Tierone Bank Mortgage Lending & HMDA Data, 2009

In 2009, Tierone Bank of Lincoln, NE reported 8,536 mortgage applications totaling $1.1 billion, up 52% from 2008. The average application was for $127,327, and applicants reported an average income of $82,759. 79% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (2,474), Lincoln, NE (1,987) and Minneapolis-St. Paul-Bloomington, MN-WI (117) (applications in parentheses).

Mortgage Company & Address Tierone Bank
1235 "N" Street
Lincoln, NE 68508
Tel #: available with data download
Federal Regulator * available with data download
Years 2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 8,536
Total Mortgage Loan Application Amount $1,086,870,000
Average Mortgage Loan Application Amount $127,327
Highest Mortgage Loan Application Amount $3,500,000
Average Applicant Income $82,759
Highest Applicant Income $5,017,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Tierone Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Tierone Bank by County in 2009

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Lancaster, Nebraska 1,893 $ 269,221,000 $ 142,219 $ 86,000
Douglas, Nebraska 1,386 $ 190,753,000 $ 137,628 $ 109,000
Sarpy, Nebraska 595 $ 83,454,000 $ 140,258 $ 88,000
Platte, Nebraska 318 $ 41,792,000 $ 131,421 $ 72,000
Hall, Nebraska 306 $ 32,780,000 $ 107,124 $ 69,000
Adams, Nebraska 269 $ 30,614,000 $ 113,806 $ 79,000
Buffalo, Nebraska 268 $ 34,454,000 $ 128,559 $ 68,000
Hamilton, Nebraska 198 $ 23,328,000 $ 117,818 $ 75,000
Pottawattamie, Iowa 180 $ 14,344,000 $ 79,688 $ 68,000
Dawson, Nebraska 159 $ 11,896,000 $ 74,817 $ 70,000
Lincoln, Nebraska 146 $ 14,822,000 $ 101,520 $ 70,000
Phelps, Nebraska 138 $ 10,772,000 $ 78,057 $ 66,000
York, Nebraska 131 $ 17,440,000 $ 133,129 $ 84,000
Washington, Nebraska 95 $ 15,377,000 $ 161,863 $ 88,000
Seward, Nebraska 94 $ 12,029,000 $ 127,968 $ 76,000
Saunders, Nebraska 87 $ 12,200,000 $ 140,229 $ 108,000
Gage, Nebraska 80 $ 10,715,000 $ 133,937 $ 83,000
Otoe, Nebraska 74 $ 8,651,000 $ 116,905 $ 64,000
Holt, Nebraska 69 $ 7,015,000 $ 101,666 $ 72,000
Cass, Nebraska 65 $ 9,785,000 $ 150,538 $ 89,000
Saline, Nebraska 65 $ 5,721,000 $ 88,015 $ 61,000
Custer, Nebraska 59 $ 5,063,000 $ 85,813 $ 53,000
Scotts Bluff, Nebraska 59 $ 5,131,000 $ 86,966 $ 60,000
Polk, Nebraska 55 $ 5,099,000 $ 92,709 $ 73,000
Merrick, Nebraska 54 $ 6,408,000 $ 118,666 $ 70,000
Cedar, Nebraska 53 $ 5,782,000 $ 109,094 $ 71,000
Howard, Nebraska 52 $ 4,681,000 $ 90,019 $ 66,000
Boone, Missouri 50 $ 8,220,000 $ 164,400 $ 27,000
Valley, Nebraska 49 $ 4,564,000 $ 93,142 $ 65,000
Mills, Iowa 47 $ 4,003,000 $ 85,170 $ 68,000
Dakota, Nebraska 47 $ 4,794,000 $ 102,000 $ 62,000
