Liberty Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Liberty Bank 2004 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 4625 S. National Springfield, MO 65810 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 971 |
| Total Mortgage Loan Application Amount | $90,979,000 |
| Average Mortgage Loan Application Amount | $70,750 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $39,750 |
| Highest Applicant Income | $1,564,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Liberty Bank. 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's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Liberty Bank'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 serves its applicants.
Each category highlights the total number of mortgage applications processed by Liberty Bank, 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's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Greene County Missouri | 376 | $ 40,818,000 | $ 108,000 | $ 55,000 |
| Christian County Missouri | 148 | $ 15,287,000 | $ 103,000 | $ 52,000 |
| Cedar County Missouri | 117 | $ 7,344,000 | $ 62,000 | $ 58,000 |
| Lawrence County Missouri | 95 | $ 7,573,000 | $ 79,000 | $ 35,000 |
| Webster County Missouri | 67 | $ 5,046,000 | $ 75,000 | $ 43,000 |
| Dade County Missouri | 58 | $ 4,451,000 | $ 76,000 | $ 51,000 |
| Polk County Missouri | 19 | $ 2,790,000 | $ 146,000 | $ 59,000 |
| Vernon County Missouri | 16 | $ 772,000 | $ 48,000 | $ 49,000 |
| Stone County Missouri | 15 | $ 1,772,000 | $ 118,000 | $ 117,000 |
| Jasper County Missouri | 8 | $ 1,280,000 | $ 160,000 | $ 60,000 |
| Taney County Missouri | 8 | $ 866,000 | $ 108,000 | $ 55,000 |
| Barry County Missouri | 7 | $ 444,000 | $ 63,000 | $ 65,000 |
| Barton County Missouri | 6 | $ 413,000 | $ 68,000 | $ 59,000 |
| Laclede County Missouri | 6 | $ 431,000 | $ 71,000 | $ 41,000 |
| St. Clair County Missouri | 5 | $ 342,000 | $ 68,000 | $ 41,000 |
| Wright County Missouri | 4 | $ 285,000 | $ 71,000 | $ 89,000 |
| Dallas County Missouri | 3 | $ 152,000 | $ 50,000 | $ 27,000 |
| Newton County Missouri | 2 | $ 124,000 | $ 62,000 | $ 79,000 |
| Benton County Arkansas | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Boone County Missouri | 1 | $ 110,000 | $ 110,000 | $ 125,000 |
| Camden County Missouri | 1 | $ 70,000 | $ 70,000 | $ 51,000 |
| Cass County Missouri | 1 | $ 81,000 | $ 81,000 | $ 27,000 |
| Crawford County Missouri | 1 | $ 112,000 | $ 112,000 | $ 30,000 |
| Douglas County Missouri | 1 | $ 40,000 | $ 40,000 | $ 23,000 |
| Henry County Missouri | 1 | $ 25,000 | $ 25,000 | $ 25,000 |
| Hickory County Missouri | 1 | $ 36,000 | $ 36,000 | $ 41,000 |
| Jackson County Missouri | 1 | $ 3,000 | $ 3,000 | $ 62,000 |
| Lafayette County Missouri | 1 | $ 202,000 | $ 202,000 | $ 53,000 |
| Mercer County Missouri | 1 | $ 54,000 | $ 54,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Liberty Bank in 2004
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 461 | $39,974,000 | $71,000 | $2,000,000 | $23,000 | $1,564,000 |
| Refinancing | 455 | $49,163,000 | $108,000 | $750,000 | $65,000 | $704,000 |
| Home Improvement | 55 | $1,842,000 | $33,000 | $200,000 | $48,000 | $149,000 |
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 | 856 | $78,950,000 | $92,000 | $750,000 | $57,000 | $1,564,000 |
| Not Provided | 66 | $4,295,000 | $65,000 | $420,000 | $59,000 | $296,000 |
| Not applicable | 29 | $6,190,000 | $137,500 | $2,000,000 | $0 | $42,000 |
| Hispanic | 14 | $1,049,000 | $74,000 | $170,000 | $37,000 | $62,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $174,000 | $87,000 | $105,000 | $68,000 | $96,000 |
| Asian | 2 | $176,000 | $88,000 | $140,000 | $75,000 | $89,000 |
| Black or African American | 1 | $78,000 | $78,000 | $78,000 | $45,000 | $45,000 |
| American Indian or Alaskan Native | 1 | $67,000 | $67,000 | $67,000 | $20,000 | $20,000 |
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) | 920 | $85,577,000 | $74,500 | $2,000,000 | $28,000 | $1,564,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $2,262,000 | $102,000 | $170,000 | $35,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,791,000 | $119,000 | $243,000 | $52,000 | $84,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,349,000 | $96,000 | $157,000 | $31,000 | $53,000 |
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 | 763 | $72,218,000 | $75,000 | $2,000,000 | $28,500 | $1,564,000 |
| Application Denied By Financial Institution | 113 | $8,322,000 | $73,000 | $300,000 | $46,000 | $379,000 |
| Application Approved But Not Accepted | 79 | $8,248,000 | $104,000 | $600,000 | $57,000 | $400,000 |
| Application Withdrawn By Applicant | 16 | $2,191,000 | $136,000 | $750,000 | $51,000 | $156,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 65 | $4,485,000 | $69,000 | $300,000 | $37,000 | $379,000 |
| Debt-To-Income Ratio | 23 | $1,800,000 | $78,000 | $189,000 | $49,000 | $248,000 |
| Collateral | 12 | $1,227,000 | $102,000 | $170,000 | $53,000 | $120,000 |
| Other | 7 | $409,000 | $58,000 | $86,000 | $56,000 | $192,000 |
| Employment History | 3 | $226,000 | $75,000 | $123,000 | $53,000 | $114,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $116,000 | $58,000 | $65,000 | $37,000 | $38,000 |
| Unverifiable Information | 1 | $59,000 | $59,000 | $59,000 | $120,000 | $120,000 |
| Credit Application Incomplete | 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's 2004 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'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.