Liberty Savings Bank, FSB Mortgage Lending & HMDA Data, 2010
In 2010, Liberty Savings Bank, FSB of Wilmington, OH reported 3,888 mortgage applications totaling $657.2 million, down 45% from 2009. The average application was for $169,024, and applicants reported an average income of $81,479. 62% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (665), Cincinnati-Middletown, OH-KY-IN (459) and Dayton, OH (406) (applications in parentheses).
| Mortgage Company & Address | Liberty Savings Bank, FSB 2251 Rombach Ave. Wilmington, OH 45177 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 | 3,888 |
| Total Mortgage Loan Application Amount | $657,167,000 |
| Average Mortgage Loan Application Amount | $169,024 |
| Highest Mortgage Loan Application Amount | $1,495,000 |
| Average Applicant Income | $81,479 |
| Highest Applicant Income | $1,975,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Liberty Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Denver-Aurora-Broomfield, CO | 665 | $ 149,556,000 | $ 224,896 | $ 97,000 |
| Cincinnati-Middletown, OH-KY-IN | 459 | $ 67,528,000 | $ 147,119 | $ 67,877 |
| Dayton, OH | 406 | $ 50,564,000 | $ 124,541 | $ 77,000 |
| Columbus, OH | 258 | $ 41,406,000 | $ 160,488 | $ 69,000 |
| North Port-Bradenton-Sarasota, FL | 249 | $ 42,786,000 | $ 171,831 | $ 113,000 |
| St. Louis, MO-IL | 146 | $ 28,266,000 | $ 193,602 | $ 107,438 |
| Cleveland-Elyria-Mentor, OH | 135 | $ 21,268,000 | $ 157,540 | $ 69,000 |
| Tampa-St. Petersburg-Clearwater, FL | 114 | $ 19,785,000 | $ 173,552 | $ 93,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 103 | $ 20,819,000 | $ 202,126 | $ 75,000 |
| Akron, OH | 50 | $ 7,335,000 | $ 146,700 | $ 58,000 |
| Canton-Massillon, OH | 44 | $ 5,556,000 | $ 126,272 | $ 69,000 |
| Boulder, CO | 34 | $ 7,641,000 | $ 224,735 | $ 88,000 |
| Colorado Springs, CO | 30 | $ 6,682,000 | $ 222,733 | $ 81,000 |
| Cape Coral-Fort Myers, FL | 26 | $ 3,500,000 | $ 134,615 | $ 71,000 |
| Springfield, OH | 24 | $ 2,571,000 | $ 107,125 | $ 47,000 |
| Warren-Troy-Farmington Hills, MI | 24 | $ 4,692,000 | $ 195,500 | $ 112,000 |
| Fort Wayne, IN | 23 | $ 2,884,000 | $ 125,391 | $ 58,000 |
| Toledo, OH | 23 | $ 3,218,000 | $ 139,913 | $ 77,000 |
| Erie, PA | 21 | $ 2,405,000 | $ 114,523 | $ 49,000 |
| Indianapolis-Carmel, IN | 20 | $ 3,394,000 | $ 169,700 | $ 84,000 |
| Youngstown-Warren-Boardman, OH-PA | 19 | $ 2,743,000 | $ 144,368 | $ 65,000 |
| Greeley, CO | 18 | $ 4,103,000 | $ 227,944 | $ 89,000 |
| Evansville, IN-KY | 16 | $ 2,098,000 | $ 131,125 | $ 65,875 |
| Pensacola-Ferry Pass-Brent, FL | 15 | $ 2,511,000 | $ 167,400 | $ 84,000 |
| Fort Collins-Loveland, CO | 13 | $ 2,296,000 | $ 176,615 | $ 75,000 |
| Lexington-Fayette, KY | 13 | $ 1,912,000 | $ 147,076 | $ 52,000 |
| Lakeland-Winter Haven, FL | 11 | $ 1,057,000 | $ 96,090 | $ 68,000 |
| Lima, OH | 11 | $ 1,143,000 | $ 103,909 | $ 98,000 |
| Louisville-Jefferson County, KY-IN | 11 | $ 1,541,000 | $ 140,090 | $ 48,181 |
| Punta Gorda, FL | 11 | $ 1,150,000 | $ 104,545 | $ 68,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 1,508,000 | $ 150,800 | $ 96,000 |
| Mansfield, OH | 10 | $ 969,000 | $ 96,900 | $ 46,000 |
| Rockford, IL | 10 | $ 1,151,000 | $ 115,100 | $ 55,000 |
