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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 & LOAN
Mortgage Loans and Application Details
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| Mortgage Company Name |
LIBERTY FEDERAL SAVINGS & LOAN |
| Address | 401 N. HOWARD STREET
BALTIMORE, MD 21201 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 13 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $2,286,000 |
| Average Mortgage Loan Amount Applied For | $212,500 |
| Highest Mortgage Loan Amount Applied For | $600,000 |
| Average Applicant Income | $116,666 |
| Highest Applicant Income | $356,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Refinancing |
13 | $2,286,000 |
$175,000 | $600,000 |
$100,000 | $356,000 |
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| American Indian or Alaskan Native |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Asian |
2 | $625,000 |
$312,000 | $600,000 |
$256,000 | $356,000 |
| Black or African American |
5 | $205,000 |
$41,000 | $130,000 |
$23,000 | $35,000 |
| Hispanic |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Native Hawaiin or Other Pacific Islander |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
0 | $0 |
$0 | $0 |
$0 | $0 |
| White |
6 | $1,456,000 |
$242,000 | $554,000 |
$112,000 | $270,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
13 | $2,286,000 |
$175,000 | $600,000 |
$100,000 | $356,000 |
| 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 |
1 | $480,000 |
$480,000 | $480,000 |
$96,000 | $96,000 |
| Application Denied By Financial Institution |
4 | $200,000 |
$50,000 | $130,000 |
$37,000 | $66,000 |
| Application Withdrawn By Applicant |
0 | $0 |
$0 | $0 |
$0 | $0 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
8 | $1,606,000 |
$200,000 | $600,000 |
$132,000 | $356,000 |
| 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 |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
3 | $180,000 |
$60,000 | $130,000 |
$41,000 | $66,000 |
| Debt-To-Income Ratio |
1 | $20,000 |
$20,000 | $20,000 |
$24,000 | $24,000 |
| Employment History |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for LIBERTY FEDERAL SAVINGS & LOAN by:
Metropolitan Area And
County
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