Liberty Savings Bank, FSB Mortgage Lending & HMDA Data, 2007
In 2007, Liberty Savings Bank, FSB of Wilmington, OH reported 3,439 mortgage applications totaling $477.3 million, up 30% from 2006. The average application was for $138,791, and applicants reported an average income of $76,309. 62% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Dayton, OH (736), Cincinnati-Middletown, OH-KY-IN (456) and Sarasota-Bradenton-Venice, FL (278) (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 | 3,439 |
| Total Mortgage Loan Application Amount | $477,303,000 |
| Average Mortgage Loan Application Amount | $138,791 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $76,309 |
| Highest Applicant Income | $1,428,000 |
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records Liberty Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 736 | $ 67,269,000 | $ 91,398 | $ 71,000 |
| Cincinnati-Middletown, OH-KY-IN | 456 | $ 64,856,000 | $ 142,228 | $ 73,333 |
| Sarasota-Bradenton-Venice, FL | 278 | $ 46,162,000 | $ 166,050 | $ 90,000 |
| Columbus, OH | 197 | $ 27,324,000 | $ 138,700 | $ 64,000 |
| Denver-Aurora, CO | 168 | $ 28,781,000 | $ 171,315 | $ 101,000 |
| Cleveland-Elyria-Mentor, OH | 133 | $ 18,845,000 | $ 141,691 | $ 77,000 |
| St. Louis, MO-IL | 124 | $ 24,365,000 | $ 196,491 | $ 85,919 |
| Warren-Troy-Farmington Hills, MI | 86 | $ 19,011,000 | $ 221,058 | $ 108,000 |
| Toledo, OH | 72 | $ 8,070,000 | $ 112,083 | $ 62,000 |
| Youngstown-Warren-Boardman, OH-PA | 43 | $ 4,763,000 | $ 110,767 | $ 59,000 |
| Springfield, OH | 38 | $ 3,447,000 | $ 90,710 | $ 68,000 |
| Akron, OH | 37 | $ 6,142,000 | $ 166,000 | $ 113,000 |
| Detroit-Livonia-Dearborn, MI | 32 | $ 6,104,000 | $ 190,750 | $ 88,000 |
| Canton-Massillon, OH | 30 | $ 4,479,000 | $ 149,300 | $ 88,000 |
| Mansfield, OH | 29 | $ 2,631,000 | $ 90,724 | $ 41,000 |
| Kansas City, MO-KS | 26 | $ 4,550,000 | $ 175,000 | $ 97,500 |
| Boulder, CO | 19 | $ 3,674,000 | $ 193,368 | $ 101,000 |
| Punta Gorda, FL | 14 | $ 3,172,000 | $ 226,571 | $ 92,000 |
| Greeley, CO | 13 | $ 1,791,000 | $ 137,769 | $ 63,000 |
| Lima, OH | 12 | $ 1,292,000 | $ 107,666 | $ 63,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 11 | $ 2,128,000 | $ 193,454 | $ 72,000 |
| Sandusky, OH | 11 | $ 1,264,000 | $ 114,909 | $ 79,000 |
| Tampa-St. Petersburg-Clearwater, FL | 11 | $ 3,003,000 | $ 273,000 | $ 150,000 |
| Memphis, TN-MS-AR | 7 | $ 1,226,000 | $ 175,142 | $ 92,000 |
| Fort Collins-Loveland, CO | 6 | $ 1,239,000 | $ 206,500 | $ 83,000 |
| Monroe, MI | 5 | $ 852,000 | $ 170,400 | $ 100,000 |
| Ann Arbor, MI | 4 | $ 675,000 | $ 168,750 | $ 63,000 |
| Flint, MI | 3 | $ 746,000 | $ 248,666 | $ 96,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 539,000 | $ 179,666 | $ 329,000 |
| Peoria, IL | 3 | $ 476,000 | $ 158,666 | $ 100,000 |
| Pueblo, CO | 3 | $ 772,000 | $ 257,333 | $ 16,000 |
| Rockford, IL | 3 | $ 246,000 | $ 82,000 | $ 55,000 |
| Tucson, AZ | 3 | $ 1,111,000 | $ 370,333 | $ 120,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 227,000 | $ 113,500 | $ 76,000 |
