Tib, National Association Mortgage Lending & HMDA Data, 2023
In 2023, Tib, National Association of Farmers Branch, TX reported 575 mortgage applications totaling $207.6 million, up 35% from 2022. The average application was for $360,965, and applicants reported an average income of $143,452. 33% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (28), Dallas-Plano-Irving, TX (21) and Tyler, TX (19) (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 | 575 |
| Total Mortgage Loan Application Amount | $207,555,000 |
| Average Mortgage Loan Application Amount | $360,965 |
| Highest Mortgage Loan Application Amount | $3,745,000 |
| Average Applicant Income | $143,452 |
| Highest Applicant Income | $1,662,000 |
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records Tib, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 141 | $ 35,565,000 | $ 252,234 | $ 114,570 |
| Los Angeles-Long Beach-Glendale, CA | 28 | $ 16,400,000 | $ 585,714 | $ 0 |
| Dallas-Plano-Irving, TX | 21 | $ 7,245,000 | $ 345,000 | $ 145,000 |
| Tyler, TX | 19 | $ 5,325,000 | $ 280,263 | $ 181,000 |
| Waco, TX | 16 | $ 4,590,000 | $ 286,875 | $ 104,000 |
| Phoenix-Mesa-Scottsdale, AZ | 14 | $ 5,700,000 | $ 407,142 | $ 353,000 |
| Riverside-San Bernardino-Ontario, CA | 13 | $ 5,315,000 | $ 408,846 | $ 0 |
| Lafayette, LA | 12 | $ 3,300,000 | $ 275,000 | $ 169,000 |
| Alexandria, LA | 11 | $ 2,085,000 | $ 189,545 | $ 86,000 |
| San Diego-Carlsbad, CA | 11 | $ 6,475,000 | $ 588,636 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 9 | $ 9,455,000 | $ 1,050,555 | $ 0 |
| Denver-Aurora-Lakewood, CO | 9 | $ 4,135,000 | $ 459,444 | $ 0 |
| Seattle-Bellevue-Everett, WA | 9 | $ 6,905,000 | $ 767,222 | $ 215,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 3,610,000 | $ 451,250 | $ 0 |
| McAllen-Edinburg-Mission, TX | 8 | $ 2,520,000 | $ 315,000 | $ 312,000 |
| Fort Worth-Arlington, TX | 7 | $ 1,295,000 | $ 185,000 | $ 125,000 |
| Houston-The Woodlands-Sugar Land, TX | 7 | $ 2,395,000 | $ 342,142 | $ 181,000 |
| Las Vegas-Henderson-Paradise, NV | 7 | $ 1,955,000 | $ 279,285 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 8,595,000 | $ 1,227,857 | $ 0 |
| Tulsa, OK | 7 | $ 3,405,000 | $ 486,428 | $ 328,000 |
| Amarillo, TX | 5 | $ 1,275,000 | $ 255,000 | $ 139,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 1,555,000 | $ 311,000 | $ 286,000 |
| New Orleans-Metairie, LA | 5 | $ 1,195,000 | $ 239,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 5 | $ 2,135,000 | $ 427,000 | $ 0 |
| San Antonio-New Braunfels, TX | 5 | $ 1,305,000 | $ 261,000 | $ 357,000 |
| Wichita Falls, TX | 5 | $ 1,135,000 | $ 227,000 | $ 0 |
| College Station-Bryan, TX | 4 | $ 680,000 | $ 170,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 1,430,000 | $ 357,500 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 870,000 | $ 217,500 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,960,000 | $ 490,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 2,350,000 | $ 587,500 | $ 0 |
| Oklahoma City, OK | 4 | $ 1,380,000 | $ 345,000 | $ 177,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 720,000 | $ 180,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 2,570,000 | $ 642,500 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 1,730,000 | $ 432,500 | $ 0 |
| Providence-Warwick, RI-MA | 4 | $ 770,000 | $ 192,500 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 3,920,000 | $ 980,000 | $ 0 |
| Tacoma-Lakewood, WA | 4 | $ 1,830,000 | $ 457,500 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,010,000 | $ 252,500 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 4 | $ 1,420,000 | $ 355,000 | $ 0 |
| Columbus, OH | 3 | $ 445,000 | $ 148,333 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 1,345,000 | $ 448,333 | $ 0 |
| Houma-Thibodaux, LA | 3 | $ 695,000 | $ 231,666 | $ 232,000 |
| Killeen-Temple, TX | 3 | $ 645,000 | $ 215,000 | $ 145,000 |
| Lubbock, TX | 3 | $ 445,000 | $ 148,333 | $ 131,000 |
| Pine Bluff, AR | 3 | $ 795,000 | $ 265,000 | $ 117,000 |
| Port St. Lucie, FL | 3 | $ 345,000 | $ 115,000 | $ 0 |
| San Rafael, CA | 3 | $ 3,105,000 | $ 1,035,000 | $ 0 |
| Shreveport-Bossier City, LA | 3 | $ 635,000 | $ 211,666 | $ 98,000 |
| Springfield, MO | 3 | $ 775,000 | $ 258,333 | $ 113,000 |
| Austin-Round Rock, TX | 2 | $ 1,300,000 | $ 650,000 | $ 155,000 |
| Brownsville-Harlingen, TX | 2 | $ 580,000 | $ 290,000 | $ 178,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 950,000 | $ 475,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 690,000 | $ 345,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 640,000 | $ 320,000 | $ 0 |
| Fresno, CA | 2 | $ 910,000 | $ 455,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 260,000 | $ 130,000 | $ 0 |
| Las Cruces, NM | 2 | $ 600,000 | $ 300,000 | $ 176,000 |
| Little Rock-North Little Rock-Conway, AR | 2 | $ 560,000 | $ 280,000 | $ 99,000 |
| Longview, TX | 2 | $ 400,000 | $ 200,000 | $ 73,000 |
| Manchester-Nashua, NH | 2 | $ 340,000 | $ 170,000 | $ 0 |
| Missoula, MT | 2 | $ 780,000 | $ 390,000 | $ 83,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,090,000 | $ 545,000 | $ 0 |
| Ocala, FL | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Panama City, FL | 2 | $ 930,000 | $ 465,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 2 | $ 590,000 | $ 295,000 | $ 0 |
| Prescott Valley-Prescott, AZ | 2 | $ 1,160,000 | $ 580,000 | $ 0 |
