# TIB National Association

> **Canonical URL:** https://saferate.com/lenders/tib-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


TIB National Association is a bank, headquartered in Farmers Branch, TX, serving borrowers across 16 states, with 206 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 73% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300KW705BBINDIZ26
- **Headquarters:** Farmers Branch, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 16
- **State List:** AR, AZ, GA, IA, IL, IN, KS, LA, MN, MO, MT, NM, OK, RI, TX, WA
- **Markets (MSAs):** 3
- **Primary Channel:** wholesale
- **Direct Origination:** 2.2%
- **Brokered/Wholesale:** 97.8%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.511%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,353
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 206
- **Dollar Volume:** $51 million
- **Applications Received:** 271
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $249,660
- **Average Borrower Income:** $131,893
- **Average Property Value:** $359,417

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 147 | +0.485% | $2,704 | Sound ☺️ |
| FHA | 55/100 | 35 | +0.776% | $1,660 | Sound ☺️ |
| USDA | 50/100 | 16 | +0.289% | $827 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 112 loans, Score: 32/100 (Acceptable)
- Refinance: 35 loans, Score: 38/100 (Acceptable)

**FHA:**
- Purchase: 32 loans, Score: 55/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 168 | $44M | +0.491% | Acceptable 🙂 |
| Refinance | 35/100 | 38 | $8M | +0.597% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 115 | 0.03% | 64/100 |
| LA | 33 | 0.09% | 56/100 |
| OK | 13 | 0.03% | 45/100 |
| NM | 12 | 0.06% | 45/100 |
| AR | 11 | 0.03% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 118 | 61/100 |
| Houma | LA | 14 | 55/100 |
| Dallas | TX | 13 | 44/100 |

## Where This Lender Ranks

TIB National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Houma for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/houma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Houma for Conventional Loans
  - [View Full Rankings](https://saferate.com/houma/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does TIB National Association offer?

TIB National Association offers the following mortgage loan types: FHA, Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TIB National Association offer mortgages?

TIB National Association offers mortgages in 16 states: AR, AZ, GA, IA, IL, IN, KS, LA, MN, MO, MT, NM, OK, RI, TX, WA.

### How competitive are TIB National Association's mortgage rates?

TIB National Association has a pricing score of 27/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.511% above market average.

### What type of lender is TIB National Association?

TIB National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Farmers Branch, TX.

### What is TIB National Association's loan approval success rate?

TIB National Association has a pull-through score of 53/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/tib-national-association

### How to Cite

> "TIB National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/tib-national-association

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