Tierone Bank Mortgage Lending & HMDA Data, 2006

In 2006, Tierone Bank of Lincoln, NE reported 6,624 mortgage applications totaling $536.8 million, up 6% from 2005. The average application was for $81,034, and applicants reported an average income of $63,642. 64% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (1,705), Lincoln, NE (1,028) and Baton Rouge, LA (48) (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 6,624
Total Mortgage Loan Application Amount $536,775,000
Average Mortgage Loan Application Amount $81,034
Highest Mortgage Loan Application Amount $16,150,000
Average Applicant Income $63,642
Highest Applicant Income $1,216,000

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Act (HMDA) records Tierone Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Metropolitan Area in 2006

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 1,705 $ 152,444,000 $ 89,409 $ 71,713
Lincoln, NE 1,028 $ 101,741,000 $ 98,969 $ 75,000
Baton Rouge, LA 48 $ 2,259,000 $ 47,062 $ 50,000
New Orleans-Metairie-Kenner, LA 47 $ 2,117,000 $ 45,042 $ 49,000
Sioux City, IA-NE-SD 47 $ 6,543,000 $ 139,212 $ 102,468
Lake Charles, LA 33 $ 1,412,000 $ 42,787 $ 50,000
Minneapolis-St. Paul-Bloomington, MN-WI 33 $ 3,292,000 $ 99,757 $ 111,000
Alexandria, LA 30 $ 1,301,000 $ 43,366 $ 49,000
Houma-Bayou Cane-Thibodaux, LA 29 $ 1,546,000 $ 53,310 $ 48,000
Lafayette, LA 25 $ 1,122,000 $ 44,880 $ 41,000
Birmingham-Hoover, AL 23 $ 1,530,000 $ 66,521 $ 50,000
Jacksonville, FL 22 $ 1,911,000 $ 86,863 $ 54,000
Tulsa, OK 22 $ 1,236,000 $ 56,181 $ 49,000
Little Rock-North Little Rock, AR 20 $ 910,000 $ 45,500 $ 41,000
Kansas City, MO-KS 19 $ 2,946,000 $ 155,052 $ 143,631
Monroe, LA 19 $ 673,000 $ 35,421 $ 47,000
Dothan, AL 17 $ 863,000 $ 50,764 $ 46,000
Fort Smith, AR-OK 16 $ 904,000 $ 56,500 $ 52,312
Pine Bluff, AR 16 $ 587,000 $ 36,687 $ 34,000
Shreveport-Bossier City, LA 14 $ 748,000 $ 53,428 $ 51,000
Des Moines-West Des Moines, IA 13 $ 1,852,000 $ 142,461 $ 160,000
Tuscaloosa, AL 13 $ 978,000 $ 75,230 $ 57,000
Fayetteville-Springdale-Rogers, AR-MO 12 $ 640,000 $ 53,333 $ 35,000
Los Angeles-Long Beach-Glendale, CA 12 $ 899,000 $ 74,916 $ 57,000
Riverside-San Bernardino-Ontario, CA 12 $ 795,000 $ 66,250 $ 50,000
Phoenix-Mesa-Scottsdale, AZ 11 $ 833,000 $ 75,727 $ 77,000
Sacramento--Arden-Arcade--Roseville, CA 11 $ 936,000 $ 85,090 $ 53,000
Valdosta, GA 11 $ 573,000 $ 52,090 $ 52,000
Gulfport-Biloxi, MS 10 $ 600,000 $ 60,000 $ 48,000
Jackson, MS 10 $ 585,000 $ 58,500 $ 51,000
Oklahoma City, OK 10 $ 423,000 $ 42,300 $ 45,000
St. Louis, MO-IL 10 $ 858,000 $ 85,800 $ 61,200
Columbia, MO 9 $ 1,192,000 $ 132,444 $ 79,000
Montgomery, AL 9 $ 575,000 $ 63,888 $ 53,000
Albany, GA 8 $ 614,000 $ 76,750 $ 60,000
Charleston-North Charleston, SC 8 $ 590,000 $ 73,750 $ 73,000
Las Vegas-Paradise, NV 8 $ 950,000 $ 118,750 $ 72,000
Mobile, AL 8 $ 408,000 $ 51,000 $ 44,000
Ocala, FL 8 $ 655,000 $ 81,875 $ 38,000
Orlando-Kissimmee, FL 8 $ 422,000 $ 52,750 $ 45,000
Pensacola-Ferry Pass-Brent, FL 8 $ 473,000 $ 59,125 $ 67,000
