Liberty Bank F.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Liberty Bank F.S.B. 2009 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Liberty Bank F.S.B. 6400 Westown Parkway West Des Moines, IA 50266 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,869 |
| Total Mortgage Loan Application Amount | $215,848,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $1,250,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $5,044,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 with Liberty Bank F.S.B.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Liberty Bank F.S.B.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2009 breaks down Liberty Bank F.S.B.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Liberty Bank F.S.B. serves its applicants.
Each category highlights the total number of mortgage applications processed by Liberty Bank F.S.B., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Liberty Bank F.S.B.'s mortgage activity for 2009.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Polk County Iowa | 397 | $ 48,919,000 | $ 123,000 | $ 114,000 |
| Pottawattamie County Iowa | 375 | $ 40,917,000 | $ 109,000 | $ 56,000 |
| Black Hawk County Iowa | 147 | $ 17,816,000 | $ 121,000 | $ 73,000 |
| Dickinson County Iowa | 124 | $ 17,419,000 | $ 140,000 | $ 77,000 |
| Hancock County Iowa | 122 | $ 7,606,000 | $ 62,000 | $ 57,000 |
| Dallas County Iowa | 96 | $ 16,037,000 | $ 167,000 | $ 117,000 |
| Hardin County Iowa | 83 | $ 3,017,000 | $ 36,000 | $ 80,000 |
| Dubuque County Iowa | 69 | $ 8,618,000 | $ 124,000 | $ 53,000 |
| Linn County Iowa | 65 | $ 8,577,000 | $ 131,000 | $ 73,000 |
| Grundy County Iowa | 60 | $ 5,551,000 | $ 92,000 | $ 75,000 |
| Johnson County Iowa | 41 | $ 7,268,000 | $ 177,000 | $ 105,000 |
| Douglas County Nebraska | 28 | $ 4,597,000 | $ 164,000 | $ 90,000 |
| Cerro Gordo County Iowa | 27 | $ 3,487,000 | $ 129,000 | $ 114,000 |
| Warren County Iowa | 20 | $ 2,180,000 | $ 109,000 | $ 67,000 |
| Mills County Iowa | 16 | $ 1,993,000 | $ 124,000 | $ 71,000 |
| Jo Daviess County Illinois | 12 | $ 1,477,000 | $ 123,000 | $ 92,000 |
| Sarpy County Nebraska | 11 | $ 1,671,000 | $ 151,000 | $ 53,000 |
| Madison County Iowa | 10 | $ 1,392,000 | $ 139,000 | $ 94,000 |
| Story County Iowa | 10 | $ 956,000 | $ 95,000 | $ 100,000 |
| Boone County Iowa | 9 | $ 525,000 | $ 58,000 | $ 55,000 |
| Fremont County Iowa | 9 | $ 483,000 | $ 53,000 | $ 51,000 |
| Bremer County Iowa | 6 | $ 879,000 | $ 146,000 | $ 90,000 |
| Carroll County Iowa | 6 | $ 486,000 | $ 81,000 | $ 46,000 |
| Winnebago County Iowa | 6 | $ 321,000 | $ 53,000 | $ 56,000 |
| Harrison County Iowa | 5 | $ 422,000 | $ 84,000 | $ 49,000 |
| Jasper County Iowa | 5 | $ 546,000 | $ 109,000 | $ 85,000 |
| Benton County Iowa | 4 | $ 638,000 | $ 159,000 | $ 70,000 |
| Butler County Iowa | 4 | $ 639,000 | $ 159,000 | $ 82,000 |
| Clay County Iowa | 4 | $ 221,000 | $ 55,000 | $ 26,000 |
| Scott County Iowa | 4 | $ 606,000 | $ 151,000 | $ 62,000 |
| Tama County Iowa | 4 | $ 223,000 | $ 55,000 | $ 93,000 |
| Worth County Iowa | 4 | $ 173,000 | $ 43,000 | $ 38,000 |
| Dakota County Minnesota | 4 | $ 535,000 | $ 133,000 | $ 52,000 |
| Buchanan County Iowa | 3 | $ 286,000 | $ 95,000 | $ 61,000 |
