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TIB National Association
Bank|Farmers Branch, TX|Multi-Region
Loans Originated
206
Applications
271
Volume
$51 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.511%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,353
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
76.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Rates typically 51 basis points above market average
Report Card
TIB National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Sound | Industry Standard | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 3 metro areas · 16 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$249,660
Average Borrower Income
$131,893
Average Property Value
$359,417
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Strong | 147 | 71.4% | +0.485% | $2,704 |
FHA Loans | Sound | Sound | Sound | Strong | 35 | 17.0% | +0.776% | $1,660 |
USDA Loans | Sound | Sound | N/A | Sound | 16 | 7.8% | +0.289% | $827 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Acceptable | Acceptable | 168 | 81.6% | +0.491% | $2,314 |
Refinance | Acceptable | Acceptable | Mediocre | Sound | 38 | 18.4% | +0.597% | $2,519 |
Geographic Coverage
Metro Areas
2
States Served
16
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ARAZGAIAILINKSLAMNMOMTNMOKRITXWA
Top Metro Areas by Place Specialization Score
1
Houma, LAMSA
Volume: 14Mix: 6.80%
Place Specialization
Sound
2
Dallas, TXMSA
Volume: 13Mix: 6.31%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 115Mix: 55.83%
Place Specialization
Strong
2
LAState
Volume: 33Mix: 16.02%
Place Specialization
Sound
3
NMState
Volume: 12Mix: 5.83%
Place Specialization
Sound
4
OKState
Volume: 13Mix: 6.31%
Place Specialization
Sound
5
ARState
Volume: 11Mix: 5.34%
Place Specialization
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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