Wilmington, NC 8 $ 487,000 $ 60,875 $ 38,000
Pascagoula, MS 7 $ 479,000 $ 68,428 $ 75,000
Bakersfield, CA 6 $ 415,000 $ 69,166 $ 57,000
Florence, SC 6 $ 320,000 $ 53,333 $ 42,000
Tampa-St. Petersburg-Clearwater, FL 6 $ 635,000 $ 105,833 $ 85,000
Austin-Round Rock, TX 4 $ 16,494,000 $ 4,123,500 $ 65,000
Boulder, CO 4 $ 162,000 $ 40,500 $ 45,000
Cape Coral-Fort Myers, FL 4 $ 488,000 $ 122,000 $ 94,000
Charleston, WV 4 $ 195,000 $ 48,750 $ 46,000
Florence-Muscle Shoals, AL 4 $ 202,000 $ 50,500 $ 40,000
Fort Collins-Loveland, CO 4 $ 754,000 $ 188,500 $ 55,000
Fort Walton Beach-Crestview-Destin, FL 4 $ 259,000 $ 64,750 $ 47,000
Hot Springs, AR 4 $ 133,000 $ 33,250 $ 43,000
Jacksonville, NC 4 $ 187,000 $ 46,750 $ 38,000
Raleigh-Cary, NC 4 $ 219,000 $ 54,750 $ 72,000
San Jose-Sunnyvale-Santa Clara, CA 4 $ 270,000 $ 67,500 $ 51,000
Santa Ana-Anaheim-Irvine, CA 4 $ 394,000 $ 98,500 $ 86,000
Springfield, MO 4 $ 451,000 $ 112,750 $ 54,000
Topeka, KS 4 $ 206,000 $ 51,500 $ 25,000
Wichita, KS 4 $ 270,000 $ 67,500 $ 59,000
Anderson, SC 3 $ 93,000 $ 31,000 $ 16,000
Anniston-Oxford, AL 3 $ 229,000 $ 76,333 $ 49,000
Charlotte-Gastonia-Concord, NC-SC 3 $ 103,000 $ 34,333 $ 49,000
Decatur, AL 3 $ 222,000 $ 74,000 $ 51,000
Denver-Aurora, CO 3 $ 77,000 $ 25,666 $ 36,000
Fayetteville, NC 3 $ 248,000 $ 82,666 $ 34,000
Hattiesburg, MS 3 $ 135,000 $ 45,000 $ 34,000
Huntington-Ashland, WV-KY-OH 3 $ 161,000 $ 53,666 $ 34,333
Johnson City, TN 3 $ 264,000 $ 88,000 $ 39,000
Jonesboro, AR 3 $ 131,000 $ 43,666 $ 41,000
Lakeland, FL 3 $ 204,000 $ 68,000 $ 37,000
Macon, GA 3 $ 229,000 $ 76,333 $ 37,000
Memphis, TN-MS-AR 3 $ 133,000 $ 44,333 $ 43,000
Naples-Marco Island, FL 3 $ 221,000 $ 73,666 $ 47,000
Portland-Vancouver-Beaverton, OR-WA 3 $ 633,000 $ 211,000 $ 158,000
Rochester, MN 3 $ 112,000 $ 37,333 $ 56,000
Rocky Mount, NC 3 $ 162,000 $ 54,000 $ 38,000
Tacoma, WA 3 $ 168,000 $ 56,000 $ 48,000
Virginia Beach-Norfolk-Newport News, VA-NC 3 $ 135,000 $ 45,000 $ 45,000
Albany-Schenectady-Troy, NY 2 $ 118,000 $ 59,000 $ 57,000
Albuquerque, NM 2 $ 117,000 $ 58,500 $ 32,000
Atlanta-Sandy Springs-Marietta, GA 2 $ 83,000 $ 41,500 $ 31,000
Billings, MT 2 $ 88,000 $ 44,000 $ 224,000
Brunswick, GA 2 $ 180,000 $ 90,000 $ 54,000
Cedar Rapids, IA 2 $ 235,000 $ 117,500 $ 60,000
Chattanooga, TN-GA 2 $ 90,000 $ 45,000 $ 36,000
Chicago-Naperville-Joliet, IL 2 $ 338,000 $ 169,000 $ 136,000
Gainesville, FL 2 $ 183,000 $ 91,500 $ 51,000
Hinesville-Fort Stewart, GA 2 $ 142,000 $ 71,000 $ 33,000
Joplin, MO 2 $ 59,000 $ 29,500 $ 51,000
Las Cruces, NM 2 $ 51,000 $ 25,500 $ 47,000
Lawton, OK 2 $ 78,000 $ 39,000 $ 49,000
Louisville-Jefferson County, KY-IN 2 $ 72,000 $ 36,000 $ 64,000
Myrtle Beach-Conway-North Myrtle Beach, SC 2 $ 116,000 $ 58,000 $ 35,000
Olympia, WA 2 $ 86,000 $ 43,000 $ 35,000
Oxnard-Thousand Oaks-Ventura, CA 2 $ 331,000 $ 165,500 $ 91,000
Port St. Lucie-Fort Pierce, FL 2 $ 84,000 $ 42,000 $ 117,000
Reno-Sparks, NV 2 $ 70,000 $ 35,000 $ 77,000
Richmond, VA 2 $ 87,000 $ 43,500 $ 30,000
Rochester, NY 2 $ 138,000 $ 69,000 $ 25,000