| Delaware County Iowa | 3 | $ 253,000 | $ 84,000 | $ 75,000 |
| Emmet County Iowa | 3 | $ 135,000 | $ 45,000 | $ 211,000 |
| Franklin County Iowa | 3 | $ 107,000 | $ 35,000 | $ 66,000 |
| Guthrie County Iowa | 3 | $ 483,000 | $ 161,000 | $ 77,000 |
| Marshall County Iowa | 3 | $ 404,000 | $ 134,000 | $ 126,000 |
| Poweshiek County Iowa | 3 | $ 538,000 | $ 179,000 | $ 191,000 |
| Wright County Iowa | 3 | $ 73,000 | $ 24,000 | $ 67,000 |
| Washington County Nebraska | 3 | $ 667,000 | $ 222,000 | $ 85,000 |
| Maricopa County Arizona | 2 | $ 555,000 | $ 277,000 | $ 765,000 |
| Adair County Iowa | 2 | $ 130,000 | $ 65,000 | $ 43,000 |
| Buena Vista County Iowa | 2 | $ 116,000 | $ 58,000 | $ 31,000 |
| Chickasaw County Iowa | 2 | $ 84,000 | $ 42,000 | $ 66,000 |
| Ringgold County Iowa | 2 | $ 313,000 | $ 156,000 | $ 165,000 |
| Shelby County Iowa | 2 | $ 168,000 | $ 84,000 | $ 34,000 |
| Cherokee County Kansas | 2 | $ 154,000 | $ 77,000 | $ 150,000 |
| Jackson County Minnesota | 2 | $ 48,000 | $ 24,000 | $ 43,000 |
| Cass County Nebraska | 2 | $ 439,000 | $ 219,000 | $ 82,000 |
| Pinal County Arizona | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Orange County California | 1 | $ 40,000 | $ 40,000 | $ 108,000 |
| San Diego County California | 1 | $ 383,000 | $ 383,000 | $ 179,000 |
| Morgan County Colorado | 1 | $ 301,000 | $ 301,000 | $ 78,000 |
| Lake County Florida | 1 | $ 20,000 | $ 20,000 | $ 21,000 |
| Lee County Florida | 1 | $ 263,000 | $ 263,000 | $ 338,000 |
| Cook County Illinois | 1 | $ 240,000 | $ 240,000 | $ 60,000 |
| Warren County Illinois | 1 | $ 110,000 | $ 110,000 | $ 63,000 |
| Adams County Iowa | 1 | $ 158,000 | $ 158,000 | $ 54,000 |
| Calhoun County Iowa | 1 | $ 148,000 | $ 148,000 | $ 67,000 |
| Cass County Iowa | 1 | $ 56,000 | $ 56,000 | $ 16,000 |
| Cedar County Iowa | 1 | $ 61,000 | $ 61,000 | $ 37,000 |
| Crawford County Iowa | 1 | $ 82,000 | $ 82,000 | $ 31,000 |
| Decatur County Iowa | 1 | $ 120,000 | $ 120,000 | $ 22,000 |
| Floyd County Iowa | 1 | $ 96,000 | $ 96,000 | $ 40,000 |
| Hamilton County Iowa | 1 | $ 74,000 | $ 74,000 | $ 29,000 |
| Jones County Iowa | 1 | $ 61,000 | $ 61,000 | $ 88,000 |
| Keokuk County Iowa | 1 | $ 10,000 | $ 10,000 | $ 122,000 |
| Kossuth County Iowa | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Marion County Iowa | 1 | $ 157,000 | $ 157,000 | $ 65,000 |
| Plymouth County Iowa | 1 | $ 108,000 | $ 108,000 | $ 58,000 |
| Sac County Iowa | 1 | $ 63,000 | $ 63,000 | $ 50,000 |
| Washington County Iowa | 1 | $ 236,000 | $ 236,000 | $ 74,000 |
| Webster County Iowa | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Johnson County Kansas | 1 | $ 200,000 | $ 200,000 | $ 285,000 |
| Cottonwood County Minnesota | 1 | $ 40,000 | $ 40,000 | $ 20,000 |
| Grant County Minnesota | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Rice County Minnesota | 1 | $ 256,000 | $ 256,000 | $ 52,000 |
| Roseau County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Barry County Missouri | 1 | $ 115,000 | $ 115,000 | $ 87,000 |
| Camden County Missouri | 1 | $ 241,000 | $ 241,000 | $ 184,000 |
| Clay County Missouri | 1 | $ 147,000 | $ 147,000 | $ 95,000 |
| Otoe County Nebraska | 1 | $ 72,000 | $ 72,000 | $ 60,000 |
