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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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LIBERTY FEDERAL SAVINGS BANK
Mortgage Loans and Application Details
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| Mortgage Company Name |
LIBERTY FEDERAL SAVINGS BANK |
| Address | 401 WEST BROADWAY
ENID, OK 73701 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 159 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $26,610,000 |
| Average Mortgage Loan Amount Applied For | $223,300 |
| Highest Mortgage Loan Amount Applied For | $1,500,000 |
| Average Applicant Income | $109,350 |
| Highest Applicant Income | $1,640,000 |
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| Home Improvement |
24 | $1,606,000 |
$66,000 | $271,000 |
$74,000 | $213,000 |
| Home Purchase |
98 | $19,205,000 |
$195,000 | $1,042,000 |
$127,000 | $1,210,000 |
| Refinancing |
37 | $5,799,000 |
$156,000 | $1,500,000 |
$98,000 | $1,640,000 |
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| American Indian or Alaskan Native |
1 | $38,000 |
$38,000 | $38,000 |
$29,000 | $29,000 |
| Asian |
3 | $1,017,000 |
$339,000 | $824,000 |
$119,000 | $197,000 |
| Black or African American |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Hispanic |
2 | $170,000 |
$85,000 | $110,000 |
$43,000 | $64,000 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
3 | $2,153,000 |
$717,000 | $1,400,000 |
$0 | $0 |
| Not Provided |
7 | $1,630,000 |
$232,000 | $618,000 |
$110,000 | $228,000 |
| White |
143 | $21,602,000 |
$151,000 | $1,500,000 |
$116,000 | $1,640,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
147 | $26,460,000 |
$180,000 | $1,500,000 |
$117,000 | $1,640,000 |
| FHA-insured (Federal Housing Administration) |
12 | $150,000 |
$12,000 | $25,000 |
$50,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Application Denied By Financial Institution |
23 | $2,132,000 |
$92,000 | $335,000 |
$55,000 | $126,000 |
| Application Withdrawn By Applicant |
14 | $4,716,000 |
$336,000 | $1,500,000 |
$215,000 | $1,640,000 |
| File Closed For Incompleteness |
1 | $38,000 |
$38,000 | $38,000 |
$62,000 | $62,000 |
| Loan Originated |
121 | $19,724,000 |
$163,000 | $1,400,000 |
$112,000 | $1,210,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$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 |
1 | $24,000 |
$24,000 | $24,000 |
$15,000 | $15,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
11 | $840,000 |
$76,000 | $185,000 |
$53,000 | $78,000 |
| Debt-To-Income Ratio |
2 | $120,000 |
$60,000 | $70,000 |
$22,000 | $31,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
1 | $118,000 |
$118,000 | $118,000 |
$31,000 | $31,000 |
| Other |
8 | $1,030,000 |
$128,000 | $335,000 |
$74,000 | $126,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for LIBERTY FEDERAL SAVINGS BANK by:
Metropolitan Area And
County
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