Hennepin, Minnesota 46 $ 10,511,000 $ 228,500 $ 104,000
Cuming, Nebraska 43 $ 6,115,000 $ 142,209 $ 92,000
Richardson, Nebraska 43 $ 1,539,000 $ 35,790 $ 49,000
Colfax, Nebraska 40 $ 4,006,000 $ 100,150 $ 69,000
Williamson, Illinois 36 $ 4,978,000 $ 138,277 $ 86,000
Page, Iowa 34 $ 1,418,000 $ 41,705 $ 59,000
Johnson, Kansas 34 $ 6,788,000 $ 199,647 $ 73,000
Dodge, Nebraska 32 $ 2,077,000 $ 64,906 $ 66,000
Kearney, Nebraska 32 $ 3,463,000 $ 108,218 $ 56,000
Madison, Nebraska 31 $ 2,997,000 $ 96,677 $ 60,000
Butler, Nebraska 28 $ 3,393,000 $ 121,178 $ 69,000
Wayne, Nebraska 27 $ 2,709,000 $ 100,333 $ 77,000
Cheyenne, Nebraska 26 $ 2,540,000 $ 97,692 $ 66,000
Garfield, Nebraska 26 $ 1,529,000 $ 58,807 $ 45,000
Clay, Nebraska 25 $ 2,122,000 $ 84,880 $ 70,000
Woodbury, Iowa 24 $ 2,670,000 $ 111,250 $ 83,000
Dixon, Nebraska 24 $ 2,895,000 $ 120,625 $ 79,000
Montgomery, Iowa 22 $ 766,000 $ 34,818 $ 52,000
Harlan, Nebraska 20 $ 1,490,000 $ 74,500 $ 48,000
Knox, Nebraska 20 $ 1,864,000 $ 93,200 $ 83,000
Red Willow, Nebraska 20 $ 869,000 $ 43,450 $ 49,000
Harrison, Iowa 19 $ 1,595,000 $ 83,947 $ 79,000
Box Butte, Nebraska 19 $ 1,653,000 $ 87,000 $ 71,000
Jackson, Missouri 18 $ 3,642,000 $ 202,333 $ 77,000
Nemaha, Nebraska 18 $ 1,594,000 $ 88,555 $ 64,000
Boone, Nebraska 17 $ 1,587,000 $ 93,352 $ 64,000
Maricopa, Arizona 15 $ 4,763,000 $ 317,533 $ 202,000
Greene, Missouri 15 $ 2,945,000 $ 196,333 $ 65,000
Chase, Nebraska 15 $ 1,602,000 $ 106,800 $ 87,000
Fillmore, Nebraska 15 $ 1,041,000 $ 69,400 $ 51,000
Gosper, Nebraska 15 $ 1,838,000 $ 122,533 $ 75,000
Douglas, Kansas 14 $ 2,685,000 $ 191,785 $ 73,000
Marshall, Kansas 14 $ 1,026,000 $ 73,285 $ 57,000
Wright, Minnesota 14 $ 3,090,000 $ 220,714 $ 114,000
Keith, Nebraska 14 $ 1,920,000 $ 137,142 $ 84,000
Sherman, Nebraska 14 $ 1,079,000 $ 77,071 $ 51,000
Cass, Iowa 13 $ 725,000 $ 55,769 $ 47,000
Anoka, Minnesota 13 $ 1,953,000 $ 150,230 $ 50,000
Dakota, Minnesota 13 $ 1,850,000 $ 142,307 $ 77,000
Olmsted, Minnesota 13 $ 2,519,000 $ 193,769 $ 82,000
Furnas, Nebraska 13 $ 954,000 $ 73,384 $ 58,000
Pierce, Nebraska 13 $ 1,243,000 $ 95,615 $ 60,000
Jefferson, Nebraska 11 $ 920,000 $ 83,636 $ 70,000
Thayer, Nebraska 11 $ 589,000 $ 53,545 $ 38,000
Tripp, South Dakota 11 $ 924,000 $ 84,000 $ 67,000
Carver, Minnesota 10 $ 2,471,000 $ 247,100 $ 139,000
Antelope, Nebraska 10 $ 1,067,000 $ 106,700 $ 81,000
Franklin, Nebraska 10 $ 466,000 $ 46,600 $ 47,000
Johnson, Nebraska 10 $ 786,000 $ 78,600 $ 40,000
Nuckolls, Nebraska 10 $ 730,000 $ 73,000 $ 56,000
Gregory, South Dakota 10 $ 866,000 $ 86,600 $ 42,000
Jackson, Illinois 8 $ 1,108,000 $ 138,500 $ 90,000
Monroe, Illinois 8 $ 1,681,000 $ 210,125 $ 62,000
