Liberty Savings Bank, FSB Mortgage Lending & HMDA Data, 2006
In 2006, Liberty Savings Bank, FSB of Wilmington, OH reported 2,647 mortgage applications totaling $398.2 million, down 17% from 2005. The average application was for $150,446, and applicants reported an average income of $74,812. 62% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Dayton, OH (547), Cincinnati-Middletown, OH-KY-IN (330) and Sarasota-Bradenton-Venice, FL (276) (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 | 2,647 |
| Total Mortgage Loan Application Amount | $398,233,000 |
| Average Mortgage Loan Application Amount | $150,446 |
| Highest Mortgage Loan Application Amount | $4,445,000 |
| Average Applicant Income | $74,812 |
| Highest Applicant Income | $2,860,000 |
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records Liberty Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Dayton, OH | 547 | $ 50,330,000 | $ 92,010 | $ 66,000 |
| Cincinnati-Middletown, OH-KY-IN | 330 | $ 49,910,000 | $ 151,242 | $ 75,212 |
| Sarasota-Bradenton-Venice, FL | 276 | $ 69,869,000 | $ 253,148 | $ 103,000 |
| Denver-Aurora, CO | 89 | $ 24,067,000 | $ 270,415 | $ 98,000 |
| Cleveland-Elyria-Mentor, OH | 80 | $ 11,345,000 | $ 141,812 | $ 103,000 |
| Columbus, OH | 80 | $ 11,226,000 | $ 140,325 | $ 56,000 |
| St. Louis, MO-IL | 79 | $ 14,616,000 | $ 185,012 | $ 89,012 |
| Warren-Troy-Farmington Hills, MI | 54 | $ 12,951,000 | $ 239,833 | $ 105,000 |
| Toledo, OH | 51 | $ 5,998,000 | $ 117,607 | $ 66,000 |
| Youngstown-Warren-Boardman, OH-PA | 45 | $ 3,487,000 | $ 77,488 | $ 52,000 |
| Springfield, OH | 24 | $ 1,805,000 | $ 75,208 | $ 63,000 |
| Akron, OH | 23 | $ 3,021,000 | $ 131,347 | $ 65,000 |
| Sandusky, OH | 20 | $ 2,277,000 | $ 113,850 | $ 61,000 |
| Detroit-Livonia-Dearborn, MI | 18 | $ 3,096,000 | $ 172,000 | $ 57,000 |
| Canton-Massillon, OH | 17 | $ 1,580,000 | $ 92,941 | $ 50,000 |
| Mansfield, OH | 17 | $ 1,781,000 | $ 104,764 | $ 41,000 |
| Punta Gorda, FL | 13 | $ 2,667,000 | $ 205,153 | $ 60,000 |
| Kansas City, MO-KS | 8 | $ 1,086,000 | $ 135,750 | $ 81,375 |
| Boulder, CO | 6 | $ 1,933,000 | $ 322,166 | $ 83,000 |
| Lima, OH | 5 | $ 485,000 | $ 97,000 | $ 55,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 625,000 | $ 125,000 | $ 56,000 |
| Blacksburg-Christiansburg-Radford, VA | 3 | $ 1,055,000 | $ 351,666 | $ 342,000 |
| Colorado Springs, CO | 3 | $ 539,000 | $ 179,666 | $ 75,000 |
| Memphis, TN-MS-AR | 3 | $ 515,000 | $ 171,666 | $ 68,000 |
| Orlando-Kissimmee, FL | 3 | $ 1,585,000 | $ 528,333 | $ 587,000 |
| Abilene, TX | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Ann Arbor, MI | 2 | $ 395,000 | $ 197,500 | $ 55,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 115,000 | $ 57,500 | $ 33,000 |
| Chicago-Naperville-Joliet, IL | 2 | $ 169,000 | $ 84,500 | $ 69,000 |
| Columbia, MO | 2 | $ 160,000 | $ 80,000 | $ 106,000 |
| Monroe, MI | 2 | $ 420,000 | $ 210,000 | $ 36,000 |
| Naples-Marco Island, FL | 2 | $ 408,000 | $ 204,000 | $ 86,000 |
| Pittsburgh, PA | 2 | $ 360,000 | $ 180,000 | $ 163,000 |
| Tulsa, OK | 2 | $ 202,000 | $ 101,000 | $ 115,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 316,000 | $ 316,000 | $ 122,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 27,000 | $ 27,000 | $ 49,000 |
| Austin-Round Rock, TX | 1 | $ 37,000 | $ 37,000 | $ 33,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 428,000 | $ 428,000 | $ 130,000 |
| Charleston-North Charleston, SC | 1 | $ 116,000 | $ 116,000 | $ 163,000 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 142,000 | $ 142,000 | $ 36,000 |
| Dallas-Plano-Irving, TX | 1 | $ 39,000 | $ 39,000 | $ 168,000 |
| Elizabethtown, KY | 1 | $ 87,000 | $ 87,000 | $ 34,000 |
| Essex County, MA | 1 | $ 220,000 | $ 220,000 | $ 155,000 |
| Flint, MI | 1 | $ 144,000 | $ 144,000 | $ 80,000 |
| Fort Collins-Loveland, CO | 1 | $ 327,000 | $ 327,000 | $ 232,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 420,000 | $ 420,000 | $ 120,000 |
| Gainesville, FL | 1 | $ 80,000 | $ 80,000 | $ 146,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 97,000 | $ 97,000 | $ 101,000 |
| Greeley, CO | 1 | $ 157,000 | $ 157,000 | $ 234,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 195,000 | $ 195,000 | $ 55,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 53,000 | $ 53,000 | $ 42,000 |
