Liberty Fs & La Mortgage Lending & HMDA Data, 2011
In 2011, Liberty Fs & La of Baltimore, MD reported 12 mortgage applications totaling $2.7 million. The average application was for $224,916, and applicants reported an average income of $103,333. 42% of its applications resulted in an originated loan and 33% were denied. Its largest market was Baltimore-Towson, MD (12).
| Mortgage Company & Address | Liberty Fs & La 5612 the Alameda Baltimore, MD 21239 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 |
| Total Number of Mortgage Applications | 12 |
| Total Mortgage Loan Application Amount | $2,699,000 |
| Average Mortgage Loan Application Amount | $224,916 |
| Highest Mortgage Loan Application Amount | $650,000 |
| Average Applicant Income | $103,333 |
| Highest Applicant Income | $220,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Liberty Fs & La filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Baltimore-Towson, MD | 12 | $ 2,699,000 | $ 224,916 | $ 103,000 |
Mortgage Loan Application Detail Totals for Liberty Fs & La 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 | 8 | $2,096,000 | $262,000 | $650,000 | $128,000 | $220,000 |
| Home Purchase | 4 | $603,000 | $150,000 | $284,000 | $54,000 | $113,000 |
| 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 | 10 | $2,520,000 | $252,000 | $650,000 | $119,000 | $220,000 |
| Black or African American | 2 | $179,000 | $89,000 | $91,000 | $27,000 | $27,000 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 12 | $2,699,000 | $224,000 | $650,000 | $103,000 | $220,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 5 | $1,181,000 | $236,000 | $650,000 | $119,000 | $195,000 |
| Application Denied By Financial Institution | 4 | $1,102,000 | $275,000 | $285,000 | $123,000 | $220,000 |
| Application Withdrawn By Applicant | 2 | $203,000 | $101,000 | $115,000 | $37,000 | $48,000 |
| Application Approved But Not Accepted | 1 | $213,000 | $213,000 | $213,000 | $79,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| Unverifiable Information | 2 | $549,000 | $274,000 | $284,000 | $135,000 | $220,000 |
| Collateral | 1 | $268,000 | $268,000 | $268,000 | $75,000 | $75,000 |
| Credit History | 1 | $285,000 | $285,000 | $285,000 | $150,000 | $150,000 |
| Debt-To-Income Ratio | 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 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Fs & La'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 Liberty Fs & La'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 Maryland, download the full spreadsheet
with aggregated HMDA statistics today.
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