Greeley, Nebraska 8 $ 696,000 $ 87,000 $ 47,000
Perkins, Nebraska 8 $ 736,000 $ 92,000 $ 115,000
Charles Mix, South Dakota 8 $ 1,006,000 $ 125,750 $ 65,000
Fremont, Iowa 7 $ 693,000 $ 99,000 $ 62,000
Ramsey, Minnesota 7 $ 1,085,000 $ 155,000 $ 104,000
Burt, Nebraska 7 $ 448,000 $ 64,000 $ 56,000
Webster, Nebraska 7 $ 375,000 $ 53,571 $ 51,000
Washington, Minnesota 6 $ 1,691,000 $ 281,833 $ 134,000
Hitchcock, Nebraska 6 $ 56,000 $ 9,333 $ 64,000
Kimball, Nebraska 6 $ 592,000 $ 98,666 $ 77,000
Larimer, Colorado 5 $ 919,000 $ 183,800 $ 133,000
Polk, Iowa 5 $ 4,031,000 $ 806,200 $ 120,000
Miami, Kansas 5 $ 995,000 $ 199,000 $ 19,000
Platte, Missouri 5 $ 1,167,000 $ 233,400 $ 46,000
St. Louis, Missouri 5 $ 1,110,000 $ 222,000 $ 95,000
Morrill, Nebraska 5 $ 248,000 $ 49,600 $ 69,000
Nance, Nebraska 5 $ 483,000 $ 96,600 $ 56,000
Rock, Nebraska 5 $ 431,000 $ 86,200 $ 50,000
Clark, Nevada 5 $ 1,722,000 $ 344,400 $ 175,000
Plymouth, Iowa 4 $ 278,000 $ 69,500 $ 49,000
Brown, Kansas 4 $ 192,000 $ 48,000 $ 31,000
Sedgwick, Kansas 4 $ 781,000 $ 195,250 $ 63,000
Cass, Minnesota 4 $ 960,000 $ 240,000 $ 162,000
Cape Girardeau, Missouri 4 $ 170,000 $ 42,500 $ 36,000
Taney, Missouri 4 $ 628,000 $ 157,000 $ 173,000
Deuel, Nebraska 4 $ 328,000 $ 82,000 $ 60,000
Stanton, Nebraska 4 $ 407,000 $ 101,750 $ 59,000
Thurston, Nebraska 4 $ 338,000 $ 84,500 $ 70,000
Denver, Colorado 3 $ 616,000 $ 205,333 $ 236,000
St. Clair, Illinois 3 $ 485,000 $ 161,666 $ 28,000
Scott, Minnesota 3 $ 691,000 $ 230,333 $ 105,000
Sherburne, Minnesota 3 $ 600,000 $ 200,000 $ 104,000
Wabasha, Minnesota 3 $ 495,000 $ 165,000 $ 53,000
Camden, Missouri 3 $ 706,000 $ 235,333 $ 330,000
Cass, Missouri 3 $ 648,000 $ 216,000 $ 44,000
Brown, Nebraska 3 $ 267,000 $ 89,000 $ 80,000
Dundy, Nebraska 3 $ 34,000 $ 11,333 $ 58,000
Frontier, Nebraska 3 $ 288,000 $ 96,000 $ 92,000
Albany, Wyoming 3 $ 1,020,000 $ 340,000 $ 125,000
Laramie, Wyoming 3 $ 833,000 $ 277,666 $ 137,000
Cochise, Arizona 2 $ 172,000 $ 86,000 $ 65,000
Douglas, Colorado 2 $ 695,000 $ 347,500 $ 252,000
El Paso, Colorado 2 $ 517,000 $ 258,500 $ 87,000
Jefferson, Colorado 2 $ 774,000 $ 387,000 $ 156,000
Pueblo, Colorado 2 $ 174,000 $ 87,000 $ 80,000
Summit, Colorado 2 $ 634,000 $ 317,000 $ 212,000
Orange, Florida 2 $ 972,000 $ 486,000 $ 204,000
Franklin, Illinois 2 $ 322,000 $ 161,000 $ 107,000
Madison, Illinois 2 $ 331,000 $ 165,500 $ 113,000
Perry, Illinois 2 $ 139,000 $ 69,500 $ 80,000
Union, Illinois 2 $ 138,000 $ 69,000 $ 69,000
Crawford, Iowa 2 $ 15,000 $ 7,500 $ 81,000
Monona, Iowa 2 $ 86,000 $ 43,000 $ 30,000
Shelby, Iowa 2 $ 84,000 $ 42,000 $ 56,000
Sioux, Iowa 2 $ 217,000 $ 108,500 $ 41,000