Rome, GA 2 $ 67,000 $ 33,500 $ 31,000
San Diego-Carlsbad-San Marcos, CA 2 $ 236,000 $ 118,000 $ 59,000
Santa Fe, NM 2 $ 92,000 $ 46,000 $ 49,000
Sioux Falls, SD 2 $ 174,000 $ 87,000 $ 87,000
Spartanburg, SC 2 $ 111,000 $ 55,500 $ 32,000
Tallahassee, FL 2 $ 51,000 $ 25,500 $ 32,000
Akron, OH 1 $ 46,000 $ 46,000 $ 46,000
Amarillo, TX 1 $ 71,000 $ 71,000 $ 103,000
Asheville, NC 1 $ 56,000 $ 56,000 $ 46,000
Athens-Clarke County, GA 1 $ 53,000 $ 53,000 $ 19,000
Auburn-Opelika, AL 1 $ 39,000 $ 39,000 $ 32,000
Augusta-Richmond County, GA-SC 1 $ 36,000 $ 36,000 $ 73,000
Binghamton, NY 1 $ 35,000 $ 35,000 $ 27,000
Burlington, NC 1 $ 24,000 $ 24,000 $ 26,000
Cincinnati-Middletown, OH-KY-IN 1 $ 107,000 $ 107,000 $ 40,000
Cleveland, TN 1 $ 76,000 $ 76,000 $ 34,000
Cleveland-Elyria-Mentor, OH 1 $ 69,000 $ 69,000 $ 71,000
Colorado Springs, CO 1 $ 155,000 $ 155,000 $ 0
Columbus, OH 1 $ 80,000 $ 80,000 $ 33,000
Davenport-Moline-Rock Island, IA-IL 1 $ 65,000 $ 65,000 $ 93,000
Deltona-Daytona Beach-Ormond Beach, FL 1 $ 15,000 $ 15,000 $ 36,000
Elkhart-Goshen, IN 1 $ 60,000 $ 60,000 $ 30,000
Eugene-Springfield, OR 1 $ 48,000 $ 48,000 $ 52,000
Flint, MI 1 $ 40,000 $ 40,000 $ 43,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 1 $ 45,000 $ 45,000 $ 58,000
Gadsden, AL 1 $ 73,000 $ 73,000 $ 44,000
Gainesville, GA 1 $ 32,000 $ 32,000 $ 79,000
Glens Falls, NY 1 $ 111,000 $ 111,000 $ 92,000
Goldsboro, NC 1 $ 40,000 $ 40,000 $ 47,000
Grand Forks, ND-MN 1 $ 82,000 $ 82,000 $ 72,000
Greeley, CO 1 $ 23,000 $ 23,000 $ 56,000
Greenville, SC 1 $ 68,000 $ 68,000 $ 41,000
Harrisonburg, VA 1 $ 68,000 $ 68,000 $ 25,000
Huntsville, AL 1 $ 76,000 $ 76,000 $ 43,000
Iowa City, IA 1 $ 125,000 $ 125,000 $ 75,000
Jackson, TN 1 $ 42,000 $ 42,000 $ 41,000
Jefferson City, MO 1 $ 185,000 $ 185,000 $ 75,000
Killeen-Temple-Fort Hood, TX 1 $ 35,000 $ 35,000 $ 94,000
Kingsport-Bristol-Bristol, TN-VA 1 $ 71,000 $ 71,000 $ 40,000
Lawrence, KS 1 $ 117,000 $ 117,000 $ 78,000
Lexington-Fayette, KY 1 $ 71,000 $ 71,000 $ 48,000
Lynchburg, VA 1 $ 52,000 $ 52,000 $ 18,000
Miami-Miami Beach-Kendall, FL 1 $ 6,000 $ 6,000 $ 83,000
Morristown, TN 1 $ 69,000 $ 69,000 $ 34,000
Mount Vernon-Anacortes, WA 1 $ 67,000 $ 67,000 $ 29,000
Nashville-Davidson--Murfreesboro, TN 1 $ 20,000 $ 20,000 $ 120,000
Oakland-Fremont-Hayward, CA 1 $ 128,000 $ 128,000 $ 102,000
Ogden-Clearfield, UT 1 $ 98,000 $ 98,000 $ 48,000
Pocatello, ID 1 $ 35,000 $ 35,000 $ 30,000
Provo-Orem, UT 1 $ 18,000 $ 18,000 $ 37,000
Santa Barbara-Santa Maria, CA 1 $ 171,000 $ 171,000 $ 88,000
Santa Rosa-Petaluma, CA 1 $ 63,000 $ 63,000 $ 26,000
Savannah, GA 1 $ 68,000 $ 68,000 $ 62,000
Seattle-Bellevue-Everett, WA 1 $ 48,000 $ 48,000 $ 46,000
St. Joseph, MO-KS 1 $ 17,000 $ 17,000 $ 33,000
Terre Haute, IN 1 $ 109,000 $ 109,000 $ 45,000
Texarkana, Tx-Texarkana, AR 1 $ 58,000 $ 58,000 $ 42,000
Tyler, TX 1 $ 76,000 $ 76,000 $ 40,000
Utica-Rome, NY 1 $ 88,000 $ 88,000 $ 71,000
Vallejo-Fairfield, CA 1 $ 131,000 $ 131,000 $ 60,000
West Palm Beach-Boca Raton-Boynton Beach, FL 1 $ 41,000 $ 41,000 $ 45,000

