas-Plano-Irving, TX | 70 | $ 18,210,000 | $ 260,142 | $ 158,000 |
| Lafayette, LA | 69 | $ 15,635,000 | $ 226,594 | $ 128,000 |
| San Antonio-New Braunfels, TX | 48 | $ 13,040,000 | $ 271,666 | $ 147,000 |
| Longview, TX | 39 | $ 8,025,000 | $ 205,769 | $ 126,000 |
| College Station-Bryan, TX | 29 | $ 6,145,000 | $ 211,896 | $ 117,000 |
| Houma-Thibodaux, LA | 25 | $ 5,895,000 | $ 235,800 | $ 225,000 |
| Oklahoma City, OK | 25 | $ 5,225,000 | $ 209,000 | $ 113,000 |
| Houston-The Woodlands-Sugar Land, TX | 18 | $ 4,270,000 | $ 237,222 | $ 123,000 |
| Amarillo, TX | 14 | $ 3,580,000 | $ 255,714 | $ 159,000 |
| Seattle-Bellevue-Everett, WA | 14 | $ 5,120,000 | $ 365,714 | $ 208,000 |
| Baton Rouge, LA | 13 | $ 2,715,000 | $ 208,846 | $ 224,000 |
| Tulsa, OK | 13 | $ 2,045,000 | $ 157,307 | $ 71,000 |
| Lawton, OK | 11 | $ 2,915,000 | $ 265,000 | $ 125,000 |
| Lubbock, TX | 11 | $ 2,235,000 | $ 203,181 | $ 127,000 |
| Monroe, LA | 11 | $ 2,025,000 | $ 184,090 | $ 117,000 |
| Fort Worth-Arlington, TX | 10 | $ 2,880,000 | $ 288,000 | $ 113,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 9 | $ 2,165,000 | $ 240,555 | $ 102,000 |
| Mount Vernon-Anacortes, WA | 9 | $ 2,315,000 | $ 257,222 | $ 113,000 |
| Sierra Vista-Douglas, AZ | 8 | $ 1,250,000 | $ 156,250 | $ 102,000 |
| Waco, TX | 8 | $ 2,010,000 | $ 251,250 | $ 118,000 |
| Farmington, NM | 7 | $ 1,625,000 | $ 232,142 | $ 0 |
| Jefferson City, MO | 7 | $ 1,285,000 | $ 183,571 | $ 97,000 |
| Decatur, AL | 6 | $ 1,080,000 | $ 180,000 | $ 86,000 |
| Indianapolis-Carmel-Anderson, IN | 6 | $ 660,000 | $ 110,000 | $ 64,000 |
| Las Cruces, NM | 6 | $ 1,210,000 | $ 201,666 | $ 83,000 |
| Brownsville-Harlingen, TX | 5 | $ 1,905,000 | $ 381,000 | $ 346,000 |
| Missoula, MT | 5 | $ 1,185,000 | $ 237,000 | $ 125,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 965,000 | $ 193,000 | $ 101,000 |
| Birmingham-Hoover, AL | 4 | $ 450,000 | $ 112,500 | $ 79,000 |
| Joplin, MO | 4 | $ 530,000 | $ 132,500 | $ 76,000 |
| Killeen-Temple, TX | 4 | $ 1,060,000 | $ 265,000 | $ 110,000 |
| Huntsville, AL | 3 | $ 465,000 | $ 155,000 | $ 58,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 685,000 | $ 228,333 | $ 180,000 |
| Midland, TX | 3 | $ 965,000 | $ 321,666 | $ 162,000 |
| Fort Smith, AR-OK | 2 | $ 360,000 | $ 180,000 | $ 64,000 |
| Jonesboro, AR | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Santa Fe, NM | 2 | $ 700,000 | $ 350,000 | $ 176,000 |
| Victoria, TX | 2 | $ 610,000 | $ 305,000 | $ 210,000 |
| Abilene, TX | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| Albuquerque, NM | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 295,000 | $ 295,000 | $ 91,000 |
| Bellingham, WA | 1 | $ 245,000 | $ 245,000 | $ 55,000 |
| Champaign-Urbana, IL | 1 | $ 145,000 | $ 145,000 | $ 100,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 85,000 | $ 85,000 | $ 88,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 165,000 | $ 165,000 | $ 119,000 |
| Gadsden, AL | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Hammond, LA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Hot Springs, AR | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 135,000 | $ 135,000 | $ 156,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 105,000 | $ 105,000 | $ 82,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Olympia-Tumwater, WA | 1 | $ 275,000 | $ 275,000 | $ 594,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 515,000 | $ 515,000 | $ 193,000 |
