Applications / Mortgage Analytics / Lenders / Texas / TIB
Farmers Branch, TX · National bank · OCC · $3.0 billion assets · 226 loans in 2025
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226
loans originated, 2025
335
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TIB, once named TIB The Independent Bankersbank, buys loans as well as making them and leans far more on government-backed lending than similar national banks.
It bought 128 loans in 2025 beside the 226 it made, more than almost all similar lenders (national banks making between half and twice as many loans), whose typical figure was 0. It bought 216 the year before. Its old name suggests a bank that serves other banks, which could explain the purchases.
Only 76.1% of its loans were conventional, lower than at nearly every similar lender. Loans insured by the Federal Housing Administration (FHA) were 12.8%, those guaranteed by the Department of Veterans Affairs (VA) 6.6% and those guaranteed by the Department of Agriculture's Rural Housing Service (RHS) 4.4%. The typical similar lender made none of these. None of its loans was higher-priced.
Its largest markets are non-metro Texas, where it ranked 153 of 831, and non-metro Arkansas, 110 of 459. Of its loans, 24.3% were in majority-minority neighborhoods, against 7.3% at similar lenders, but only 8.9% in low- and moderate-income neighborhoods, against 16.1%. Spread across 15 states and 103 counties, its loans may follow the banks and places it serves rather than one home market.
It made 226 loans, flat on last year's 225, against 1,273 in 2020. Volume fell sharply in 2021 and 2022 and has held near this level since.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. TIB took 335 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.5% · Refinance 26.5%
Conventional 76.1% · FHA 12.8% · VA 6.6% · USDA (RHS or FSA) 4.4% · of 226 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 106 | 46.9% |
| Louisiana | 38 | 16.8% |
| Arkansas | 28 | 12.4% |
| Oklahoma | 18 | 8.0% |
| New Mexico | 16 | 7.1% |
| Indiana | 6 | 2.7% |
| Washington | 4 | 1.8% |
| Missouri | 2 | 0.9% |
| Montana | 2 | 0.9% |
| Arizona | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette | 12 |
| Tyler | 10 |
| Alexandria | 8 |
| Dallas-Plano-Irving | 7 |
| Oklahoma City | 7 |
| Houma-Bayou Cane-Thibodaux | 5 |
| Houston-Pasadena-The Woodlands | 4 |
| Amarillo | 3 |
| College Station-Bryan | 3 |
| Everett | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KW705BBINDIZ26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 529958 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2529958 | 1990–2016 |
| Respondent ID (the HMDA filer code before 2018) | 125143 | 2017–2017 |
Established 21 January 1982. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: TIB's data.
TIB's data
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