Bankliberty Mortgage Lending & HMDA Data, 2011
In 2011, Bankliberty of Liberty, MO reported 544 mortgage applications totaling $109.2 million. The average application was for $200,805, and applicants reported an average income of $93,312. 37% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Kansas City, MO-KS (297), New York-White Plains-Wayne, NY-NJ (25) and Los Angeles-Long Beach-Glendale, CA (10) (applications in parentheses).
| Mortgage Company & Address | Bankliberty 16 W Franklin Liberty, MO 64068 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 544 |
| Total Mortgage Loan Application Amount | $109,238,000 |
| Average Mortgage Loan Application Amount | $200,805 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $93,312 |
| Highest Applicant Income | $1,200,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bankliberty filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Kansas City, MO-KS | 297 | $ 46,901,000 | $ 157,915 | $ 82,030 |
| New York-White Plains-Wayne, NY-NJ | 25 | $ 7,778,000 | $ 311,120 | $ 94,440 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 3,606,000 | $ 360,600 | $ 120,000 |
| Nassau-Suffolk, NY | 8 | $ 1,742,000 | $ 217,750 | $ 95,000 |
| Newark-Union, NJ-PA | 7 | $ 1,834,000 | $ 262,000 | $ 135,000 |
| Las Vegas-Paradise, NV | 6 | $ 1,332,000 | $ 222,000 | $ 104,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 1,524,000 | $ 254,000 | $ 77,166 |
| Austin-Round Rock-San Marcos, TX | 5 | $ 1,206,000 | $ 241,200 | $ 108,000 |
| Denver-Aurora-Broomfield, CO | 5 | $ 879,000 | $ 175,800 | $ 81,000 |
| Edison-New Brunswick, NJ | 5 | $ 1,183,000 | $ 236,600 | $ 87,000 |
| Houston-Sugar Land-Baytown, TX | 5 | $ 848,000 | $ 169,600 | $ 112,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,302,000 | $ 260,400 | $ 72,000 |
| Philadelphia, PA | 5 | $ 1,552,000 | $ 310,400 | $ 112,000 |
| St. Louis, MO-IL | 5 | $ 632,000 | $ 126,400 | $ 34,200 |
| Boston-Quincy, MA | 4 | $ 1,251,000 | $ 312,750 | $ 55,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 1,106,000 | $ 276,500 | $ 79,000 |
| Chicago-Joliet-Naperville, IL | 4 | $ 1,146,000 | $ 286,500 | $ 87,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 1,023,000 | $ 255,750 | $ 120,000 |
| Omaha-Council Bluffs, NE-IA | 4 | $ 698,000 | $ 174,500 | $ 53,000 |
| Phoenix-Mesa-Glendale, AZ | 4 | $ 727,000 | $ 181,750 | $ 211,000 |
| Pittsburgh, PA | 4 | $ 737,000 | $ 184,250 | $ 83,000 |
| Albany-Schenectady-Troy, NY | 3 | $ 653,000 | $ 217,666 | $ 144,000 |
| Atlanta-Sandy Springs-Marietta, GA | 3 | $ 795,000 | $ 265,000 | $ 120,000 |
| Baltimore-Towson, MD | 3 | $ 1,005,000 | $ 335,000 | $ 92,000 |
| Peabody, MA | 3 | $ 1,018,000 | $ 339,333 | $ 143,000 |
| Providence-New Bedford-Fall River, RI-MA | 3 | $ 630,000 | $ 210,000 | $ 66,333 |
| Raleigh-Cary, NC | 3 | $ 767,000 | $ 255,666 | $ 113,000 |
| Santa Ana-Anaheim-Irvine, CA | 3 | $ 937,000 | $ 312,333 | $ 96,000 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 464,000 | $ 232,000 | $ 109,000 |
| Camden, NJ | 2 | $ 426,000 | $ 213,000 | $ 65,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 2 | $ 758,000 | $ 379,000 | $ 152,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 520,000 | $ 260,000 | $ 424,000 |
| Colorado Springs, CO | 2 | $ 410,000 | $ 205,000 | $ 61,000 |
| Des Moines-West Des Moines, IA | 2 | $ 278,000 | $ 139,000 | $ 86,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 355,000 | $ 177,500 | $ 380,000 |