| Tallahassee, FL | 10 | $ 1,398,000 | $ 139,800 | $ 62,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | $ 1,973,000 | $ 219,222 | $ 75,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 2,173,000 | $ 241,444 | $ 79,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 1,649,000 | $ 183,222 | $ 103,000 |
| Naples-Marco Island, FL | 8 | $ 2,452,000 | $ 306,500 | $ 212,000 |
| Harrisburg-Carlisle, PA | 7 | $ 938,000 | $ 134,000 | $ 59,000 |
| Jacksonville, FL | 7 | $ 1,591,000 | $ 227,285 | $ 67,000 |
| Pueblo, CO | 7 | $ 1,109,000 | $ 158,428 | $ 106,000 |
| Springfield, MO | 7 | $ 1,238,000 | $ 176,857 | $ 72,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 1,440,000 | $ 205,714 | $ 78,000 |
| Albuquerque, NM | 6 | $ 1,438,000 | $ 239,666 | $ 116,000 |
| Charleston, WV | 6 | $ 666,000 | $ 111,000 | $ 43,000 |
| Chicago-Joliet-Naperville, IL | 6 | $ 912,000 | $ 152,000 | $ 84,000 |
| Knoxville, TN | 6 | $ 1,155,000 | $ 192,500 | $ 43,000 |
| Sandusky, OH | 6 | $ 816,000 | $ 136,000 | $ 59,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 5 | $ 1,081,000 | $ 216,200 | $ 71,000 |
| Detroit-Livonia-Dearborn, MI | 5 | $ 990,000 | $ 198,000 | $ 76,000 |
| Gainesville, FL | 5 | $ 541,000 | $ 108,200 | $ 39,000 |
| Kansas City, MO-KS | 5 | $ 640,000 | $ 128,000 | $ 60,800 |
| Peoria, IL | 5 | $ 671,000 | $ 134,200 | $ 80,000 |
| Pittsburgh, PA | 5 | $ 834,000 | $ 166,800 | $ 63,000 |
| York-Hanover, PA | 5 | $ 845,000 | $ 169,000 | $ 99,000 |
| Cedar Rapids, IA | 4 | $ 611,000 | $ 152,750 | $ 62,000 |
| Memphis, TN-MS-AR | 4 | $ 957,000 | $ 239,250 | $ 102,000 |
| Ocala, FL | 4 | $ 547,000 | $ 136,750 | $ 63,000 |
| Philadelphia, PA | 4 | $ 823,000 | $ 205,750 | $ 74,000 |
| Elkhart-Goshen, IN | 3 | $ 320,000 | $ 106,666 | $ 46,000 |
| Grand Junction, CO | 3 | $ 579,000 | $ 193,000 | $ 22,000 |
| Kokomo, IN | 3 | $ 318,000 | $ 106,000 | $ 42,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 565,000 | $ 188,333 | $ 46,000 |
| Phoenix-Mesa-Glendale, AZ | 3 | $ 466,000 | $ 155,333 | $ 38,000 |
| Port St. Lucie, FL | 3 | $ 325,000 | $ 108,333 | $ 56,000 |
| Salt Lake City, UT | 3 | $ 1,244,000 | $ 414,666 | $ 52,000 |
| Bowling Green, KY | 2 | $ 385,000 | $ 192,500 | $ 47,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 158,000 | $ 79,000 | $ 175,000 |
| Chattanooga, TN-GA | 2 | $ 287,000 | $ 143,500 | $ 78,000 |
| Columbia, SC | 2 | $ 261,000 | $ 130,500 | $ 40,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 684,000 | $ 342,000 | $ 211,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 145,000 | $ 72,500 | $ 45,500 |
| Johnson City, TN | 2 | $ 471,000 | $ 235,500 | $ 51,000 |
| Lafayette, IN | 2 | $ 154,000 | $ 77,000 | $ 36,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 672,000 | $ 336,000 | $ 48,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 351,000 | $ 175,500 | $ 47,000 |
| Lancaster, PA | 2 | $ 492,000 | $ 246,000 | $ 100,000 |
| Monroe, MI | 2 | $ 301,000 | $ 150,500 | $ 37,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 2 | $ 422,000 | $ 211,000 | $ 45,000 |
| Oakland-Fremont-Hayward, CA | 2 | $ 325,000 | $ 162,500 | $ 252,000 |
| Ogden-Clearfield, UT | 2 | $ 366,000 | $ 183,000 | $ 65,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 356,000 | $ 178,000 | $ 45,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 2 | $ 392,000 | $ 196,000 | $ 100,000 |
| Provo-Orem, UT | 2 | $ 457,000 | $ 228,500 | $ 60,000 |
| Rochester, MN | 2 | $ 290,000 | $ 145,000 | $ 94,000 |
