Liberty Home Lending, Inc Mortgage Lending & HMDA Data, 2007
In 2007, Liberty Home Lending, Inc of Boca Raton, FL reported 2,473 mortgage applications totaling $570.6 million, down 20% from 2006. The average application was for $230,712, and applicants reported an average income of $116,459. 36% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Orlando-Kissimmee, FL (491), Fort Lauderdale-Pompano Beach-Deerfield Beach, FL (411) and Miami-Miami Beach-Kendall, FL (400) (applications in parentheses).
| Mortgage Company & Address | Liberty Home Lending, Inc 568 Yamato Road, 2nd Floor Boca Raton, FL 33431 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 2,473 |
| Total Mortgage Loan Application Amount | $570,551,000 |
| Average Mortgage Loan Application Amount | $230,712 |
| Highest Mortgage Loan Application Amount | $4,500,000 |
| Average Applicant Income | $116,459 |
| Highest Applicant Income | $3,595,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Liberty Home Lending, Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Broward, Florida | 411 | $ 108,203,000 | $ 263,267 | $ 124,000 |
| Miami-Dade, Florida | 400 | $ 91,493,000 | $ 228,732 | $ 118,000 |
| Orange, Florida | 399 | $ 75,304,000 | $ 188,731 | $ 109,000 |
| Palm Beach, Florida | 345 | $ 84,762,000 | $ 245,686 | $ 109,000 |
| Lee, Florida | 162 | $ 35,473,000 | $ 218,969 | $ 124,000 |
| Cook, Illinois | 72 | $ 17,049,000 | $ 236,791 | $ 124,000 |
| Hillsborough, Florida | 50 | $ 10,771,000 | $ 215,420 | $ 277,000 |
| Osceola, Florida | 48 | $ 10,162,000 | $ 211,708 | $ 73,000 |
| Seminole, Florida | 33 | $ 8,678,000 | $ 262,969 | $ 119,000 |
| Polk, Florida | 29 | $ 5,760,000 | $ 198,620 | $ 121,000 |
| Marion, Florida | 27 | $ 5,613,000 | $ 207,888 | $ 122,000 |
| Collier, Florida | 25 | $ 6,469,000 | $ 258,760 | $ 121,000 |
| Manatee, Florida | 23 | $ 4,541,000 | $ 197,434 | $ 84,000 |
| Gwinnett, Georgia | 23 | $ 7,634,000 | $ 331,913 | $ 125,000 |
| St. Lucie, Florida | 20 | $ 4,082,000 | $ 204,100 | $ 111,000 |
| Fulton, Georgia | 19 | $ 4,358,000 | $ 229,368 | $ 101,000 |
| Pasco, Florida | 18 | $ 3,301,000 | $ 183,388 | $ 98,000 |
| DeKalb, Georgia | 18 | $ 3,308,000 | $ 183,777 | $ 73,000 |
| Cobb, Georgia | 17 | $ 3,492,000 | $ 205,411 | $ 62,000 |
| Pinellas, Florida | 15 | $ 2,392,000 | $ 159,466 | $ 74,000 |
| Brevard, Florida | 13 | $ 2,740,000 | $ 210,769 | $ 84,000 |
| Duval, Florida | 13 | $ 2,026,000 | $ 155,846 | $ 115,000 |
| Forsyth, Georgia | 13 | $ 3,108,000 | $ 239,076 | $ 100,000 |
| Lake, Florida | 11 | $ 2,421,000 | $ 220,090 | $ 98,000 |
| Shelby, Tennessee | 10 | $ 919,000 | $ 91,900 | $ 146,000 |
| Sarasota, Florida | 9 | $ 2,369,000 | $ 263,222 | $ 70,000 |
| Henry, Georgia | 9 | $ 1,238,000 | $ 137,555 | $ 52,000 |
| DuPage, Illinois | 9 | $ 1,743,000 | $ 193,666 | $ 62,000 |
| Will, Illinois | 8 | $ 2,134,000 | $ 266,750 | $ 105,000 |
| Berkeley, South Carolina | 8 | $ 1,636,000 | $ 204,500 | $ 60,000 |
