Liberty Financial Group, Inc. Mortgage Lending & HMDA Data, 2006
In 2006, Liberty Financial Group, Inc. of Bellevue, WA reported 2,723 mortgage applications totaling $703.9 million, up 21% from 2005. The average application was for $258,492, and applicants reported an average income of $143,493. 94% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (1,235), Bremerton-Silverdale, WA (321) and Denver-Aurora, CO (176) (applications in parentheses).
| Mortgage Company & Address | Liberty Financial Group, Inc. 205 108th Ave Ne Ste. 270 Bellevue, WA 98004 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,723 |
| Total Mortgage Loan Application Amount | $703,876,000 |
| Average Mortgage Loan Application Amount | $258,492 |
| Highest Mortgage Loan Application Amount | $3,645,000 |
| Average Applicant Income | $143,493 |
| Highest Applicant Income | $5,670,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Liberty Financial Group, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Seattle-Bellevue-Everett, WA | 1,235 | $ 375,569,000 | $ 304,104 | $ 167,000 |
| Bremerton-Silverdale, WA | 321 | $ 78,322,000 | $ 243,993 | $ 84,000 |
| Denver-Aurora, CO | 176 | $ 33,777,000 | $ 191,914 | $ 139,000 |
| Tacoma, WA | 170 | $ 35,851,000 | $ 210,888 | $ 109,000 |
| Anchorage, AK | 128 | $ 33,527,000 | $ 261,929 | $ 139,000 |
| Olympia, WA | 62 | $ 11,038,000 | $ 178,032 | $ 78,000 |
| Spokane, WA | 34 | $ 5,302,000 | $ 155,941 | $ 77,000 |
| Las Vegas-Paradise, NV | 29 | $ 6,546,000 | $ 225,724 | $ 141,000 |
| Portland-Vancouver-Beaverton, OR-WA | 27 | $ 7,419,000 | $ 274,777 | $ 130,592 |
| Wenatchee, WA | 27 | $ 4,596,000 | $ 170,222 | $ 81,000 |
| Yakima, WA | 22 | $ 2,815,000 | $ 127,954 | $ 120,000 |
| Kennewick-Richland-Pasco, WA | 19 | $ 2,030,000 | $ 106,842 | $ 69,000 |
| Phoenix-Mesa-Scottsdale, AZ | 19 | $ 4,973,000 | $ 261,736 | $ 241,000 |
| Bellingham, WA | 16 | $ 4,687,000 | $ 292,937 | $ 140,000 |
| Boise City-Nampa, ID | 16 | $ 2,287,000 | $ 142,937 | $ 121,000 |
| Mount Vernon-Anacortes, WA | 16 | $ 3,314,000 | $ 207,125 | $ 66,000 |
| Los Angeles-Long Beach-Glendale, CA | 11 | $ 5,163,000 | $ 469,363 | $ 262,000 |
| Oklahoma City, OK | 9 | $ 1,029,000 | $ 114,333 | $ 89,000 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 3,194,000 | $ 354,888 | $ 254,000 |
| Boulder, CO | 7 | $ 2,167,000 | $ 309,571 | $ 97,000 |
| Longview, WA | 6 | $ 945,000 | $ 157,500 | $ 75,000 |
| San Diego-Carlsbad-San Marcos, CA | 6 | $ 2,198,000 | $ 366,333 | $ 596,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 2,519,000 | $ 419,833 | $ 272,000 |
| Bend, OR | 5 | $ 915,000 | $ 183,000 | $ 78,000 |
| Eugene-Springfield, OR | 5 | $ 964,000 | $ 192,800 | $ 71,000 |
| St. Louis, MO-IL | 5 | $ 1,045,000 | $ 209,000 | $ 126,000 |
| Chicago-Naperville-Joliet, IL | 4 | $ 1,671,000 | $ 417,750 | $ 1,433,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,231,000 | $ 307,750 | $ 87,000 |
| Salt Lake City, UT | 4 | $ 753,000 | $ 188,250 | $ 124,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 1,842,000 | $ 460,500 | $ 121,000 |
| Fairbanks, AK | 3 | $ 378,000 | $ 126,000 | $ 26,000 |
| Idaho Falls, ID | 3 | $ 676,000 | $ 225,333 | $ 138,000 |
| Nashville-Davidson--Murfreesboro, TN | 3 | $ 469,000 | $ 156,333 | $ 106,000 |
| Richmond, VA | 3 | $ 704,000 | $ 234,666 | $ 103,000 |
| Albuquerque, NM | 2 | $ 312,000 | $ 156,000 | $ 102,000 |
| Corvallis, OR | 2 | $ 448,000 | $ 224,000 | $ 91,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 155,000 | $ 77,500 | $ 65,000 |
| Fresno, CA | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Jacksonville, FL | 2 | $ 671,000 | $ 335,500 | $ 175,000 |
| Kansas City, MO-KS | 2 | $ 400,000 | $ 200,000 | $ 119,000 |
| Medford, OR | 2 | $ 562,000 | $ 281,000 | $ 276,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 1,084,000 | $ 542,000 | $ 120,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 176,000 | $ 88,000 | $ 42,000 |
| Pocatello, ID | 2 | $ 193,000 | $ 96,500 | $ 48,000 |
| Pueblo, CO | 2 | $ 155,000 | $ 77,500 | $ 45,000 |
| Raleigh-Cary, NC | 2 | $ 351,000 | $ 175,500 | $ 0 |
| Salem, OR | 2 | $ 299,000 | $ 149,500 | $ 0 |
| Tucson, AZ | 2 | $ 359,000 | $ 179,500 | $ 74,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 951,000 | $ 475,500 | $ 136,000 |
| Yuma, AZ | 2 | $ 146,000 | $ 73,000 | $ 0 |