| St. Cloud, MN | 2 | $ 347,000 | $ 173,500 | $ 71,000 |
| St. George, UT | 2 | $ 384,000 | $ 192,000 | $ 50,000 |
| Yuma, AZ | 2 | $ 254,000 | $ 127,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 1 | $ 105,000 | $ 105,000 | $ 163,000 |
| Asheville, NC | 1 | $ 231,000 | $ 231,000 | $ 84,000 |
| Athens-Clarke County, GA | 1 | $ 356,000 | $ 356,000 | $ 99,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 187,000 | $ 187,000 | $ 35,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 149,000 | $ 149,000 | $ 101,000 |
| Bethesda-Rockville-Frederick, MD | 1 | $ 391,000 | $ 391,000 | $ 132,000 |
| Burlington, NC | 1 | $ 92,000 | $ 92,000 | $ 81,000 |
| Casper, WY | 1 | $ 138,000 | $ 138,000 | $ 23,000 |
| Champaign-Urbana, IL | 1 | $ 344,000 | $ 344,000 | $ 98,000 |
| Charleston-North Charleston-Summerville, SC | 1 | $ 316,000 | $ 316,000 | $ 67,000 |
| Clarksville, TN-KY | 1 | $ 139,000 | $ 139,000 | $ 27,000 |
| Columbus, IN | 1 | $ 94,000 | $ 94,000 | $ 33,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 75,000 | $ 75,000 | $ 120,000 |
| Decatur, IL | 1 | $ 275,000 | $ 275,000 | $ 206,000 |
| Des Moines-West Des Moines, IA | 1 | $ 176,000 | $ 176,000 | $ 115,000 |
| Durham-Chapel Hill, NC | 1 | $ 259,000 | $ 259,000 | $ 144,000 |
| Eau Claire, WI | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Elizabethtown, KY | 1 | $ 142,000 | $ 142,000 | $ 41,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 340,000 | $ 340,000 | $ 84,000 |
| Gary, IN | 1 | $ 74,000 | $ 74,000 | $ 26,000 |
| Greensboro-High Point, NC | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Greenville-Mauldin-Easley, SC | 1 | $ 134,000 | $ 134,000 | $ 40,000 |
| Hickory-Lenoir-Morganton, NC | 1 | $ 92,000 | $ 92,000 | $ 65,000 |
| Jackson, TN | 1 | $ 267,000 | $ 267,000 | $ 93,000 |
| Janesville, WI | 1 | $ 338,000 | $ 338,000 | $ 82,000 |
| Kankakee-Bradley, IL | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 141,000 | $ 141,000 | $ 85,000 |
| Lawrence, KS | 1 | $ 90,000 | $ 90,000 | $ 80,000 |
| Lebanon, PA | 1 | $ 286,000 | $ 286,000 | $ 97,000 |
| Madison, WI | 1 | $ 195,000 | $ 195,000 | $ 57,000 |
| Mankato-North Mankato, MN | 1 | $ 212,000 | $ 212,000 | $ 0 |
| Morristown, TN | 1 | $ 144,000 | $ 144,000 | $ 112,000 |
| Muncie, IN | 1 | $ 86,000 | $ 86,000 | $ 19,000 |
| Newark-Union, NJ-PA | 1 | $ 325,000 | $ 325,000 | $ 150,000 |
| Ocean City, NJ | 1 | $ 195,000 | $ 195,000 | $ 109,000 |
| Oklahoma City, OK | 1 | $ 39,000 | $ 39,000 | $ 78,000 |
| Prescott, AZ | 1 | $ 200,000 | $ 200,000 | $ 48,000 |
| Racine, WI | 1 | $ 209,000 | $ 209,000 | $ 110,000 |
| Reading, PA | 1 | $ 179,000 | $ 179,000 | $ 94,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 182,000 | $ 182,000 | $ 155,000 |
| Santa Fe, NM | 1 | $ 205,000 | $ 205,000 | $ 69,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 114,000 | $ 114,000 | $ 39,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 179,000 | $ 179,000 | $ 221,000 |
| Terre Haute, IN | 1 | $ 111,000 | $ 111,000 | $ 62,000 |
| Tucson, AZ | 1 | $ 145,000 | $ 145,000 | $ 295,000 |
| Vallejo-Fairfield, CA | 1 | $ 89,000 | $ 89,000 | $ 82,000 |
| Victoria, TX | 1 | $ 47,000 | $ 47,000 | $ 21,000 |
| Wausau, WI | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 180,000 | $ 180,000 | $ 82,000 |