| Salem, OR | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 505,000 | $ 505,000 | $ 185,000 |
| Wichita Falls, TX | 1 | $ 225,000 | $ 225,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Tib, National Association in 2020
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 | 775 | $166,845,000 | $215,000 | $515,000 | $118,000 | $1,299,000 |
| Refinancing | 620 | $135,280,000 | $218,000 | $515,000 | $135,000 | $2,368,000 |
| Cash-out Refinancing | 366 | $72,820,000 | $198,000 | $515,000 | $112,000 | $704,000 |
| Other Purpose | 38 | $6,510,000 | $171,000 | $515,000 | $122,000 | $416,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,517 | $322,665,000 | $212,000 | $515,000 | $124,000 | $2,368,000 |
| Hispanic | 130 | $25,180,000 | $193,000 | $515,000 | $98,000 | $330,000 |
| Not Provided | 103 | $23,085,000 | $224,000 | $505,000 | $128,000 | $371,000 |
| Black or African American | 25 | $4,695,000 | $187,000 | $515,000 | $85,000 | $420,000 |
| Asian | 16 | $4,330,000 | $270,000 | $515,000 | $224,000 | $1,299,000 |
| American Indian or Alaskan Native | 8 | $1,500,000 | $187,000 | $495,000 | $96,000 | $297,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,721 | $368,775,000 | $214,000 | $515,000 | $125,000 | $2,368,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $4,830,000 | $134,000 | $275,000 | $50,000 | $77,000 |
| FHA-insured (Federal Housing Administration) | 34 | $5,720,000 | $168,000 | $305,000 | $76,000 | $176,000 |
| VA-guaranteed (Veterans Administration) | 8 | $2,130,000 | $266,000 | $405,000 | $105,000 | $177,000 |
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 | 1,273 | $268,805,000 | $211,000 | $515,000 | $123,000 | $1,299,000 |
| Loan Purchased By The Institution | 314 | $66,030,000 | $210,000 | $505,000 | $0 | $0 |
| Application Denied By Financial Institution | 128 | $27,770,000 | $216,000 | $515,000 | $84,000 | $300,000 |
| Application Withdrawn By Applicant | 67 | $15,715,000 | $234,000 | $515,000 | $195,000 | $2,368,000 |
| Application Approved But Not Accepted | 17 | $3,135,000 | $184,000 | $355,000 | $153,000 | $749,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,671 | $353,685,000 | $211,000 | $515,000 | $126,000 | $2,368,000 |
| Credit Application Incomplete | 48 | $10,090,000 | $210,000 | $515,000 | $113,000 | $300,000 |
| Debt-To-Income Ratio | 41 | $10,495,000 | $255,000 | $515,000 | $47,000 | $157,000 |
| Collateral | 26 | $4,730,000 | $181,000 | $405,000 | $90,000 | $198,000 |
| Other | 6 | $1,190,000 | $198,000 | $385,000 | $94,000 | $207,000 |
| Credit History | 4 | $660,000 | $165,000 | $235,000 | $99,000 | $144,000 |
| Employment History | 2 | $540,000 | $270,000 | $405,000 | $45,000 | $91,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $65,000 | $65,000 | $65,000 | $44,000 | $44,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tib, National Association's 2020 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, National Association'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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