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| $5,279,183,286,000 in Mortgage Loans Applied for in 2007 from 26,605,695 Applications |
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LINCOLN FEDERAL SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
LINCOLN FEDERAL SAVINGS BANK |
| Address | 1101 N STREET
LINCOLN, NE 68508 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2007 |
| Data Years (click a year for detail) | 2003 2004 2005 2006 2007 |
| Total Number of Mortgage Loan Applications Processed | 730 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $104,059,000 |
| Average Mortgage Loan Amount Applied For | $144,025 |
| Highest Mortgage Loan Amount Applied For | $1,920,000 |
| Average Applicant Income | $79,375 |
| Highest Applicant Income | $884,000 |
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| Home Improvement |
25 | $2,347,000 |
$93,000 | $280,000 |
$69,000 | $164,000 |
| Home Purchase |
467 | $62,912,000 |
$134,000 | $1,920,000 |
$72,000 | $884,000 |
| Refinancing |
238 | $38,800,000 |
$163,000 | $1,275,000 |
$79,000 | $362,000 |
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| American Indian or Alaskan Native |
3 | $236,000 |
$78,000 | $87,000 |
$30,000 | $38,000 |
| Asian |
18 | $2,605,000 |
$144,000 | $350,000 |
$60,000 | $243,000 |
| Black or African American |
6 | $839,000 |
$139,000 | $229,000 |
$62,000 | $96,000 |
| Hispanic |
14 | $1,441,000 |
$102,000 | $148,000 |
$51,000 | $112,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $30,000 |
$30,000 | $30,000 |
$44,000 | $44,000 |
| Not applicable |
12 | $4,327,000 |
$360,000 | $1,920,000 |
$110,000 | $179,000 |
| Not Provided |
7 | $890,000 |
$127,000 | $216,000 |
$55,000 | $76,000 |
| White |
669 | $93,691,000 |
$140,000 | $1,813,000 |
$75,000 | $884,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
691 | $100,298,000 |
$145,000 | $1,920,000 |
$76,000 | $884,000 |
| FHA-insured (Federal Housing Administration) |
30 | $2,451,000 |
$81,000 | $199,000 |
$37,000 | $70,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
9 | $1,310,000 |
$145,000 | $251,000 |
$63,000 | $110,000 |
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| Application Approved But Not Accepted |
41 | $5,114,000 |
$124,000 | $350,000 |
$61,000 | $243,000 |
| Application Denied By Financial Institution |
50 | $6,118,000 |
$122,000 | $509,000 |
$69,000 | $362,000 |
| Application Withdrawn By Applicant |
13 | $1,899,000 |
$146,000 | $450,000 |
$61,000 | $163,000 |
| File Closed For Incompleteness |
4 | $782,000 |
$195,000 | $288,000 |
$37,000 | $80,000 |
| Loan Originated |
622 | $90,146,000 |
$144,000 | $1,920,000 |
$76,000 | $884,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
6 | $1,612,000 |
$268,000 | $509,000 |
$101,000 | $362,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
24 | $2,199,000 |
$91,000 | $216,000 |
$39,000 | $89,000 |
| Debt-To-Income Ratio |
12 | $1,165,000 |
$97,000 | $218,000 |
$35,000 | $84,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
8 | $1,142,000 |
$142,000 | $337,000 |
$184,000 | $204,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for LINCOLN FEDERAL SAVINGS BANK by:
Metropolitan Area And
County
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