| Bowling Green, KY | 2 | $ 447,000 | $ 223,500 | $ 84,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 257,000 | $ 128,500 | $ 189,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 298,000 | $ 149,000 | $ 365,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 467,000 | $ 233,500 | $ 367,000 |
| Grand Rapids-Wyoming, MI | 2 | $ 749,000 | $ 374,500 | $ 129,000 |
| Las Vegas-Paradise, NV | 2 | $ 471,000 | $ 235,500 | $ 207,000 |
| Naples-Marco Island, FL | 2 | $ 454,000 | $ 227,000 | $ 0 |
| Parkersburg-Marietta-Vienna, WV-OH | 2 | $ 224,000 | $ 112,000 | $ 43,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 301,000 | $ 150,500 | $ 70,000 |
| Savannah, GA | 2 | $ 300,000 | $ 150,000 | $ 36,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 125,000 | $ 125,000 | $ 53,000 |
| Altoona, PA | 1 | $ 162,000 | $ 162,000 | $ 85,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 150,000 | $ 150,000 | $ 100,000 |
| Baltimore-Towson, MD | 1 | $ 226,000 | $ 226,000 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 17,000 | $ 17,000 | $ 0 |
| Chicago-Naperville-Joliet, IL | 1 | $ 80,000 | $ 80,000 | $ 71,000 |
| Clarksville, TN-KY | 1 | $ 85,000 | $ 85,000 | $ 40,000 |
| Colorado Springs, CO | 1 | $ 156,000 | $ 156,000 | $ 80,000 |
| Columbia, SC | 1 | $ 44,000 | $ 44,000 | $ 17,000 |
| Edison, NJ | 1 | $ 544,000 | $ 544,000 | $ 202,000 |
| Evansville, IN-KY | 1 | $ 154,000 | $ 154,000 | $ 82,000 |
| Grand Junction, CO | 1 | $ 115,000 | $ 115,000 | $ 108,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 217,000 | $ 217,000 | $ 76,000 |
| Indianapolis-Carmel, IN | 1 | $ 152,000 | $ 152,000 | $ 89,000 |
| Jackson, MI | 1 | $ 140,000 | $ 140,000 | $ 73,000 |
| Kingston, NY | 1 | $ 95,000 | $ 95,000 | $ 206,000 |
| Lansing-East Lansing, MI | 1 | $ 110,000 | $ 110,000 | $ 138,000 |
| Lexington-Fayette, KY | 1 | $ 340,000 | $ 340,000 | $ 134,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 204,000 | $ 204,000 | $ 102,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 168,000 | $ 168,000 | $ 177,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 53,000 | $ 53,000 | $ 250,000 |
| Nassau-Suffolk, NY | 1 | $ 360,000 | $ 360,000 | $ 159,000 |
| New York-White Plains-Wayne, NY-NJ | 1 | $ 135,000 | $ 135,000 | $ 95,000 |
| Oklahoma City, OK | 1 | $ 34,000 | $ 34,000 | $ 75,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 216,000 | $ 216,000 | $ 627,000 |
| Rochester, NY | 1 | $ 148,000 | $ 148,000 | $ 54,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 135,000 | $ 135,000 | $ 63,000 |
| Sebastian-Vero Beach, FL | 1 | $ 37,000 | $ 37,000 | $ 311,000 |
| Tulsa, OK | 1 | $ 105,000 | $ 105,000 | $ 144,000 |
| Victoria, TX | 1 | $ 212,000 | $ 212,000 | $ 90,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 222,000 | $ 222,000 | $ 70,000 |
| Wheeling, WV-OH | 1 | $ 56,000 | $ 56,000 | $ 53,000 |
| Wichita, KS | 1 | $ 182,000 | $ 182,000 | $ 44,000 |
| Wilmington, NC | 1 | $ 360,000 | $ 360,000 | $ 376,000 |
Mortgage Loan Application Detail Totals for Liberty Savings Bank, FSB 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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,763 | $256,527,000 | $145,000 | $1,500,000 | $80,000 | $1,428,000 |
