Liberty Bank F.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Liberty Bank F.S.B. 2010 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 | 2,050 |
| Total Mortgage Loan Application Amount | $236,126,000 |
| Average Mortgage Loan Application Amount | $90,333 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $73,666 |
| Highest Applicant Income | $1,486,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | 477 | $ 55,495,000 | $ 116,000 | $ 82,000 |
| Pottawattamie County Iowa | 402 | $ 45,403,000 | $ 112,000 | $ 63,000 |
| Dickinson County Iowa | 168 | $ 21,768,000 | $ 129,000 | $ 100,000 |
| Black Hawk County Iowa | 128 | $ 14,393,000 | $ 112,000 | $ 62,000 |
| Hancock County Iowa | 123 | $ 7,628,000 | $ 62,000 | $ 53,000 |
| Dallas County Iowa | 118 | $ 19,137,000 | $ 162,000 | $ 103,000 |
| Dubuque County Iowa | 105 | $ 13,570,000 | $ 129,000 | $ 57,000 |
| Hardin County Iowa | 78 | $ 4,118,000 | $ 52,000 | $ 51,000 |
| Linn County Iowa | 48 | $ 5,934,000 | $ 123,000 | $ 101,000 |
| Grundy County Iowa | 42 | $ 3,085,000 | $ 73,000 | $ 62,000 |
| Johnson County Iowa | 40 | $ 7,300,000 | $ 182,000 | $ 91,000 |
| Douglas County Nebraska | 39 | $ 4,241,000 | $ 108,000 | $ 56,000 |
| Warren County Iowa | 24 | $ 3,028,000 | $ 126,000 | $ 79,000 |
| Jo Daviess County Illinois | 19 | $ 2,106,000 | $ 110,000 | $ 61,000 |
| Cerro Gordo County Iowa | 17 | $ 1,788,000 | $ 105,000 | $ 98,000 |
| Mills County Iowa | 16 | $ 2,086,000 | $ 130,000 | $ 76,000 |
| Sarpy County Nebraska | 15 | $ 2,381,000 | $ 158,000 | $ 114,000 |
| Franklin County Iowa | 10 | $ 488,000 | $ 48,000 | $ 65,000 |
| Benton County Iowa | 9 | $ 1,217,000 | $ 135,000 | $ 87,000 |
| Bremer County Iowa | 8 | $ 1,471,000 | $ 183,000 | $ 122,000 |
| Butler County Iowa | 8 | $ 494,000 | $ 61,000 | $ 45,000 |
| Madison County Iowa | 8 | $ 1,385,000 | $ 173,000 | $ 109,000 |
| Story County Iowa | 7 | $ 882,000 | $ 126,000 | $ 88,000 |
| Buchanan County Iowa | 6 | $ 984,000 | $ 164,000 | $ 79,000 |
| Harrison County Iowa | 6 | $ 507,000 | $ 84,000 | $ 95,000 |
| Scott County Iowa | 6 | $ 756,000 | $ 126,000 | $ 87,000 |
| Shelby County Iowa | 5 | $ 217,000 | $ 43,000 | $ 50,000 |
| Winnebago County Iowa | 5 | $ 236,000 | $ 47,000 | $ 95,000 |
| Grant County Wisconsin | 5 | $ 403,000 | $ 80,000 | $ 60,000 |
| Marion County Iowa | 4 | $ 352,000 | $ 88,000 | $ 51,000 |
| Poweshiek County Iowa | 4 | $ 697,000 | $ 174,000 | $ 273,000 |
| Worth County Iowa | 4 | $ 171,000 | $ 42,000 | $ 184,000 |
| Jackson County Minnesota | 4 | $ 283,000 | $ 70,000 | $ 64,000 |
| Lee County Florida | 3 | $ 890,000 | $ 296,000 | $ 265,000 |
| Boone County Iowa | 3 | $ 356,000 | $ 118,000 | $ 171,000 |
| Buena Vista County Iowa | 3 | $ 206,000 | $ 68,000 | $ 28,000 |
| Clay County Iowa | 3 | $ 142,000 | $ 47,000 | $ 63,000 |
| Delaware County Iowa | 3 | $ 46,000 | $ 15,000 | $ 38,000 |
| Des Moines County Iowa | 3 | $ 767,000 | $ 255,000 | $ 280,000 |
