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Act (HMDA) records Tierone Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Omaha-Council Bluffs, NE-IA | 2,474 | $ 331,511,000 | $ 133,997 | $ 98,718 |
| Lincoln, NE | 1,987 | $ 281,250,000 | $ 141,545 | $ 85,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 117 | $ 24,335,000 | $ 207,991 | $ 100,470 |
| Sioux City, IA-NE-SD | 96 | $ 10,540,000 | $ 109,791 | $ 71,614 |
| Kansas City, MO-KS | 66 | $ 13,324,000 | $ 201,878 | $ 65,181 |
| Columbia, MO | 50 | $ 8,220,000 | $ 164,400 | $ 27,000 |
| St. Louis, MO-IL | 20 | $ 3,949,000 | $ 197,450 | $ 76,700 |
| Rochester, MN | 17 | $ 3,257,000 | $ 191,588 | $ 76,000 |
| Springfield, MO | 17 | $ 3,466,000 | $ 203,882 | $ 60,000 |
| Phoenix-Mesa-Scottsdale, AZ | 15 | $ 4,763,000 | $ 317,533 | $ 202,000 |
| Lawrence, KS | 14 | $ 2,685,000 | $ 191,785 | $ 73,000 |
| Denver-Aurora-Broomfield, CO | 9 | $ 2,399,000 | $ 266,555 | $ 181,000 |
| Des Moines-West Des Moines, IA | 6 | $ 4,112,000 | $ 685,333 | $ 104,000 |
| Cape Girardeau-Jackson, MO-IL | 5 | $ 354,000 | $ 70,800 | $ 41,000 |
| Fort Collins-Loveland, CO | 5 | $ 919,000 | $ 183,800 | $ 133,000 |
| Las Vegas-Paradise, NV | 5 | $ 1,722,000 | $ 344,400 | $ 175,000 |
| Wichita, KS | 4 | $ 781,000 | $ 195,250 | $ 63,000 |
| Cheyenne, WY | 3 | $ 833,000 | $ 277,666 | $ 137,000 |
| Duluth, MN-WI | 3 | $ 568,000 | $ 189,333 | $ 72,000 |
| Topeka, KS | 3 | $ 365,000 | $ 121,666 | $ 56,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 305,000 | $ 152,500 | $ 172,000 |
| Colorado Springs, CO | 2 | $ 517,000 | $ 258,500 | $ 87,000 |
| Jefferson City, MO | 2 | $ 165,000 | $ 82,500 | $ 66,000 |
| Joplin, MO | 2 | $ 362,000 | $ 181,000 | $ 25,000 |
| Orlando-Kissimmee, FL | 2 | $ 972,000 | $ 486,000 | $ 204,000 |
| Pueblo, CO | 2 | $ 174,000 | $ 87,000 | $ 80,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 435,000 | $ 217,500 | $ 173,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 192,000 | $ 192,000 | $ 87,000 |
| Austin-Round Rock, TX | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 675,000 | $ 675,000 | $ 142,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 219,000 | $ 219,000 | $ 80,000 |
| Columbia, SC | 1 | $ 164,000 | $ 164,000 | $ 14,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Greeley, CO | 1 | $ 99,000 | $ 99,000 | $ 24,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 236,000 | $ 236,000 | $ 68,000 |
| Indianapolis-Carmel, IN | 1 | $ 194,000 | $ 194,000 | $ 119,000 |
| Lafayette, IN | 1 | $ 50,000 | $ 50,000 | $ 57,000 |
| Pittsburgh, PA | 1 | $ 417,000 | $ 417,000 | $ 450,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 328,000 | $ 328,000 | $ 98,000 |
| Raleigh-Cary, NC | 1 | $ 160,000 | $ 160,000 | $ 38,000 |
| Rapid City, SD | 1 | $ 266,000 | $ 266,000 | $ 63,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 417,000 | $ 417,000 | $ 180,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| Santa Fe, NM | 1 | $ 256,000 | $ 256,000 | $ 281,000 |
| Sheboygan, WI | 1 | $ 195,000 | $ 195,000 | $ 117,000 |
| St. Cloud, MN | 1 | $ 284,000 | $ 284,000 | $ 69,000 |
| Tucson, AZ | 1 | $ 161,000 | $ 161,000 | $ 50,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 417,000 | $ 417,000 | $ 300,000 |
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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