Mortgage Loan Application Detail Totals for Tierone Bank in 2006

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
Home Purchase 3,487 $312,224,000 $89,000 $6,200,000 $59,000 $1,216,000
Refinancing 1,841 $176,908,000 $96,000 $1,500,000 $75,000 $572,000
Home Improvement 1,296 $47,643,000 $36,000 $16,150,000 $60,000 $420,000

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 5,326 $420,648,000 $78,000 $1,100,000 $64,000 $1,216,000
Not Provided 739 $26,490,000 $35,000 $528,000 $62,000 $586,000
Hispanic 234 $15,097,000 $64,000 $350,000 $53,000 $508,000
Black or African American 140 $8,236,000 $58,000 $357,000 $47,000 $155,000
Not applicable 100 $58,862,000 $588,000 $16,150,000 $116,000 $416,000
Asian 50 $4,458,000 $89,000 $376,000 $57,000 $255,000
American Indian or Alaskan Native 31 $2,644,000 $85,000 $373,000 $51,000 $213,000
Native Hawaiian or Other Pacific Islander 4 $340,000 $85,000 $135,000 $61,000 $100,000

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) 6,470 $519,157,000 $80,000 $16,150,000 $63,000 $1,216,000
FHA-insured (Federal Housing Administration) 81 $8,540,000 $105,000 $199,000 $65,000 $558,000
VA-guaranteed (Veterans Administration) 58 $8,023,000 $138,000 $303,000 $60,000 $163,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 15 $1,055,000 $70,000 $138,000 $39,000 $66,000

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 4,223 $393,362,000 $93,000 $16,150,000 $69,000 $1,216,000
Application Denied By Financial Institution 1,019 $49,281,000 $48,000 $6,200,000 $48,000 $288,000
Application Approved But Not Accepted 874 $44,709,000 $51,000 $348,000 $53,000 $414,000
Application Withdrawn By Applicant 477 $45,858,000 $96,000 $604,000 $67,000 $430,000
File Closed For Incompleteness 22 $2,165,000 $98,000 $240,000 $49,000 $327,000
Loan Purchased By The Institution 9 $1,400,000 $155,000 $213,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

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 535 $26,526,000 $49,000 $6,200,000 $47,000 $288,000
Other 243 $9,653,000 $39,000 $750,000 $50,000 $136,000
Debt-To-Income Ratio 171 $10,667,000 $62,000 $521,000 $43,000 $276,000
Collateral 44 $1,363,000 $30,000 $489,000 $59,000 $191,000
Employment History 23 $984,000 $42,000 $92,000 $39,000 $117,000
Insufficient Cash (Downpayment, Closing Cost) 3 $88,000 $29,000 $40,000 $43,000 $51,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Tierone Bank's 2006 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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