| Charleston, South Carolina | 8 | $ 2,142,000 | $ 267,750 | $ 108,000 |
| Citrus, Florida | 7 | $ 1,097,000 | $ 156,714 | $ 103,000 |
| Escambia, Florida | 7 | $ 4,014,000 | $ 573,428 | $ 142,000 |
| Volusia, Florida | 7 | $ 1,355,000 | $ 193,571 | $ 65,000 |
| Alachua, Florida | 6 | $ 860,000 | $ 143,333 | $ 104,000 |
| Highlands, Florida | 6 | $ 840,000 | $ 140,000 | $ 209,000 |
| Kane, Illinois | 6 | $ 1,532,000 | $ 255,333 | $ 139,000 |
| Riverside, California | 5 | $ 1,671,000 | $ 334,200 | $ 100,000 |
| Rockdale, Georgia | 5 | $ 1,271,000 | $ 254,200 | $ 66,000 |
| Los Angeles, California | 4 | $ 2,793,000 | $ 698,250 | $ 309,000 |
| Fairfield, Connecticut | 4 | $ 770,000 | $ 192,500 | $ 70,000 |
| Hernando, Florida | 4 | $ 413,000 | $ 103,250 | $ 101,000 |
| Clayton, Georgia | 4 | $ 427,000 | $ 106,750 | $ 26,000 |
| Douglas, Georgia | 4 | $ 906,000 | $ 226,500 | $ 144,000 |
| Mecklenburg, North Carolina | 4 | $ 1,030,000 | $ 257,500 | $ 89,000 |
| San Diego, California | 3 | $ 1,141,000 | $ 380,333 | $ 128,000 |
| Litchfield, Connecticut | 3 | $ 2,393,000 | $ 797,666 | $ 61,000 |
| Leon, Florida | 3 | $ 734,000 | $ 244,666 | $ 61,000 |
| Monroe, Florida | 3 | $ 3,338,000 | $ 1,112,666 | $ 498,000 |
| Cherokee, Georgia | 3 | $ 898,000 | $ 299,333 | $ 168,000 |
| Hall, Georgia | 3 | $ 552,000 | $ 184,000 | $ 80,000 |
| Paulding, Georgia | 3 | $ 424,000 | $ 141,333 | $ 69,000 |
| Wayne, Michigan | 3 | $ 295,000 | $ 98,333 | $ 70,000 |
| Dorchester, South Carolina | 3 | $ 490,000 | $ 163,333 | $ 61,000 |
| Laurens, South Carolina | 3 | $ 506,000 | $ 168,666 | $ 91,000 |
| Baldwin, Alabama | 2 | $ 526,000 | $ 263,000 | $ 199,000 |
| Mobile, Alabama | 2 | $ 283,000 | $ 141,500 | $ 56,000 |
| Kern, California | 2 | $ 447,000 | $ 223,500 | $ 64,000 |
| Orange, California | 2 | $ 690,000 | $ 345,000 | $ 124,000 |
| Adams, Colorado | 2 | $ 968,000 | $ 484,000 | $ 267,000 |
| New Haven, Connecticut | 2 | $ 656,000 | $ 328,000 | $ 107,000 |
| Charlotte, Florida | 2 | $ 302,000 | $ 151,000 | $ 37,000 |
| Flagler, Florida | 2 | $ 1,129,000 | $ 564,500 | $ 166,000 |
| Sumter, Florida | 2 | $ 251,000 | $ 125,500 | $ 166,000 |
| Fannin, Georgia | 2 | $ 493,000 | $ 246,500 | $ 144,000 |
| Habersham, Georgia | 2 | $ 133,000 | $ 66,500 | $ 59,000 |
| Pickens, Georgia | 2 | $ 475,000 | $ 237,500 | $ 246,000 |
| Putnam, Georgia | 2 | $ 338,000 | $ 169,000 | $ 136,000 |
| Canyon, Idaho | 2 | $ 323,000 | $ 161,500 | $ 72,000 |
| Bristol, Massachusetts | 2 | $ 448,000 | $ 224,000 | $ 68,000 |
| George, Mississippi | 2 | $ 292,000 | $ 146,000 | $ 0 |
| Hinds, Mississippi | 2 | $ 125,000 | $ 62,500 | $ 32,000 |
| Gaston, North Carolina | 2 | $ 156,000 | $ 78,000 | $ 30,000 |
| Onslow, North Carolina | 2 | $ 328,000 | $ 164,000 | $ 101,000 |
| Pitt, North Carolina | 2 | $ 203,000 | $ 101,500 | $ 62,000 |
| Lexington, South Carolina | 2 | $ 378,000 | $ 189,000 | $ 89,000 |
