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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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TIERONE BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
TIERONE BANK |
| Address | 1235 "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 | 6,672 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $599,132,000 |
| Average Mortgage Loan Amount Applied For | $80,867 |
| Highest Mortgage Loan Amount Applied For | $1,790,000 |
| Average Applicant Income | $58,720 |
| Highest Applicant Income | $1,857,000 |
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| Home Improvement |
1,304 | $24,989,000 |
$19,000 | $417,000 |
$63,000 | $1,179,000 |
| Home Purchase |
3,416 | $347,688,000 |
$101,000 | $1,500,000 |
$63,000 | $1,832,000 |
| Refinancing |
1,952 | $226,455,000 |
$116,000 | $1,790,000 |
$80,000 | $1,857,000 |
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| American Indian or Alaskan Native |
19 | $2,047,000 |
$107,000 | $285,000 |
$93,000 | $644,000 |
| Asian |
52 | $6,314,000 |
$121,000 | $400,000 |
$63,000 | $461,000 |
| Black or African American |
109 | $10,030,000 |
$92,000 | $500,000 |
$55,000 | $180,000 |
| Hispanic |
230 | $20,139,000 |
$87,000 | $713,000 |
$58,000 | $437,000 |
| Native Hawaiin or Other Pacific Islander |
4 | $653,000 |
$163,000 | $315,000 |
$37,000 | $62,000 |
| Not applicable |
75 | $11,052,000 |
$147,000 | $1,500,000 |
$39,000 | $960,000 |
| Not Provided |
649 | $34,632,000 |
$53,000 | $574,000 |
$68,000 | $1,585,000 |
| White |
5,534 | $514,265,000 |
$92,000 | $1,790,000 |
$69,000 | $1,857,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
6,536 | $583,460,000 |
$89,000 | $1,790,000 |
$68,000 | $1,857,000 |
| FHA-insured (Federal Housing Administration) |
85 | $9,146,000 |
$107,000 | $201,000 |
$58,000 | $271,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
9 | $917,000 |
$101,000 | $166,000 |
$47,000 | $75,000 |
| VA-guaranteed (Veterans Administration) |
42 | $5,609,000 |
$133,000 | $330,000 |
$64,000 | $234,000 |
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| Application Approved But Not Accepted |
863 | $65,353,000 |
$75,000 | $360,000 |
$58,000 | $419,000 |
| Application Denied By Financial Institution |
980 | $49,881,000 |
$50,000 | $713,000 |
$53,000 | $1,200,000 |
| Application Withdrawn By Applicant |
234 | $22,781,000 |
$97,000 | $340,000 |
$65,000 | $310,000 |
| File Closed For Incompleteness |
52 | $5,904,000 |
$113,000 | $400,000 |
$99,000 | $1,857,000 |
| Loan Originated |
4,523 | $451,435,000 |
$99,000 | $1,790,000 |
$73,000 | $1,832,000 |
| Loan Purchased By The Institution |
20 | $3,778,000 |
$188,000 | $383,000 |
$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 |
56 | $2,993,000 |
$53,000 | $700,000 |
$83,000 | $1,200,000 |
| Credit Application Incomplete |
5 | $533,000 |
$106,000 | $265,000 |
$63,000 | $86,000 |
| Credit History |
516 | $22,173,000 |
$42,000 | $378,000 |
$51,000 | $401,000 |
| Debt-To-Income Ratio |
237 | $15,377,000 |
$64,000 | $713,000 |
$46,000 | $231,000 |
| Employment History |
41 | $2,592,000 |
$63,000 | $179,000 |
$54,000 | $177,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
9 | $550,000 |
$61,000 | $174,000 |
$41,000 | $74,000 |
| Mortgage Insurance Denied |
1 | $78,000 |
$78,000 | $78,000 |
$21,000 | $21,000 |
| Other |
104 | $4,762,000 |
$45,000 | $199,000 |
$62,000 | $687,000 |
| Unverifiable Information |
11 | $823,000 |
$74,000 | $309,000 |
$49,000 | $140,000 |
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Mortgage Loan App Totals for TIERONE BANK by:
Metropolitan Area And
County
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