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TIB National Association

BankFarmers Branch, TXDirect to Consumer

Tib National Association has 206 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
FHA · Conventional · USDA
Place
Sound
Multi-Region · 2 mkts

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Safe Rate's Summary

Things to Think About

  • Rates typically 51 basis points above market average

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Report Card

TIB National Association performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+51.1 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Sound
Industry Standard
Top 60% of lenders
USDA
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Multi-Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Acceptable
Strong
14771.4%
+0.485%Above
$2,704Fees
FHA Loans
Sound
Sound
Sound
Strong
3517.0%
+0.776%Above
$1,660Fees
USDA Loans
Sound
Sound
Sound
167.8%
+0.289%Above
$827Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Acceptable
Acceptable
Acceptable
Acceptable
16881.6%
+0.491%Above
$2,314Fees
Refinance
Acceptable
Acceptable
Mediocre
Sound
3818.4%
+0.597%Above
$2,519Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
206
Applications
271
Volume
$51 million
Pricing & Closing
Avg Rate Spread
+0.511%
vs. market APOR
Avg Net Fees
$2,353
Origination − Credits
Pullthrough Rate
76.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$249,660
Avg Borrower Income
$131,893
Avg Property Value
$359,417

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
16
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

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Top Metro Areas by Place Specialization Score

1
Houma, LAMSA
Volume: 14Mix: 6.80%of portfolio
Place
Sound
2
Dallas, TXMSA
Volume: 13Mix: 6.31%of portfolio
Place
Sound

Top States by Place Specialization Score

1
TXState
Volume: 115Mix: 55.83%of portfolio
Place
Strong
2
LAState
Volume: 33Mix: 16.02%of portfolio
Place
Sound
3
NMState
Volume: 12Mix: 5.83%of portfolio
Place
Sound
4
OKState
Volume: 13Mix: 6.31%of portfolio
Place
Sound
5
ARState
Volume: 11Mix: 5.34%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.