| Lawrence, KS | 2 | $ 445,000 | $ 222,500 | $ 69,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 352,000 | $ 176,000 | $ 76,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 592,000 | $ 296,000 | $ 122,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 1,274,000 | $ 637,000 | $ 215,000 |
| Portland-South Portland-Biddeford, ME | 2 | $ 434,000 | $ 217,000 | $ 97,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 720,000 | $ 360,000 | $ 190,000 |
| Seattle-Bellevue-Everett, WA | 2 | $ 463,000 | $ 231,500 | $ 55,000 |
| St. Joseph, MO-KS | 2 | $ 197,000 | $ 98,500 | $ 48,000 |
| Tacoma, WA | 2 | $ 558,000 | $ 279,000 | $ 84,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 376,000 | $ 188,000 | $ 150,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 2 | $ 378,000 | $ 189,000 | $ 65,000 |
| Amarillo, TX | 1 | $ 173,000 | $ 173,000 | $ 82,000 |
| Appleton, WI | 1 | $ 174,000 | $ 174,000 | $ 81,000 |
| Asheville, NC | 1 | $ 136,000 | $ 136,000 | $ 45,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 150,000 | $ 150,000 | $ 26,000 |
| Barnstable Town, MA | 1 | $ 83,000 | $ 83,000 | $ 50,000 |
| Boulder, CO | 1 | $ 213,000 | $ 213,000 | $ 44,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 506,000 | $ 506,000 | $ 90,000 |
| Brownsville-Harlingen, TX | 1 | $ 172,000 | $ 172,000 | $ 138,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 210,000 | $ 210,000 | $ 218,000 |
| Champaign-Urbana, IL | 1 | $ 135,000 | $ 135,000 | $ 96,000 |
| Columbus, OH | 1 | $ 325,000 | $ 325,000 | $ 168,000 |
| Corvallis, OR | 1 | $ 202,000 | $ 202,000 | $ 1,200,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 204,000 | $ 204,000 | $ 76,000 |
| Dallas-Plano-Irving, TX | 1 | $ 194,000 | $ 194,000 | $ 53,000 |
| El Paso, TX | 1 | $ 795,000 | $ 795,000 | $ 250,000 |
| Flagstaff, AZ | 1 | $ 210,000 | $ 210,000 | $ 89,000 |
| Fort Worth-Arlington, TX | 1 | $ 139,000 | $ 139,000 | $ 89,000 |
| Gainesville, FL | 1 | $ 880,000 | $ 880,000 | $ 240,000 |
| Greensboro-High Point, NC | 1 | $ 218,000 | $ 218,000 | $ 90,000 |
| Hattiesburg, MS | 1 | $ 60,000 | $ 60,000 | $ 46,000 |
| Iowa City, IA | 1 | $ 318,000 | $ 318,000 | $ 73,000 |
| Kingston, NY | 1 | $ 160,000 | $ 160,000 | $ 14,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 190,000 | $ 190,000 | $ 90,000 |
| Longview, TX | 1 | $ 206,000 | $ 206,000 | $ 201,000 |
| Manchester-Nashua, NH | 1 | $ 158,000 | $ 158,000 | $ 66,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 187,000 | $ 187,000 | $ 100,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 136,000 | $ 136,000 | $ 50,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 312,000 | $ 312,000 | $ 142,000 |
| New Haven-Milford, CT | 1 | $ 205,000 | $ 205,000 | $ 10,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 172,000 | $ 172,000 | $ 49,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 262,000 | $ 262,000 | $ 59,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 212,000 | $ 212,000 | $ 72,000 |
| Port St. Lucie, FL | 1 | $ 195,000 | $ 195,000 | $ 37,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 154,000 | $ 154,000 | $ 106,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 185,000 | $ 185,000 | $ 70,000 |
| Prescott, AZ | 1 | $ 197,000 | $ 197,000 | $ 48,000 |
| Provo-Orem, UT | 1 | $ 290,000 | $ 290,000 | $ 158,000 |
| Racine, WI | 1 | $ 354,000 | $ 354,000 | $ 94,000 |