| Winchester, VA-WV | 1 | $ 220,000 | $ 220,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Liberty Savings Bank, FSB 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 | 2,530 | $457,116,000 | $180,000 | $1,495,000 | $86,000 | $911,000 |
| Home Purchase | 1,345 | $199,829,000 | $148,000 | $996,000 | $73,000 | $1,975,000 |
| Home Improvement | 13 | $222,000 | $17,000 | $65,000 | $79,000 | $336,000 |
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 | 3,238 | $557,902,000 | $172,000 | $1,495,000 | $86,000 | $1,975,000 |
| Black or African American | 168 | $20,557,000 | $122,000 | $393,000 | $56,000 | $203,000 |
| Not Provided | 142 | $23,082,000 | $162,000 | $996,000 | $82,000 | $687,000 |
| Not applicable | 114 | $17,961,000 | $157,000 | $676,000 | $0 | $0 |
| Hispanic | 113 | $16,706,000 | $147,000 | $359,000 | $57,000 | $295,000 |
| Asian | 100 | $18,988,000 | $189,000 | $417,000 | $97,000 | $396,000 |
| American Indian or Alaskan Native | 12 | $1,918,000 | $159,000 | $352,000 | $67,000 | $140,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $53,000 | $53,000 | $53,000 | $31,000 | $31,000 |
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) | 2,465 | $443,363,000 | $179,000 | $1,495,000 | $99,000 | $1,975,000 |
| FHA-insured (Federal Housing Administration) | 1,387 | $209,728,000 | $151,000 | $676,000 | $52,000 | $280,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $3,077,000 | $102,000 | $235,000 | $43,000 | $109,000 |
| VA-guaranteed (Veterans Administration) | 6 | $999,000 | $166,000 | $245,000 | $50,000 | $84,000 |
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 | 2,424 | $413,286,000 | $170,000 | $810,000 | $86,000 | $1,975,000 |
| Application Denied By Financial Institution | 595 | $101,244,000 | $170,000 | $1,495,000 | $73,000 | $750,000 |
| Application Approved But Not Accepted | 420 | $72,467,000 | $172,000 | $750,000 | $85,000 | $1,440,000 |
| Application Withdrawn By Applicant | 215 | $33,902,000 | $157,000 | $1,261,000 | $89,000 | $1,197,000 |
| Loan Purchased By The Institution | 114 | $17,961,000 | $157,000 | $676,000 | $0 | $0 |
| File Closed For Incompleteness | 44 | $7,451,000 | $169,000 | $417,000 | $93,000 | $852,000 |
| Preapproval Approved but not Accepted | 39 | $6,586,000 | $168,000 | $752,000 | $84,000 | $728,000 |
| Preapproval Denied by Financial Institution | 37 | $4,270,000 | $115,000 | $400,000 | $41,000 | $164,000 |
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 | 191 | $32,631,000 | $170,000 | $996,000 | $75,000 | $320,000 |
| Collateral | 162 | $27,349,000 | $168,000 | $623,000 | $87,000 | $750,000 |
| Debt-To-Income Ratio | 148 | $26,660,000 | $180,000 | $1,495,000 | $57,000 | $288,000 |
| Credit History | 84 | $10,398,000 | $123,000 | $417,000 | $64,000 | $320,000 |
| Unverifiable Information | 21 | $3,471,000 | $165,000 | $351,000 | $55,000 | $138,000 |
| Mortgage Insurance Denied | 14 | $3,532,000 | $252,000 | $402,000 | $88,000 | $237,000 |
| Employment History | 9 | $1,065,000 | $118,000 | $207,000 | $40,000 | $93,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $408,000 | $136,000 | $209,000 | $42,000 | $50,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Savings Bank, FSB'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 Savings Bank, FSB'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 Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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