| Richland, South Carolina | 2 | $ 145,000 | $ 72,500 | $ 0 |
| Sevier, Tennessee | 2 | $ 476,000 | $ 238,000 | $ 109,000 |
| Franklin, Virginia | 2 | $ 140,000 | $ 70,000 | $ 46,000 |
| Jefferson, Alabama | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Marshall, Alabama | 1 | $ 54,000 | $ 54,000 | $ 27,000 |
| San Bernardino, California | 1 | $ 344,000 | $ 344,000 | $ 125,000 |
| Arapahoe, Colorado | 1 | $ 1,080,000 | $ 1,080,000 | $ 724,000 |
| Hartford, Connecticut | 1 | $ 236,000 | $ 236,000 | $ 61,000 |
| Middlesex, Connecticut | 1 | $ 1,000,000 | $ 1,000,000 | $ 540,000 |
| New London, Connecticut | 1 | $ 192,000 | $ 192,000 | $ 41,000 |
| Tolland, Connecticut | 1 | $ 248,000 | $ 248,000 | $ 42,000 |
| Clay, Florida | 1 | $ 122,000 | $ 122,000 | $ 118,000 |
| Dixie, Florida | 1 | $ 154,000 | $ 154,000 | $ 54,000 |
| Glades, Florida | 1 | $ 308,000 | $ 308,000 | $ 95,000 |
| Indian River, Florida | 1 | $ 188,000 | $ 188,000 | $ 83,000 |
| Martin, Florida | 1 | $ 300,000 | $ 300,000 | $ 87,000 |
| Okeechobee, Florida | 1 | $ 160,000 | $ 160,000 | $ 30,000 |
| Santa Rosa, Florida | 1 | $ 135,000 | $ 135,000 | $ 111,000 |
| Walton, Florida | 1 | $ 180,000 | $ 180,000 | $ 50,000 |
| Barrow, Georgia | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Camden, Georgia | 1 | $ 182,000 | $ 182,000 | $ 54,000 |
| Columbia, Georgia | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Glynn, Georgia | 1 | $ 1,155,000 | $ 1,155,000 | $ 420,000 |
| Greene, Georgia | 1 | $ 275,000 | $ 275,000 | $ 301,000 |
| Newton, Georgia | 1 | $ 201,000 | $ 201,000 | $ 37,000 |
| Whitfield, Georgia | 1 | $ 448,000 | $ 448,000 | $ 257,000 |
| Kankakee, Illinois | 1 | $ 208,000 | $ 208,000 | $ 120,000 |
| Lake, Illinois | 1 | $ 326,000 | $ 326,000 | $ 119,000 |
| McHenry, Illinois | 1 | $ 265,000 | $ 265,000 | $ 196,000 |
| Vermilion, Illinois | 1 | $ 172,000 | $ 172,000 | $ 68,000 |
| Clark, Indiana | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Hamilton, Indiana | 1 | $ 723,000 | $ 723,000 | $ 406,000 |
| Lake, Indiana | 1 | $ 198,000 | $ 198,000 | $ 62,000 |
| Marion, Indiana | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Barnstable, Massachusetts | 1 | $ 264,000 | $ 264,000 | $ 77,000 |
| Middlesex, Massachusetts | 1 | $ 311,000 | $ 311,000 | $ 105,000 |
| Norfolk, Massachusetts | 1 | $ 185,000 | $ 185,000 | $ 61,000 |
| Plymouth, Massachusetts | 1 | $ 290,000 | $ 290,000 | $ 87,000 |
| Suffolk, Massachusetts | 1 | $ 132,000 | $ 132,000 | $ 36,000 |
| Worcester, Massachusetts | 1 | $ 293,000 | $ 293,000 | $ 109,000 |
| Bolivar, Mississippi | 1 | $ 162,000 | $ 162,000 | $ 210,000 |
| Madison, Mississippi | 1 | $ 124,000 | $ 124,000 | $ 96,000 |
| Rankin, Mississippi | 1 | $ 146,000 | $ 146,000 | $ 87,000 |
| St. Louis, Missouri | 1 | $ 102,000 | $ 102,000 | $ 216,000 |
| Middlesex, New Jersey | 1 | $ 234,000 | $ 234,000 | $ 92,000 |
