Tierone Bank Mortgage Lending & HMDA Data, 2008
In 2008, Tierone Bank of Lincoln, NE reported 5,623 mortgage applications totaling $679.1 million, down 16% from 2007. The average application was for $120,765, and applicants reported an average income of $76,372. 72% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (1,573), Lincoln, NE (1,046) and Minneapolis-St. Paul-Bloomington, MN-WI (105) (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 | 5,623 |
| Total Mortgage Loan Application Amount | $679,065,000 |
| Average Mortgage Loan Application Amount | $120,765 |
| Highest Mortgage Loan Application Amount | $37,889,000 |
| Average Applicant Income | $76,372 |
| Highest Applicant Income | $1,689,000 |
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Act (HMDA) records Tierone Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,573 | $ 172,562,000 | $ 109,702 | $ 85,128 |
| Lincoln, NE | 1,046 | $ 141,338,000 | $ 135,122 | $ 88,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 105 | $ 24,130,000 | $ 229,809 | $ 95,000 |
| Columbia, MO | 72 | $ 11,215,000 | $ 155,763 | $ 57,000 |
| Sioux City, IA-NE-SD | 64 | $ 6,708,000 | $ 104,812 | $ 68,968 |
| Kansas City, MO-KS | 43 | $ 8,803,000 | $ 204,720 | $ 74,046 |
| Rochester, MN | 33 | $ 6,268,000 | $ 189,939 | $ 79,000 |
| St. Louis, MO-IL | 21 | $ 3,129,000 | $ 149,000 | $ 71,476 |
| Phoenix-Mesa-Scottsdale, AZ | 20 | $ 5,780,000 | $ 289,000 | $ 133,000 |
| Cape Coral-Fort Myers, FL | 19 | $ 4,425,000 | $ 232,894 | $ 121,000 |
| Springfield, MO | 17 | $ 2,685,000 | $ 157,941 | $ 31,000 |
| Lawrence, KS | 10 | $ 1,754,000 | $ 175,400 | $ 45,000 |
| Jefferson City, MO | 7 | $ 1,213,000 | $ 173,285 | $ 102,000 |
| Topeka, KS | 7 | $ 1,365,000 | $ 195,000 | $ 108,000 |
| Denver-Aurora, CO | 5 | $ 1,756,000 | $ 351,200 | $ 142,000 |
| Orlando-Kissimmee, FL | 4 | $ 731,000 | $ 182,750 | $ 80,000 |
| Austin-Round Rock, TX | 3 | $ 1,086,000 | $ 362,000 | $ 1,166,000 |
| Des Moines-West Des Moines, IA | 3 | $ 880,000 | $ 293,333 | $ 107,000 |
| Fort Collins-Loveland, CO | 3 | $ 410,000 | $ 136,666 | $ 79,000 |
| Jacksonville, FL | 3 | $ 265,000 | $ 88,333 | $ 61,000 |
| Las Vegas-Paradise, NV | 3 | $ 38,239,000 | $ 12,746,333 | $ 36,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 297,000 | $ 99,000 | $ 140,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 439,000 | $ 146,333 | $ 70,000 |
| Casper, WY | 2 | $ 245,000 | $ 122,500 | $ 71,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 840,000 | $ 420,000 | $ 64,500 |
| Colorado Springs, CO | 2 | $ 162,000 | $ 81,000 | $ 106,000 |
| Green Bay, WI | 2 | $ 470,000 | $ 235,000 | $ 79,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 209,000 | $ 104,500 | $ 81,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 556,000 | $ 278,000 | $ 208,000 |
| Montgomery, AL | 2 | $ 208,000 | $ 104,000 | $ 62,000 |
| Oklahoma City, OK | 2 | $ 188,000 | $ 94,000 | $ 60,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 579,000 | $ 289,500 | $ 101,000 |
| Sioux Falls, SD | 2 | $ 298,000 | $ 149,000 | $ 78,000 |
| Wichita, KS | 2 | $ 178,000 | $ 89,000 | $ 86,000 |
| Albuquerque, NM | 1 | $ 110,000 | $ 110,000 | $ 78,000 |
| Alexandria, LA | 1 | $ 52,000 | $ 52,000 | $ 34,000 |
| Ames, IA | 1 | $ 234,000 | $ 234,000 | $ 46,000 |
| Asheville, NC | 1 | $ 498,000 | $ 498,000 | $ 60,000 |
| Bellingham, WA | 1 | $ 417,000 | $ 417,000 | $ 350,000 |
| Birmingham-Hoover, AL | 1 | $ 120,000 | $ 120,000 | $ 46,000 |
| Boulder, CO | 1 | $ 130,000 | $ 130,000 | $ 110,000 |
| Bradenton-Sarasota-Venice, FL | 1 | $ 271,000 | $ 271,000 | $ 48,000 |
| Brownsville-Harlingen, TX | 1 | $ 168,000 | $ 168,000 | $ 272,000 |
| Charleston, WV | 1 | $ 116,000 | $ 116,000 | $ 72,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 56,000 | $ 56,000 | $ 60,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 325,000 | $ 325,000 | $ 100,000 |
| Columbia, SC | 1 | $ 94,000 | $ 94,000 | $ 52,000 |
| Dallas-Plano-Irving, TX | 1 | $ 278,000 | $ 278,000 | $ 212,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 312,000 | $ 312,000 | $ 0 |
| Durham, NC | 1 | $ 92,000 | $ 92,000 | $ 54,000 |
| Eugene-Springfield, OR | 1 | $ 41,000 | $ 41,000 | $ 60,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 80,000 | $ 80,000 | $ 70,000 |
| Gainesville, FL | 1 | $ 140,000 | $ 140,000 | $ 65,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 186,000 | $ 186,000 | $ 98,000 |
| Indianapolis-Carmel, IN | 1 | $ 63,000 | $ 63,000 | $ 147,000 |