| Floyd County Iowa | 3 | $ 269,000 | $ 89,000 | $ 72,000 |
| Jones County Iowa | 3 | $ 263,000 | $ 87,000 | $ 42,000 |
| Tama County Iowa | 3 | $ 221,000 | $ 73,000 | $ 49,000 |
| Wright County Iowa | 3 | $ 142,000 | $ 47,000 | $ 56,000 |
| Collier County Florida | 2 | $ 95,000 | $ 47,000 | $ 82,000 |
| Carroll County Iowa | 2 | $ 105,000 | $ 52,000 | $ 25,000 |
| Cass County Iowa | 2 | $ 189,000 | $ 94,000 | $ 40,000 |
| Emmet County Iowa | 2 | $ 87,000 | $ 43,000 | $ 34,000 |
| Fayette County Iowa | 2 | $ 135,000 | $ 67,000 | $ 63,000 |
| Fremont County Iowa | 2 | $ 203,000 | $ 101,000 | $ 85,000 |
| Guthrie County Iowa | 2 | $ 226,000 | $ 113,000 | $ 61,000 |
| Jackson County Iowa | 2 | $ 192,000 | $ 96,000 | $ 54,000 |
| Jasper County Iowa | 2 | $ 98,000 | $ 49,000 | $ 51,000 |
| Kossuth County Iowa | 2 | $ 86,000 | $ 43,000 | $ 54,000 |
| Ringgold County Iowa | 2 | $ 491,000 | $ 245,000 | $ 134,000 |
| Shawnee County Kansas | 2 | $ 276,000 | $ 138,000 | $ 61,000 |
| Cass County Minnesota | 2 | $ 155,000 | $ 77,000 | $ 163,000 |
| Dakota County Minnesota | 2 | $ 363,000 | $ 181,000 | $ 43,000 |
| Jackson County Missouri | 2 | $ 958,000 | $ 479,000 | $ 349,000 |
| Otoe County Nebraska | 2 | $ 157,000 | $ 78,000 | $ 58,000 |
| Clark County Nevada | 2 | $ 155,000 | $ 77,000 | $ 105,000 |
| Pinal County Arizona | 1 | $ 109,000 | $ 109,000 | $ 121,000 |
| Marion County Florida | 1 | $ 40,000 | $ 40,000 | $ 105,000 |
| Monroe County Florida | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 1,167,000 | $ 1,167,000 | $ 409,000 |
| Warren County Illinois | 1 | $ 113,000 | $ 113,000 | $ 33,000 |
| Adair County Iowa | 1 | $ 20,000 | $ 20,000 | $ 60,000 |
| Calhoun County Iowa | 1 | $ 49,000 | $ 49,000 | $ 44,000 |
| Cedar County Iowa | 1 | $ 80,000 | $ 80,000 | $ 43,000 |
| Clarke County Iowa | 1 | $ 50,000 | $ 50,000 | $ 74,000 |
| Decatur County Iowa | 1 | $ 72,000 | $ 72,000 | $ 87,000 |
| Hamilton County Iowa | 1 | $ 100,000 | $ 100,000 | $ 218,000 |
| Jefferson County Iowa | 1 | $ 147,000 | $ 147,000 | $ 170,000 |
| Monroe County Iowa | 1 | $ 112,000 | $ 112,000 | $ 48,000 |
| Page County Iowa | 1 | $ 203,000 | $ 203,000 | $ 72,000 |
| Palo Alto County Iowa | 1 | $ 20,000 | $ 20,000 | $ 44,000 |
| Sac County Iowa | 1 | $ 17,000 | $ 17,000 | $ 81,000 |
| Washington County Iowa | 1 | $ 229,000 | $ 229,000 | $ 91,000 |
| Woodbury County Iowa | 1 | $ 229,000 | $ 229,000 | $ 151,000 |
| Osage County Kansas | 1 | $ 53,000 | $ 53,000 | $ 29,000 |
| Hennepin County Minnesota | 1 | $ 154,000 | $ 154,000 | $ 45,000 |
| Camden County Missouri | 1 | $ 386,000 | $ 386,000 | $ 111,000 |
| Morgan County Missouri | 1 | $ 335,000 | $ 335,000 | $ 278,000 |
| Lancaster County Nebraska | 1 | $ 94,000 | $ 94,000 | $ 46,000 |
| Washington County Nebraska | 1 | $ 69,000 | $ 69,000 | $ 61,000 |
| Wayne County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 31,000 |