Shawnee, Kansas 2 $ 237,000 $ 118,500 $ 57,000
Morrison, Minnesota 2 $ 473,000 $ 236,500 $ 63,000
St. Louis, Minnesota 2 $ 308,000 $ 154,000 $ 30,000
Barry, Missouri 2 $ 340,000 $ 170,000 $ 87,000
Cooper, Missouri 2 $ 226,000 $ 113,000 $ 105,000
Crawford, Missouri 2 $ 337,000 $ 168,500 $ 98,000
Jasper, Missouri 2 $ 362,000 $ 181,000 $ 25,000
St. Charles, Missouri 2 $ 342,000 $ 171,000 $ 127,000
Boyd, Nebraska 2 $ 159,000 $ 79,500 $ 74,000
Cherry, Nebraska 2 $ 312,000 $ 156,000 $ 49,000
Loup, Nebraska 2 $ 344,000 $ 172,000 $ 106,000
Pawnee, Nebraska 2 $ 19,000 $ 9,500 $ 27,000
Goshen, Wyoming 2 $ 317,000 $ 158,500 $ 63,000
Pima, Arizona 1 $ 161,000 $ 161,000 $ 50,000
Orange, California 1 $ 417,000 $ 417,000 $ 300,000
Riverside, California 1 $ 417,000 $ 417,000 $ 180,000
Adams, Colorado 1 $ 220,000 $ 220,000 $ 102,000
Garfield, Colorado 1 $ 127,000 $ 127,000 $ 105,000
Grand, Colorado 1 $ 225,000 $ 225,000 $ 78,000
Park, Colorado 1 $ 94,000 $ 94,000 $ 0
Washington, Colorado 1 $ 90,000 $ 90,000 $ 24,000
Weld, Colorado 1 $ 99,000 $ 99,000 $ 24,000
Hillsborough, Florida 1 $ 300,000 $ 300,000 $ 109,000
Palm Beach, Florida 1 $ 417,000 $ 417,000 $ 300,000
Pinellas, Florida 1 $ 135,000 $ 135,000 $ 237,000
Cobb, Georgia 1 $ 105,000 $ 105,000 $ 135,000
DeKalb, Georgia 1 $ 200,000 $ 200,000 $ 209,000
Alexander, Illinois 1 $ 184,000 $ 184,000 $ 61,000
Johnson, Illinois 1 $ 235,000 $ 235,000 $ 84,000
Massac, Illinois 1 $ 154,000 $ 154,000 $ 60,000
Randolph, Illinois 1 $ 65,000 $ 65,000 $ 24,000
White, Illinois 1 $ 42,000 $ 42,000 $ 62,000
Boone, Indiana 1 $ 194,000 $ 194,000 $ 119,000
Tippecanoe, Indiana 1 $ 50,000 $ 50,000 $ 57,000
Adams, Iowa 1 $ 1,000 $ 1,000 $ 32,000
Buena Vista, Iowa 1 $ 180,000 $ 180,000 $ 119,000
Dickinson, Iowa 1 $ 128,000 $ 128,000 $ 87,000
Muscatine, Iowa 1 $ 128,000 $ 128,000 $ 63,000
Ringgold, Iowa 1 $ 68,000 $ 68,000 $ 36,000
Scott, Iowa 1 $ 125,000 $ 125,000 $ 47,000
Warren, Iowa 1 $ 81,000 $ 81,000 $ 28,000
Winneshiek, Iowa 1 $ 162,000 $ 162,000 $ 71,000
Chase, Kansas 1 $ 185,000 $ 185,000 $ 139,000
Franklin, Kansas 1 $ 84,000 $ 84,000 $ 0
Jefferson, Kansas 1 $ 128,000 $ 128,000 $ 55,000
Nemaha, Kansas 1 $ 225,000 $ 225,000 $ 53,000
Republic, Kansas 1 $ 6,000 $ 6,000 $ 50,000
Saline, Kansas 1 $ 151,000 $ 151,000 $ 48,000
Chippewa, Michigan 1 $ 417,000 $ 417,000 $ 284,000
Aitkin, Minnesota 1 $ 96,000 $ 96,000 $ 155,000
Crow Wing, Minnesota 1 $ 399,000 $ 399,000 $ 100,000
Dodge, Minnesota 1 $ 243,000 $ 243,000 $ 61,000
Isanti, Minnesota 1 $ 233,000 $ 233,000 $ 96,000
Itasca, Minnesota 1 $ 196,000 $ 196,000 $ 84,000
Lincoln, Minnesota 1 $ 130,000 $ 130,000 $ 27,000
McLeod, Minnesota 1 $ 204,000 $ 204,000 $ 92,000