| Joplin, MO | 1 | $ 87,000 | $ 87,000 | $ 75,000 |
| Lake Charles, LA | 1 | $ 98,000 | $ 98,000 | $ 34,000 |
| Lakeland-Winter Haven, FL | 1 | $ 63,000 | $ 63,000 | $ 20,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 16,000 | $ 16,000 | $ 139,000 |
| Madison, WI | 1 | $ 312,000 | $ 312,000 | $ 60,000 |
| Memphis, TN-MS-AR | 1 | $ 83,000 | $ 83,000 | $ 36,000 |
| Monroe, LA | 1 | $ 49,000 | $ 49,000 | $ 32,000 |
| Morgantown, WV | 1 | $ 36,000 | $ 36,000 | $ 32,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 96,000 | $ 96,000 | $ 300,000 |
| Naples-Marco Island, FL | 1 | $ 216,000 | $ 216,000 | $ 149,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 82,000 | $ 82,000 | $ 48,000 |
| Owensboro, KY | 1 | $ 81,000 | $ 81,000 | $ 45,000 |
| Punta Gorda, FL | 1 | $ 316,000 | $ 316,000 | $ 104,000 |
| Rapid City, SD | 1 | $ 297,000 | $ 297,000 | $ 186,000 |
| Riverside-San Bernardino-Ontario, CA | 1 | $ 100,000 | $ 100,000 | $ 79,000 |
| Salt Lake City, UT | 1 | $ 400,000 | $ 400,000 | $ 604,000 |
| San Antonio, TX | 1 | $ 175,000 | $ 175,000 | $ 180,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 350,000 | $ 350,000 | $ 87,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| St. Cloud, MN | 1 | $ 224,000 | $ 224,000 | $ 101,000 |
| St. Joseph, MO-KS | 1 | $ 184,000 | $ 184,000 | $ 80,000 |
| Sumter, SC | 1 | $ 87,000 | $ 87,000 | $ 40,000 |
| Tallahassee, FL | 1 | $ 1,000,000 | $ 1,000,000 | $ 209,000 |
Mortgage Loan Application Detail Totals for Tierone Bank in 2008
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 | 2,498 | $372,630,000 | $149,000 | $4,138,000 | $84,000 | $1,689,000 |
| Home Purchase | 1,961 | $290,139,000 | $147,000 | $37,889,000 | $74,000 | $1,689,000 |
| Home Improvement | 1,164 | $16,296,000 | $14,000 | $606,000 | $64,000 | $816,000 |
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 | 4,718 | $547,070,000 | $115,000 | $1,000,000 | $78,000 | $1,689,000 |
| Not Provided | 553 | $46,345,000 | $83,000 | $911,000 | $72,000 | $398,000 |
| Hispanic | 173 | $13,743,000 | $79,000 | $889,000 | $63,000 | $508,000 |
| Asian | 64 | $8,570,000 | $133,000 | $495,000 | $89,000 | $450,000 |
| Not applicable | 57 | $58,070,000 | $1,018,000 | $37,889,000 | $17,000 | $225,000 |
| Black or African American | 47 | $4,084,000 | $86,000 | $344,000 | $63,000 | $265,000 |
| American Indian or Alaskan Native | 9 | $1,037,000 | $115,000 | $281,000 | $54,000 | $121,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $146,000 | $73,000 | $132,000 | $67,000 | $92,000 |
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) | 5,127 | $622,358,000 | $121,000 | $37,889,000 | $79,000 | $1,689,000 |
| FHA-insured (Federal Housing Administration) | 341 | $40,153,000 | $117,000 | $347,000 | $56,000 | $353,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 92 | $7,461,000 | $81,000 | $235,000 | $39,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 63 | $9,093,000 | $144,000 | $417,000 | $62,000 | $142,000 |
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 | 4,054 | $550,693,000 | $135,000 | $37,889,000 | $82,000 | $1,689,000 |
| Application Denied By Financial Institution | 815 | $43,742,000 | $53,000 | $498,000 | $57,000 | $400,000 |
| Application Approved But Not Accepted | 517 | $50,578,000 | $97,000 | $625,000 | $73,000 | $687,000 |
| File Closed For Incompleteness | 85 | $12,148,000 | $142,000 | $417,000 | $79,000 | $1,120,000 |
| Application Withdrawn By Applicant | 79 | $9,501,000 | $120,000 | $417,000 | $66,000 | $508,000 |
| Loan Purchased By The Institution | 73 | $12,403,000 | $169,000 | $380,000 | $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 | 330 | $12,611,000 | $38,000 | $417,000 | $58,000 | $395,000 |
| Debt-To-Income Ratio | 311 | $19,154,000 | $61,000 | $498,000 | $51,000 | $400,000 |
| Collateral | 66 | $2,671,000 | $40,000 | $202,000 | $67,000 | $181,000 |
| Other | 65 | $6,572,000 | $101,000 | $417,000 | $77,000 | $240,000 |
| Employment History | 23 | $871,000 | $37,000 | $167,000 | $47,000 | $156,000 |
| Unverifiable Information | 10 | $871,000 | $87,000 | $161,000 | $56,000 | $113,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $508,000 | $72,000 | $112,000 | $41,000 | $62,000 |
| Mortgage Insurance Denied | 3 | $484,000 | $161,000 | $207,000 | $70,000 | $91,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Tierone Bank's 2008 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.
For a list of all lenders in Nebraska, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About