| Washburn County Wisconsin | 1 | $ 260,000 | $ 260,000 | $ 157,000 |
| Waukesha County Wisconsin | 1 | $ 338,000 | $ 338,000 | $ 238,000 |
Mortgage Loan Application Detail Totals for Liberty Bank F.S.B. in 2010
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 | 1,073 | $151,437,000 | $141,000 | $1,300,000 | $84,000 | $1,486,000 |
| Home Purchase | 752 | $78,615,000 | $104,000 | $800,000 | $68,000 | $1,055,000 |
| Home Improvement | 225 | $6,074,000 | $26,000 | $285,000 | $69,000 | $446,000 |
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 | 1,758 | $198,433,000 | $112,000 | $1,245,000 | $79,000 | $1,486,000 |
| Not Provided | 103 | $10,670,000 | $103,000 | $800,000 | $102,000 | $672,000 |
| Hispanic | 85 | $7,986,000 | $93,000 | $417,000 | $53,000 | $280,000 |
| Not applicable | 62 | $13,787,000 | $222,000 | $1,300,000 | $0 | $0 |
| Asian | 21 | $2,345,000 | $111,000 | $232,000 | $86,000 | $292,000 |
| Black or African American | 14 | $1,787,000 | $127,000 | $336,000 | $66,000 | $136,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $441,000 | $110,000 | $207,000 | $79,000 | $172,000 |
| American Indian or Alaskan Native | 3 | $677,000 | $225,000 | $417,000 | $76,000 | $153,000 |
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) | 1,496 | $166,947,000 | $111,000 | $1,300,000 | $87,000 | $1,486,000 |
| FHA-insured (Federal Housing Administration) | 514 | $62,937,000 | $122,000 | $277,000 | $48,000 | $373,000 |
| VA-guaranteed (Veterans Administration) | 40 | $6,242,000 | $156,000 | $359,000 | $52,000 | $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 | 1,622 | $194,510,000 | $119,000 | $1,300,000 | $76,000 | $1,486,000 |
| Application Denied By Financial Institution | 212 | $19,471,000 | $91,000 | $735,000 | $66,000 | $595,000 |
| Application Withdrawn By Applicant | 204 | $20,016,000 | $98,000 | $541,000 | $85,000 | $513,000 |
| Application Approved But Not Accepted | 7 | $1,465,000 | $209,000 | $417,000 | $126,000 | $262,000 |
| File Closed For Incompleteness | 4 | $461,000 | $115,000 | $210,000 | $178,000 | $410,000 |
| Preapproval Denied by Financial Institution | 1 | $203,000 | $203,000 | $203,000 | $80,000 | $80,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 67 | $7,519,000 | $112,000 | $417,000 | $51,000 | $151,000 |
| Credit History | 63 | $3,510,000 | $55,000 | $280,000 | $60,000 | $144,000 |
| Collateral | 55 | $5,496,000 | $99,000 | $417,000 | $87,000 | $595,000 |
| Other | 12 | $1,583,000 | $131,000 | $735,000 | $115,000 | $269,000 |
| Employment History | 12 | $1,064,000 | $88,000 | $308,000 | $47,000 | $146,000 |
| Unverifiable Information | 2 | $270,000 | $135,000 | $230,000 | $45,000 | $59,000 |
| Credit Application Incomplete | 2 | $232,000 | $116,000 | $150,000 | $25,000 | $32,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Bank F.S.B.'s 2010 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.