| Richmond, VA | 1 | $ 190,000 | $ 190,000 | $ 25,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 316,000 | $ 316,000 | $ 110,000 |
| Salinas, CA | 1 | $ 323,000 | $ 323,000 | $ 275,000 |
| San Antonio-New Braunfels, TX | 1 | $ 202,000 | $ 202,000 | $ 45,000 |
| San Diego-Carlsbad-San Marcos, CA | 1 | $ 308,000 | $ 308,000 | $ 170,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 354,000 | $ 354,000 | $ 100,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 239,000 | $ 239,000 | $ 71,000 |
| Syracuse, NY | 1 | $ 156,000 | $ 156,000 | $ 72,000 |
| Tallahassee, FL | 1 | $ 158,000 | $ 158,000 | $ 72,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 417,000 | $ 417,000 | $ 118,000 |
| Tucson, AZ | 1 | $ 297,000 | $ 297,000 | $ 72,000 |
| Worcester, MA | 1 | $ 210,000 | $ 210,000 | $ 120,000 |
| Yuma, AZ | 1 | $ 208,000 | $ 208,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Bankliberty in 2011
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 | 453 | $97,696,000 | $215,000 | $1,000,000 | $99,000 | $1,200,000 |
| Home Purchase | 91 | $11,542,000 | $126,000 | $508,000 | $65,000 | $306,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 375 | $74,916,000 | $199,000 | $1,000,000 | $95,000 | $960,000 |
| Not Provided | 115 | $25,771,000 | $224,000 | $506,000 | $98,000 | $750,000 |
| Not applicable | 22 | $2,528,000 | $114,000 | $603,000 | $0 | $0 |
| Asian | 14 | $2,473,000 | $176,000 | $276,000 | $75,000 | $129,000 |
| Hispanic | 12 | $2,569,000 | $214,000 | $405,000 | $191,000 | $1,200,000 |
| Black or African American | 5 | $705,000 | $141,000 | $175,000 | $58,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $276,000 | $276,000 | $276,000 | $70,000 | $70,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 479 | $99,578,000 | $207,000 | $1,000,000 | $99,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 58 | $8,410,000 | $145,000 | $354,000 | $50,000 | $191,000 |
| VA-guaranteed (Veterans Administration) | 7 | $1,250,000 | $178,000 | $315,000 | $65,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 203 | $34,623,000 | $170,000 | $959,000 | $83,000 | $548,000 |
| Application Withdrawn By Applicant | 198 | $43,650,000 | $220,000 | $880,000 | $106,000 | $1,200,000 |
| Application Denied By Financial Institution | 105 | $23,495,000 | $223,000 | $1,000,000 | $90,000 | $960,000 |
| File Closed For Incompleteness | 29 | $6,099,000 | $210,000 | $508,000 | $95,000 | $476,000 |
| Application Approved But Not Accepted | 8 | $1,228,000 | $153,000 | $303,000 | $95,000 | $241,000 |
| Loan Purchased By The Institution | 1 | $143,000 | $143,000 | $143,000 | $51,000 | $51,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 37 | $8,874,000 | $239,000 | $795,000 | $112,000 | $360,000 |
| Debt-To-Income Ratio | 33 | $8,104,000 | $245,000 | $519,000 | $64,000 | $206,000 |
| Credit History | 28 | $5,235,000 | $186,000 | $1,000,000 | $95,000 | $960,000 |
| Credit Application Incomplete | 3 | $797,000 | $265,000 | $293,000 | $105,000 | $207,000 |
| Unverifiable Information | 2 | $263,000 | $131,000 | $142,000 | $72,000 | $75,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $222,000 | $111,000 | $136,000 | $50,000 | $90,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bankliberty's 2011 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 Bankliberty'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 Missouri, download the full spreadsheet
with aggregated HMDA statistics today.
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