| Alamance, North Carolina | 1 | $ 214,000 | $ 214,000 | $ 63,000 |
| Edgecombe, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 107,000 |
| Iredell, North Carolina | 1 | $ 650,000 | $ 650,000 | $ 141,000 |
| New Hanover, North Carolina | 1 | $ 559,000 | $ 559,000 | $ 189,000 |
| Pender, North Carolina | 1 | $ 828,000 | $ 828,000 | $ 180,000 |
| Wake, North Carolina | 1 | $ 81,000 | $ 81,000 | $ 79,000 |
| Wilson, North Carolina | 1 | $ 184,000 | $ 184,000 | $ 81,000 |
| Cherokee, South Carolina | 1 | $ 84,000 | $ 84,000 | $ 22,000 |
| Horry, South Carolina | 1 | $ 126,000 | $ 126,000 | $ 32,000 |
| Kershaw, South Carolina | 1 | $ 141,000 | $ 141,000 | $ 81,000 |
| Pickens, South Carolina | 1 | $ 129,000 | $ 129,000 | $ 73,000 |
| Spartanburg, South Carolina | 1 | $ 150,000 | $ 150,000 | $ 35,000 |
| York, South Carolina | 1 | $ 123,000 | $ 123,000 | $ 30,000 |
| Lancaster, Virginia | 1 | $ 211,000 | $ 211,000 | $ 150,000 |
| Virginia Beach, Virginia | 1 | $ 558,000 | $ 558,000 | $ 138,000 |
Mortgage Loan Application Detail Totals for Liberty Home Lending, Inc in 2007
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 | 1,876 | $420,087,000 | $223,000 | $4,500,000 | $121,000 | $3,595,000 |
| Home Improvement | 360 | $94,183,000 | $261,000 | $3,000,000 | $101,000 | $1,354,000 |
| Refinancing | 237 | $56,281,000 | $237,000 | $1,455,000 | $104,000 | $2,280,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 1,001 | $218,214,000 | $217,000 | $2,040,000 | $107,000 | $939,000 |
| White | 822 | $219,165,000 | $266,000 | $4,500,000 | $144,000 | $3,595,000 |
| Black or African American | 512 | $98,551,000 | $192,000 | $1,108,000 | $88,000 | $2,280,000 |
| Asian | 65 | $15,251,000 | $234,000 | $1,000,000 | $119,000 | $938,000 |
| Not Provided | 61 | $16,712,000 | $273,000 | $2,255,000 | $145,000 | $848,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $2,264,000 | $251,000 | $482,000 | $82,000 | $155,000 |
| American Indian or Alaskan Native | 3 | $394,000 | $131,000 | $154,000 | $53,000 | $54,000 |
| 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) | 2,469 | $569,582,000 | $230,000 | $4,500,000 | $117,000 | $3,595,000 |
| FHA-insured (Federal Housing Administration) | 4 | $969,000 | $242,000 | $309,000 | $68,000 | $79,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 1,436 | $326,570,000 | $227,000 | $2,500,000 | $122,000 | $2,280,000 |
| Loan Originated | 894 | $204,823,000 | $229,000 | $4,500,000 | $111,000 | $3,595,000 |
| Application Denied By Financial Institution | 143 | $39,158,000 | $273,000 | $3,000,000 | $96,000 | $827,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 143 | $39,158,000 | $273,000 | $3,000,000 | $96,000 | $827,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Home Lending, Inc's 2007 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 Home Lending, 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.
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