| Hidalgo County Texas | 1 | $ 67,000 | $ 67,000 | $ 61,000 |
| Grant County Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 84,000 |
| Milwaukee County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 320,000 |
| Wood County Wisconsin | 1 | $ 87,000 | $ 87,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Liberty Bank F.S.B. in 2009
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 | 942 | $132,824,000 | $141,000 | $1,250,000 | $94,000 | $5,044,000 |
| Home Purchase | 737 | $76,277,000 | $103,000 | $417,000 | $69,000 | $1,434,000 |
| Home Improvement | 190 | $6,747,000 | $35,000 | $417,000 | $74,000 | $396,000 |
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 | 1,606 | $185,984,000 | $115,000 | $1,250,000 | $77,000 | $1,434,000 |
| Not Provided | 132 | $9,715,000 | $73,000 | $340,000 | $99,000 | $588,000 |
| Not applicable | 64 | $12,410,000 | $193,000 | $1,235,000 | $201,000 | $5,044,000 |
| Hispanic | 31 | $3,474,000 | $112,000 | $891,000 | $52,000 | $150,000 |
| Asian | 18 | $2,454,000 | $136,000 | $417,000 | $94,000 | $375,000 |
| Black or African American | 7 | $563,000 | $80,000 | $151,000 | $38,000 | $56,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $739,000 | $123,000 | $400,000 | $42,000 | $95,000 |
| American Indian or Alaskan Native | 5 | $509,000 | $101,000 | $132,000 | $45,000 | $73,000 |
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) | 1,375 | $155,648,000 | $113,000 | $1,250,000 | $95,000 | $5,044,000 |
| FHA-insured (Federal Housing Administration) | 455 | $55,017,000 | $120,000 | $276,000 | $45,000 | $180,000 |
| VA-guaranteed (Veterans Administration) | 39 | $5,183,000 | $132,000 | $314,000 | $50,000 | $113,000 |
| 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 | 1,614 | $187,126,000 | $115,000 | $1,250,000 | $83,000 | $5,044,000 |
| Application Withdrawn By Applicant | 131 | $18,322,000 | $139,000 | $417,000 | $86,000 | $384,000 |
| Application Denied By Financial Institution | 121 | $10,045,000 | $83,000 | $990,000 | $66,000 | $383,000 |
| Application Approved But Not Accepted | 2 | $270,000 | $135,000 | $145,000 | $226,000 | $320,000 |
| File Closed For Incompleteness | 1 | $85,000 | $85,000 | $85,000 | $40,000 | $40,000 |
| 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 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 45 | $2,405,000 | $53,000 | $290,000 | $54,000 | $212,000 |
| Debt-To-Income Ratio | 28 | $2,401,000 | $85,000 | $417,000 | $51,000 | $208,000 |
| Collateral | 23 | $3,191,000 | $138,000 | $990,000 | $104,000 | $264,000 |
| Employment History | 13 | $1,031,000 | $79,000 | $257,000 | $56,000 | $173,000 |
| Other | 8 | $681,000 | $85,000 | $270,000 | $101,000 | $383,000 |
| Credit Application Incomplete | 2 | $207,000 | $103,000 | $135,000 | $58,000 | $80,000 |
| Unverifiable Information | 1 | $84,000 | $84,000 | $84,000 | $61,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $23,000 | $23,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Bank F.S.B.'s 2009 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 Liberty Bank F.S.B.'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 Iowa, download the full spreadsheet
with aggregated HMDA statistics today.