| Knoxville, TN | 1 | $ 200,000 | $ 200,000 | $ 94,000 |
| Lansing-East Lansing, MI | 1 | $ 101,000 | $ 101,000 | $ 34,000 |
| Lexington-Fayette, KY | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Longview, WA | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 94,000 | $ 94,000 | $ 56,000 |
| Modesto, CA | 1 | $ 565,000 | $ 565,000 | $ 150,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 187,000 | $ 187,000 | $ 73,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 80,000 | $ 80,000 | $ 79,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 231,000 | $ 231,000 | $ 266,000 |
| Richmond, VA | 1 | $ 141,000 | $ 141,000 | $ 81,000 |
| Salem, OR | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 354,000 | $ 354,000 | $ 149,000 |
| Savannah, GA | 1 | $ 220,000 | $ 220,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 548,000 | $ 548,000 | $ 188,000 |
| Tucson, AZ | 1 | $ 100,000 | $ 100,000 | $ 144,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 51,000 | $ 51,000 | $ 400,000 |
| Wichita, KS | 1 | $ 140,000 | $ 140,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Liberty Savings Bank, FSB 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 | 1,313 | $218,935,000 | $166,000 | $2,915,000 | $74,000 | $1,001,000 |
| Refinancing | 1,149 | $176,035,000 | $153,000 | $4,445,000 | $77,000 | $2,860,000 |
| Home Improvement | 185 | $3,263,000 | $17,000 | $125,000 | $67,000 | $1,008,000 |
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 | 2,224 | $323,722,000 | $145,000 | $1,800,000 | $75,000 | $2,860,000 |
| Not Provided | 181 | $28,875,000 | $159,000 | $4,445,000 | $86,000 | $1,001,000 |
| Black or African American | 103 | $9,572,000 | $92,000 | $304,000 | $54,000 | $272,000 |
| Hispanic | 65 | $11,795,000 | $181,000 | $1,613,000 | $72,000 | $546,000 |
| Asian | 43 | $11,627,000 | $270,000 | $1,847,000 | $91,000 | $373,000 |
| American Indian or Alaskan Native | 13 | $2,113,000 | $162,000 | $868,000 | $123,000 | $866,000 |
| Not applicable | 13 | $9,826,000 | $755,000 | $2,915,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 5 | $703,000 | $140,000 | $180,000 | $43,000 | $89,000 |
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) | 2,599 | $392,681,000 | $151,000 | $4,445,000 | $76,000 | $2,860,000 |
| FHA-insured (Federal Housing Administration) | 41 | $3,792,000 | $92,000 | $167,000 | $37,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 5 | $732,000 | $146,000 | $180,000 | $34,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $1,028,000 | $514,000 | $528,000 | $94,000 | $109,000 |
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 | 1,629 | $238,311,000 | $146,000 | $1,800,000 | $81,000 | $1,008,000 |
| Application Denied By Financial Institution | 469 | $75,782,000 | $161,000 | $4,445,000 | $69,000 | $903,000 |
| Preapproval Denied by Financial Institution | 312 | $45,573,000 | $146,000 | $1,480,000 | $58,000 | $1,001,000 |
| Application Approved But Not Accepted | 150 | $21,560,000 | $143,000 | $933,000 | $63,000 | $408,000 |
| Application Withdrawn By Applicant | 76 | $15,437,000 | $203,000 | $2,915,000 | $53,000 | $546,000 |
| Preapproval Approved but not Accepted | 10 | $1,434,000 | $143,000 | $250,000 | $66,000 | $150,000 |
| File Closed For Incompleteness | 1 | $136,000 | $136,000 | $136,000 | $2,860,000 | $2,860,000 |
| Loan Purchased By The 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 | 231 | $26,216,000 | $113,000 | $829,000 | $57,000 | $860,000 |
| Debt-To-Income Ratio | 187 | $27,798,000 | $148,000 | $1,500,000 | $54,000 | $876,000 |
| Unverifiable Information | 161 | $26,388,000 | $163,000 | $1,200,000 | $76,000 | $903,000 |
| Other | 101 | $27,731,000 | $274,000 | $4,445,000 | $80,000 | $1,001,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 49 | $7,324,000 | $149,000 | $800,000 | $55,000 | $526,000 |
| Collateral | 44 | $5,395,000 | $122,000 | $620,000 | $79,000 | $434,000 |
| Employment History | 8 | $503,000 | $62,000 | $194,000 | $32,000 | $50,000 |
| 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 Savings Bank, FSB'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 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.
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