Meeker, Minnesota 1 $ 185,000 $ 185,000 $ 0
Mower, Minnesota 1 $ 120,000 $ 120,000 $ 55,000
Otter Tail, Minnesota 1 $ 164,000 $ 164,000 $ 127,000
Rice, Minnesota 1 $ 178,000 $ 178,000 $ 65,000
Stearns, Minnesota 1 $ 284,000 $ 284,000 $ 69,000
Winona, Minnesota 1 $ 248,000 $ 248,000 $ 69,000
Atchison, Missouri 1 $ 55,000 $ 55,000 $ 95,000
Audrain, Missouri 1 $ 242,000 $ 242,000 $ 84,000
Callaway, Missouri 1 $ 31,000 $ 31,000 $ 132,000
Christian, Missouri 1 $ 417,000 $ 417,000 $ 0
Dallas, Missouri 1 $ 104,000 $ 104,000 $ 44,000
Daviess, Missouri 1 $ 273,000 $ 273,000 $ 314,000
Laclede, Missouri 1 $ 11,000 $ 11,000 $ 166,000
Linn, Missouri 1 $ 240,000 $ 240,000 $ 146,000
Moniteau, Missouri 1 $ 134,000 $ 134,000 $ 0
Morgan, Missouri 1 $ 130,000 $ 130,000 $ 127,000
Phelps, Missouri 1 $ 128,000 $ 128,000 $ 127,000
Stone, Missouri 1 $ 132,000 $ 132,000 $ 194,000
Blaine, Nebraska 1 $ 28,000 $ 28,000 $ 54,000
Grant, Nebraska 1 $ 28,000 $ 28,000 $ 49,000
Hayes, Nebraska 1 $ 15,000 $ 15,000 $ 41,000
Hooker, Nebraska 1 $ 65,000 $ 65,000 $ 95,000
Logan, Nebraska 1 $ 5,000 $ 5,000 $ 26,000
Thomas, Nebraska 1 $ 125,000 $ 125,000 $ 56,000
Wheeler, Nebraska 1 $ 127,000 $ 127,000 $ 65,000
Colfax, New Mexico 1 $ 417,000 $ 417,000 $ 549,000
Santa Fe, New Mexico 1 $ 256,000 $ 256,000 $ 281,000
Cabarrus, North Carolina 1 $ 675,000 $ 675,000 $ 142,000
Franklin, North Carolina 1 $ 160,000 $ 160,000 $ 38,000
Warren, Ohio 1 $ 219,000 $ 219,000 $ 80,000
Clackamas, Oregon 1 $ 328,000 $ 328,000 $ 98,000
Allegheny, Pennsylvania 1 $ 417,000 $ 417,000 $ 450,000
Northampton, Pennsylvania 1 $ 192,000 $ 192,000 $ 87,000
Kershaw, South Carolina 1 $ 164,000 $ 164,000 $ 14,000
McCormick, South Carolina 1 $ 204,000 $ 204,000 $ 78,000
Orangeburg, South Carolina 1 $ 321,000 $ 321,000 $ 129,000
Brookings, South Dakota 1 $ 191,000 $ 191,000 $ 57,000
Brule, South Dakota 1 $ 180,000 $ 180,000 $ 93,000
Jones, South Dakota 1 $ 82,000 $ 82,000 $ 43,000
Lake, South Dakota 1 $ 160,000 $ 160,000 $ 140,000
Meade, South Dakota 1 $ 266,000 $ 266,000 $ 63,000
Mellette, South Dakota 1 $ 34,000 $ 34,000 $ 29,000
Union, South Dakota 1 $ 181,000 $ 181,000 $ 55,000
Yankton, South Dakota 1 $ 263,000 $ 263,000 $ 62,000
Harris, Texas 1 $ 236,000 $ 236,000 $ 68,000
Travis, Texas 1 $ 417,000 $ 417,000 $ 300,000
Arlington, Virginia 1 $ 417,000 $ 417,000 $ 300,000
Adams, Washington 1 $ 150,000 $ 150,000 $ 136,000
Douglas, Wisconsin 1 $ 260,000 $ 260,000 $ 156,000
Sheboygan, Wisconsin 1 $ 195,000 $ 195,000 $ 117,000
St. Croix, Wisconsin 1 $ 160,000 $ 160,000 $ 39,000
Vilas, Wisconsin 1 $ 205,000 $ 205,000 $ 78,000
Uinta, Wyoming 1 $ 296,000 $ 296,000 $ 98,000