| Home Purchase | 1,437 | $214,989,000 | $149,000 | $1,500,000 | $72,000 | $790,000 |
| Home Improvement | 239 | $5,787,000 | $24,000 | $485,000 | $75,000 | $900,000 |
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 | 2,884 | $404,921,000 | $140,000 | $1,500,000 | $78,000 | $1,428,000 |
| Not Provided | 247 | $31,174,000 | $126,000 | $725,000 | $73,000 | $627,000 |
| Black or African American | 152 | $16,209,000 | $106,000 | $377,000 | $55,000 | $198,000 |
| Hispanic | 80 | $9,647,000 | $120,000 | $417,000 | $64,000 | $800,000 |
| Asian | 52 | $9,967,000 | $191,000 | $417,000 | $86,000 | $260,000 |
| Not applicable | 10 | $2,526,000 | $252,000 | $950,000 | $0 | $0 |
| American Indian or Alaskan Native | 9 | $2,368,000 | $263,000 | $1,000,000 | $112,000 | $420,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $491,000 | $98,000 | $175,000 | $112,000 | $271,000 |
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) | 3,382 | $469,859,000 | $138,000 | $1,500,000 | $76,000 | $1,428,000 |
| FHA-insured (Federal Housing Administration) | 49 | $6,464,000 | $131,000 | $328,000 | $51,000 | $122,000 |
| VA-guaranteed (Veterans Administration) | 8 | $980,000 | $122,000 | $321,000 | $71,000 | $164,000 |
| 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 | 2,147 | $296,499,000 | $138,000 | $960,000 | $81,000 | $1,428,000 |
| Application Denied By Financial Institution | 687 | $89,217,000 | $129,000 | $1,500,000 | $64,000 | $790,000 |
| File Closed For Incompleteness | 209 | $37,293,000 | $178,000 | $1,050,000 | $81,000 | $409,000 |
| Preapproval Denied by Financial Institution | 169 | $25,975,000 | $153,000 | $1,375,000 | $55,000 | $570,000 |
| Application Withdrawn By Applicant | 121 | $14,955,000 | $123,000 | $1,500,000 | $63,000 | $900,000 |
| Application Approved But Not Accepted | 102 | $12,938,000 | $126,000 | $1,000,000 | $89,000 | $600,000 |
| Loan Purchased By The Institution | 2 | $208,000 | $104,000 | $141,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 2 | $218,000 | $109,000 | $170,000 | $55,000 | $72,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 347 | $42,165,000 | $121,000 | $1,500,000 | $58,000 | $676,000 |
| Debt-To-Income Ratio | 262 | $34,842,000 | $132,000 | $808,000 | $52,000 | $625,000 |
| Other | 86 | $14,113,000 | $164,000 | $1,247,000 | $85,000 | $570,000 |
| Unverifiable Information | 77 | $12,430,000 | $161,000 | $700,000 | $78,000 | $790,000 |
| Collateral | 60 | $6,867,000 | $114,000 | $558,000 | $71,000 | $288,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $4,061,000 | $238,000 | $1,375,000 | $73,000 | $452,000 |
| Employment History | 5 | $590,000 | $118,000 | $335,000 | $54,000 | $100,000 |
| Credit Application Incomplete | 2 | $124,000 | $62,000 | $84,000 | $65,000 | $99,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Savings Bank, FSB'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 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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