| Rockingham County-Strafford County, NH | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Salt Lake City, UT | 2 | $ 1,080,000 | $ 540,000 | $ 0 |
| San Angelo, TX | 2 | $ 870,000 | $ 435,000 | $ 115,000 |
| Sherman-Denison, TX | 2 | $ 910,000 | $ 455,000 | $ 75,000 |
| St. Louis, MO-IL | 2 | $ 230,000 | $ 115,000 | $ 111,000 |
| Tucson, AZ | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Abilene, TX | 1 | $ 225,000 | $ 225,000 | $ 163,000 |
| Albany, OR | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 225,000 | $ 225,000 | $ 73,000 |
| Bellingham, WA | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Boston, MA | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Boulder, CO | 1 | $ 1,095,000 | $ 1,095,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Camden, NJ | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Chico, CA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 365,000 | $ 365,000 | $ 119,000 |
| Colorado Springs, CO | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Corpus Christi, TX | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Corvallis, OR | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Dalton, GA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| El Paso, TX | 1 | $ 205,000 | $ 205,000 | $ 52,000 |
| Fort Collins, CO | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Hanford-Corcoran, CA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Jacksonville, FL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Jefferson City, MO | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Kennewick-Richland, WA | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Lake Charles, LA | 1 | $ 115,000 | $ 115,000 | $ 123,000 |
| Lakeland-Winter Haven, FL | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Logan, UT-ID | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 135,000 | $ 135,000 | $ 0 |
| New Haven-Milford, CT | 1 | $ 205,000 | $ 205,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 205,000 | $ 205,000 | $ 0 |
| New York-Newark, NY | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Peoria, IL | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Philadelphia, PA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Reno, NV | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Richmond, VA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Salinas, CA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Santa Fe, NM | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Spokane-Spokane Valley, WA | 1 | $ 525,000 | $ 525,000 | $ 132,000 |
| St. George, UT | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Stockton-Lodi, CA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Trenton, NJ | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 245,000 | $ 245,000 | $ 0 |
Mortgage Loan Application Detail Totals for Tib, National Association in 2023
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 | 258 | $68,530,000 | $265,000 | $1,765,000 | $136,000 | $1,662,000 |
| Cash-out Refinancing | 246 | $117,640,000 | $478,000 | $3,745,000 | $147,000 | $357,000 |
| Refinancing | 40 | $12,450,000 | $311,000 | $1,825,000 | $153,000 | $380,000 |
| Other Purpose | 31 | $8,935,000 | $288,000 | $735,000 | $165,000 | $353,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 286 | $130,740,000 | $457,000 | $3,745,000 | $0 | $0 |
| White | 200 | $53,070,000 | $265,000 | $1,765,000 | $144,000 | $1,662,000 |
| Hispanic | 58 | $13,450,000 | $231,000 | $695,000 | $119,000 | $462,000 |
| Not Provided | 15 | $4,805,000 | $320,000 | $635,000 | $177,000 | $353,000 |
| Black or African American | 8 | $2,640,000 | $330,000 | $705,000 | $105,000 | $155,000 |
| Asian | 5 | $1,865,000 | $373,000 | $485,000 | $188,000 | $360,000 |
| American Indian or Alaskan Native | 2 | $620,000 | $310,000 | $495,000 | $91,000 | $135,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 458 | $180,280,000 | $393,000 | $3,745,000 | $168,000 | $1,662,000 |
| FHA-insured (Federal Housing Administration) | 64 | $13,460,000 | $210,000 | $465,000 | $89,000 | $209,000 |
| VA-guaranteed (Veterans Administration) | 28 | $9,740,000 | $347,000 | $695,000 | $127,000 | $450,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $4,075,000 | $163,000 | $285,000 | $61,000 | $94,000 |
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 | 331 | $142,865,000 | $431,000 | $3,745,000 | $0 | $0 |
| Loan Originated | 191 | $48,775,000 | $255,000 | $705,000 | $132,000 | $1,021,000 |
| Application Denied By Financial Institution | 39 | $10,055,000 | $257,000 | $1,005,000 | $132,000 | $659,000 |
| Application Withdrawn By Applicant | 10 | $4,160,000 | $416,000 | $1,765,000 | $268,000 | $1,662,000 |
| Application Approved But Not Accepted | 4 | $1,700,000 | $425,000 | $635,000 | $180,000 | $353,000 |
| 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 | 536 | $197,500,000 | $368,000 | $3,745,000 | $140,000 | $1,662,000 |
| Credit Application Incomplete | 20 | $6,660,000 | $333,000 | $1,005,000 | $172,000 | $659,000 |
| Collateral | 7 | $1,415,000 | $202,000 | $425,000 | $108,000 | $298,000 |
| Other | 5 | $1,075,000 | $215,000 | $315,000 | $112,000 | $176,000 |
| Debt-To-Income Ratio | 4 | $610,000 | $152,000 | $245,000 | $39,000 | $76,000 |
| Credit History | 3 | $295,000 | $98,000 | $115,000 | $78,000 | $84,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tib, National Association's 2023 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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