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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 | 314 PARK AVE
IRONTON, OH 45638 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 124 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $9,688,000 |
| Average Mortgage Loan Amount Applied For | $98,166 |
| Highest Mortgage Loan Amount Applied For | $300,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $160,000 |
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| Home Improvement |
2 | $112,000 |
$56,000 | $76,000 |
$33,000 | $52,000 |
| Home Purchase |
80 | $6,551,000 |
$81,000 | $300,000 |
$40,000 | $160,000 |
| Refinancing |
52 | $3,734,000 |
$71,000 | $258,000 |
$47,000 | $138,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Black or African American |
1 | $36,000 |
$36,000 | $36,000 |
$14,000 | $14,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
4 | $728,000 |
$182,000 | $200,000 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
129 | $9,633,000 |
$74,000 | $300,000 |
$44,000 | $160,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
134 | $10,397,000 |
$77,000 | $300,000 |
$43,000 | $160,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| 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 |
22 | $1,436,000 |
$65,000 | $143,000 |
$51,000 | $113,000 |
| Application Withdrawn By Applicant |
18 | $1,441,000 |
$80,000 | $244,000 |
$41,000 | $117,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
85 | $6,888,000 |
$81,000 | $300,000 |
$42,000 | $160,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
4 | $247,000 |
$61,000 | $90,000 |
$28,000 | $40,000 |
| Preapproval Denied by Financial Institution |
5 | $385,000 |
$77,000 | $95,000 |
$35,000 | $50,000 |
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| Collateral |
3 | $137,000 |
$45,000 | $68,000 |
$83,000 | $107,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
19 | $1,307,000 |
$68,000 | $143,000 |
$39,000 | $81,000 |
| Debt-To-Income Ratio |
2 | $166,000 |
$83,000 | $130,000 |
$96,000 | $113,000 |
| Employment History |
2 | $151,000 |
$75,000 | $100,000 |
$45,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
1 | $60,000 |
$60,000 | $60,000 |
$30,000 | $30,000 |
| 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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