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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 SAVINGS BANK, FSB
Mortgage Loans and Application Details
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| Mortgage Company Name |
LIBERTY SAVINGS BANK, FSB |
| Address | 111 7TH AVE SOUTH
ST. CLOUD, MN 56301 |
| Agency | Office of Thrift Supervision (OTS) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 795 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $123,772,000 |
| Average Mortgage Loan Amount Applied For | $174,343 |
| Highest Mortgage Loan Amount Applied For | $680,000 |
| Average Applicant Income | $91,031 |
| Highest Applicant Income | $1,008,000 |
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| Home Improvement |
20 | $562,000 |
$28,000 | $257,000 |
$48,000 | $113,000 |
| Home Purchase |
567 | $84,791,000 |
$149,000 | $680,000 |
$75,000 | $1,008,000 |
| Refinancing |
234 | $42,007,000 |
$179,000 | $535,000 |
$74,000 | $620,000 |
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| American Indian or Alaskan Native |
2 | $135,000 |
$67,000 | $120,000 |
$21,000 | $21,000 |
| Asian |
6 | $865,000 |
$144,000 | $191,000 |
$79,000 | $170,000 |
| Black or African American |
5 | $610,000 |
$122,000 | $156,000 |
$52,000 | $64,000 |
| Hispanic |
9 | $1,173,000 |
$130,000 | $309,000 |
$44,000 | $61,000 |
| Native Hawaiin or Other Pacific Islander |
1 | $100,000 |
$100,000 | $100,000 |
$32,000 | $32,000 |
| Not applicable |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Not Provided |
7 | $1,408,000 |
$201,000 | $417,000 |
$76,000 | $176,000 |
| White |
791 | $123,069,000 |
$155,000 | $680,000 |
$75,000 | $1,008,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
783 | $121,696,000 |
$155,000 | $680,000 |
$75,000 | $1,008,000 |
| FHA-insured (Federal Housing Administration) |
24 | $3,274,000 |
$136,000 | $243,000 |
$57,000 | $309,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
2 | $119,000 |
$59,000 | $75,000 |
$42,000 | $50,000 |
| VA-guaranteed (Veterans Administration) |
12 | $2,271,000 |
$189,000 | $368,000 |
$53,000 | $78,000 |
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| Application Approved But Not Accepted |
1 | $5,000 |
$5,000 | $5,000 |
$41,000 | $41,000 |
| Application Denied By Financial Institution |
33 | $5,006,000 |
$151,000 | $535,000 |
$53,000 | $161,000 |
| Application Withdrawn By Applicant |
26 | $4,264,000 |
$164,000 | $347,000 |
$60,000 | $156,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
761 | $118,085,000 |
$155,000 | $680,000 |
$76,000 | $1,008,000 |
| 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 |
3 | $826,000 |
$275,000 | $535,000 |
$87,000 | $133,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
19 | $2,597,000 |
$136,000 | $326,000 |
$52,000 | $161,000 |
| Debt-To-Income Ratio |
7 | $1,235,000 |
$176,000 | $325,000 |
$41,000 | $100,000 |
| 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 |
4 | $348,000 |
$87,000 | $152,000 |
$51,000 | $95,000 |
| Unverifiable Information |
0 | $0 |
$0 | $0 |
$0 | $0 |
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Mortgage Loan App Totals for LIBERTY SAVINGS BANK, FSB by:
Metropolitan Area And
County
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