| Akron, OH | 1 | $ 208,000 | $ 208,000 | $ 102,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 125,000 | $ 125,000 | $ 90,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 380,000 | $ 380,000 | $ 138,000 |
| Charleston-North Charleston, SC | 1 | $ 300,000 | $ 300,000 | $ 72,000 |
| Clarksville, TN-KY | 1 | $ 140,000 | $ 140,000 | $ 98,000 |
| Coeur D'Alene, ID | 1 | $ 207,000 | $ 207,000 | $ 61,000 |
| Colorado Springs, CO | 1 | $ 200,000 | $ 200,000 | $ 156,000 |
| Dallas-Plano-Irving, TX | 1 | $ 124,000 | $ 124,000 | $ 5,670,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 278,000 | $ 278,000 | $ 166,000 |
| Grand Junction, CO | 1 | $ 107,000 | $ 107,000 | $ 92,000 |
| Greeley, CO | 1 | $ 43,000 | $ 43,000 | $ 79,000 |
| Las Cruces, NM | 1 | $ 413,000 | $ 413,000 | $ 105,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 128,000 | $ 128,000 | $ 102,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 416,000 | $ 416,000 | $ 258,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 144,000 | $ 144,000 | $ 5,670,000 |
| Missoula, MT | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 112,000 | $ 112,000 | $ 181,000 |
| Orlando-Kissimmee, FL | 1 | $ 226,000 | $ 226,000 | $ 179,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 102,000 | $ 102,000 | $ 134,000 |
| Provo-Orem, UT | 1 | $ 254,000 | $ 254,000 | $ 72,000 |
| Reno-Sparks, NV | 1 | $ 153,000 | $ 153,000 | $ 57,000 |
| Rochester, MN | 1 | $ 129,000 | $ 129,000 | $ 48,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 315,000 | $ 315,000 | $ 216,000 |
| Salinas, CA | 1 | $ 447,000 | $ 447,000 | $ 118,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 1,050,000 | $ 1,050,000 | $ 244,000 |
| Santa Fe, NM | 1 | $ 238,000 | $ 238,000 | $ 135,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 880,000 | $ 880,000 | $ 234,000 |
| Springfield, MA | 1 | $ 182,000 | $ 182,000 | $ 80,000 |
| Tulsa, OK | 1 | $ 62,000 | $ 62,000 | $ 29,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 236,000 | $ 236,000 | $ 207,000 |
Mortgage Loan Application Detail Totals for Liberty Financial Group, Inc. in 2006
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 | 1,589 | $379,067,000 | $238,000 | $3,645,000 | $131,000 | $5,670,000 |
| Refinancing | 1,134 | $324,809,000 | $286,000 | $1,538,000 | $161,000 | $5,670,000 |
| 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 | 1,874 | $494,668,000 | $263,000 | $3,645,000 | $167,000 | $5,670,000 |
| Not Provided | 380 | $92,541,000 | $243,000 | $1,350,000 | $51,000 | $860,000 |
| Asian | 237 | $70,119,000 | $295,000 | $1,383,000 | $143,000 | $840,000 |
| Hispanic | 164 | $30,387,000 | $185,000 | $520,000 | $87,000 | $624,000 |
| Black or African American | 43 | $11,056,000 | $257,000 | $950,000 | $175,000 | $1,080,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,348,000 | $180,000 | $399,000 | $94,000 | $141,000 |
| American Indian or Alaskan Native | 12 | $2,757,000 | $229,000 | $572,000 | $115,000 | $419,000 |
| Not applicable | 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) | 2,676 | $694,406,000 | $259,000 | $3,645,000 | $145,000 | $5,670,000 |
| FHA-insured (Federal Housing Administration) | 36 | $7,244,000 | $201,000 | $342,000 | $62,000 | $143,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,226,000 | $202,000 | $320,000 | $54,000 | $102,000 |
| 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 | 2,564 | $667,727,000 | $260,000 | $3,645,000 | $145,000 | $5,670,000 |
| Application Approved But Not Accepted | 78 | $17,769,000 | $227,000 | $1,304,000 | $130,000 | $688,000 |
| Application Denied By Financial Institution | 48 | $10,145,000 | $211,000 | $1,040,000 | $109,000 | $474,000 |
| Application Withdrawn By Applicant | 23 | $5,267,000 | $229,000 | $557,000 | $112,000 | $1,080,000 |
| File Closed For Incompleteness | 10 | $2,968,000 | $296,000 | $626,000 | $95,000 | $192,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 2 | $296,000 | $148,000 | $238,000 | $110,000 | $161,000 |
| Collateral | 2 | $157,000 | $78,000 | $132,000 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Financial Group, Inc.'s 2006 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 Financial Group, Inc.'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 Washington, download the full spreadsheet
with aggregated HMDA statistics today.
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