Mortgage Loan Application Detail Totals for Tierone Bank in 2009

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 5,411 $819,703,000 $151,000 $3,500,000 $93,000 $5,017,000
Home Purchase 2,112 $258,094,000 $122,000 $810,000 $66,000 $1,689,000
Home Improvement 1,013 $9,073,000 $8,000 $130,000 $63,000 $337,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 7,311 $970,895,000 $132,000 $3,500,000 $85,000 $5,017,000
Not Provided 789 $70,812,000 $89,000 $417,000 $76,000 $1,415,000
Hispanic 234 $20,435,000 $87,000 $417,000 $57,000 $525,000
Asian 76 $10,410,000 $136,000 $417,000 $72,000 $480,000
Black or African American 68 $6,121,000 $90,000 $675,000 $68,000 $152,000
Not applicable 43 $6,752,000 $157,000 $985,000 $70,000 $1,147,000
American Indian or Alaskan Native 12 $1,226,000 $102,000 $296,000 $53,000 $134,000
Native Hawaiian or Other Pacific Islander 3 $219,000 $73,000 $117,000 $45,000 $55,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 7,376 $954,203,000 $129,000 $3,500,000 $88,000 $5,017,000
FHA-insured (Federal Housing Administration) 799 $96,182,000 $120,000 $296,000 $56,000 $332,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 257 $20,597,000 $80,000 $212,000 $39,000 $95,000
VA-guaranteed (Veterans Administration) 104 $15,888,000 $152,000 $417,000 $63,000 $190,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 6,707 $903,390,000 $134,000 $1,000,000 $88,000 $5,017,000
Application Denied By Financial Institution 904 $56,563,000 $62,000 $417,000 $63,000 $1,689,000
Application Approved But Not Accepted 568 $67,966,000 $119,000 $417,000 $79,000 $864,000
Loan Purchased By The Institution 137 $24,892,000 $181,000 $417,000 $0 $0
Application Withdrawn By Applicant 122 $16,757,000 $137,000 $3,500,000 $71,000 $300,000
File Closed For Incompleteness 98 $17,302,000 $176,000 $810,000 $93,000 $841,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Credit History 306 $10,806,000 $35,000 $334,000 $57,000 $864,000
Debt-To-Income Ratio 304 $18,751,000 $61,000 $417,000 $53,000 $337,000
Other 122 $14,601,000 $119,000 $417,000 $82,000 $811,000
Collateral 102 $5,195,000 $50,000 $280,000 $67,000 $268,000
Unverifiable Information 27 $1,733,000 $64,000 $408,000 $68,000 $150,000
Employment History 19 $2,018,000 $106,000 $235,000 $59,000 $234,000
Insufficient Cash (Downpayment, Closing Cost) 12 $1,567,000 $130,000 $369,000 $186,000 $1,689,000
Mortgage Insurance Denied 12 $1,892,000 $157,000 $361,000 $76,000 $223,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Tierone Bank's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Tierone Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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