TIB at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
8th29.5% deniedPricingmedian rate spread over APOR, weight 30%
49th0.28 ptsProcesswithdrawn + incomplete share, weight 15%
85th3.0%Closing coststotal loan costs ÷ loan amount, weight 10%
22nd2.82% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 244 | 191 | 16.0% | 16.7% | 6.88% | $49M |
| 2024 | 296 | 225 | 20.3% | 20.9% | 6.75% | $58M |
| 2025 | 335 | 226 | 28.7% | 29.5% | 6.50% | $61M |
What TIB lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 12 manufactured homes, 8 investment properties.
Why TIB denies applications
Primary reason reported for each of the 96 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at TIB
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 28 | 13 | 50.0% |
| $50k – $100k | 127 | 85 | 29.5% |
| $100k – $150k | 95 | 69 | 24.7% |
| $150k – $250k | 59 | 44 | 23.7% |
| Over $250k | 23 | 15 | 31.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 38 | 26 | 31.6% |
| 25–34 | 91 | 63 | 26.4% |
| 35–44 | 77 | 57 | 25.0% |
| 45–54 | 44 | 28 | 25.0% |
| 55–64 | 40 | 22 | 43.6% |
| 65–74 | 28 | 18 | 35.7% |
Where TIB lends
17 states and 130 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 152 | 106 | 27.0% | 6.56% | #472 |
| Louisiana | 46 | 38 | 13.0% | 6.38% | #256 |
| Arkansas | 34 | 28 | 11.8% | 6.25% | #233 |
| Oklahoma | 34 | 18 | 41.2% | 6.50% | #288 |
| New Mexico | 28 | 16 | 42.9% | 6.50% | #179 |
| Indiana | 9 | 6 | 22.2% | 6.44% | #566 |
| Florida | 5 | 1 | 80.0% | 6.38% | #1,110 |
| Washington | 5 | 4 | 20.0% | 6.38% | #524 |
Frequently asked questions
TIB denied 29.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of small mortgage lenders.
The most common reason TIB gave in 2025 was "other", cited on 44.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans TIB originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.28 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 72% of its applications were for home purchases, 28% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 73% conventional, 15% FHA, 7% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.