Liberty Savings Bank, FSB Mortgage Lending & HMDA Data, 2008
In 2008, Liberty Savings Bank, FSB of Wilmington, OH reported 5,204 mortgage applications totaling $837.6 million, up 51% from 2007. The average application was for $160,956, and applicants reported an average income of $80,708. 61% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Cincinnati-Middletown, OH-KY-IN (900), Dayton, OH (691) and Columbus, OH (415) (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 | 5,204 |
| Total Mortgage Loan Application Amount | $837,620,000 |
| Average Mortgage Loan Application Amount | $160,956 |
| Highest Mortgage Loan Application Amount | $3,200,000 |
| Average Applicant Income | $80,708 |
| Highest Applicant Income | $3,060,000 |
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records Liberty Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Cincinnati-Middletown, OH-KY-IN | 900 | $ 137,367,000 | $ 152,630 | $ 75,368 |
| Dayton, OH | 691 | $ 79,417,000 | $ 114,930 | $ 73,000 |
| Columbus, OH | 415 | $ 62,426,000 | $ 150,424 | $ 69,000 |
| Denver-Aurora, CO | 382 | $ 83,476,000 | $ 218,523 | $ 84,000 |
| Bradenton-Sarasota-Venice, FL | 339 | $ 66,796,000 | $ 197,038 | $ 107,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 196 | $ 40,296,000 | $ 205,591 | $ 72,030 |
| Cleveland-Elyria-Mentor, OH | 192 | $ 28,978,000 | $ 150,927 | $ 89,000 |
| Warren-Troy-Farmington Hills, MI | 148 | $ 33,763,000 | $ 228,128 | $ 122,000 |
| St. Louis, MO-IL | 95 | $ 20,116,000 | $ 211,747 | $ 97,547 |
| Tampa-St. Petersburg-Clearwater, FL | 74 | $ 13,097,000 | $ 176,986 | $ 86,000 |
| Detroit-Livonia-Dearborn, MI | 53 | $ 7,892,000 | $ 148,905 | $ 100,000 |
| Toledo, OH | 44 | $ 5,403,000 | $ 122,795 | $ 53,000 |
| Springfield, OH | 43 | $ 4,268,000 | $ 99,255 | $ 60,000 |
| Akron, OH | 41 | $ 6,920,000 | $ 168,780 | $ 77,000 |
| Canton-Massillon, OH | 41 | $ 5,616,000 | $ 136,975 | $ 69,000 |
| Youngstown-Warren-Boardman, OH-PA | 40 | $ 4,410,000 | $ 110,250 | $ 52,000 |
| Mansfield, OH | 36 | $ 3,813,000 | $ 105,916 | $ 49,000 |
| Orlando-Kissimmee, FL | 30 | $ 7,781,000 | $ 259,366 | $ 136,000 |
| Punta Gorda, FL | 27 | $ 4,246,000 | $ 157,259 | $ 104,000 |
| Sandusky, OH | 24 | $ 2,611,000 | $ 108,791 | $ 77,000 |
| Cape Coral-Fort Myers, FL | 21 | $ 4,155,000 | $ 197,857 | $ 134,000 |
| Boulder, CO | 20 | $ 4,118,000 | $ 205,900 | $ 88,000 |
| Phoenix-Mesa-Scottsdale, AZ | 19 | $ 3,695,000 | $ 194,473 | $ 80,000 |
| Kansas City, MO-KS | 18 | $ 2,904,000 | $ 161,333 | $ 86,000 |
| Lexington-Fayette, KY | 18 | $ 2,533,000 | $ 140,722 | $ 66,000 |
| Memphis, TN-MS-AR | 18 | $ 3,232,000 | $ 179,555 | $ 111,000 |
| Greeley, CO | 13 | $ 3,295,000 | $ 253,461 | $ 59,000 |
| Grand Junction, CO | 12 | $ 2,239,000 | $ 186,583 | $ 50,000 |
| Lakeland-Winter Haven, FL | 12 | $ 1,846,000 | $ 153,833 | $ 60,000 |
| Lima, OH | 12 | $ 1,433,000 | $ 119,416 | $ 61,000 |
| Louisville-Jefferson County, KY-IN | 11 | $ 1,660,000 | $ 150,909 | $ 64,000 |
| Ocala, FL | 11 | $ 2,264,000 | $ 205,818 | $ 87,000 |
| Ann Arbor, MI | 10 | $ 2,327,000 | $ 232,700 | $ 119,000 |
| Chicago-Naperville-Joliet, IL | 10 | $ 2,312,000 | $ 231,200 | $ 74,000 |
| Jacksonville, FL | 10 | $ 1,870,000 | $ 187,000 | $ 74,000 |
| Colorado Springs, CO | 9 | $ 2,003,000 | $ 222,555 | $ 66,000 |
| Harrisburg-Carlisle, PA | 9 | $ 1,204,000 | $ 133,777 | $ 58,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 9 | $ 1,769,000 | $ 196,555 | $ 70,000 |
| Tallahassee, FL | 9 | $ 1,661,000 | $ 184,555 | $ 54,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 2,601,000 | $ 289,000 | $ 99,000 |
| Atlanta-Sandy Springs-Marietta, GA | 8 | $ 971,000 | $ 121,375 | $ 94,000 |
| Indianapolis-Carmel, IN | 8 | $ 1,164,000 | $ 145,500 | $ 69,000 |
| Lake Havasu City-Kingman, AZ | 7 | $ 842,000 | $ 120,285 | $ 50,000 |
| Naples-Marco Island, FL | 7 | $ 2,339,000 | $ 334,142 | $ 212,000 |
| Albuquerque, NM | 6 | $ 1,121,000 | $ 186,833 | $ 98,000 |
| Fort Collins-Loveland, CO | 6 | $ 3,077,000 | $ 512,833 | $ 59,000 |
| Lancaster, PA | 6 | $ 998,000 | $ 166,333 | $ 60,000 |
| Lansing-East Lansing, MI | 6 | $ 1,116,000 | $ 186,000 | $ 104,000 |
| Yuma, AZ | 6 | $ 852,000 | $ 142,000 | $ 63,000 |
| Duluth, MN-WI | 5 | $ 783,000 | $ 156,600 | $ 53,000 |
| Eau Claire, WI | 5 | $ 578,000 | $ 115,600 | $ 97,000 |
| Panama City-Lynn Haven, FL | 5 | $ 1,794,000 | $ 358,800 | $ 218,000 |
| Prescott, AZ | 5 | $ 606,000 | $ 121,200 | $ 42,000 |
| St. Cloud, MN | 5 | $ 803,000 | $ 160,600 | $ 75,000 |
| York-Hanover, PA | 5 | $ 761,000 | $ 152,200 | $ 84,000 |
| Fort Walton Beach-Crestview-Destin, FL | 4 | $ 923,000 | $ 230,750 | $ 368,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 1,033,000 | $ 258,250 | $ 89,000 |
| Peoria, IL | 4 | $ 488,000 | $ 122,000 | $ 59,000 |
| Port St. Lucie, FL | 4 | $ 937,000 | $ 234,250 | $ 80,000 |
| Rockford, IL | 4 | $ 389,000 | $ 97,250 | $ 42,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 467,000 | $ 155,666 | $ 63,000 |
| Erie, PA | 3 | $ 394,000 | $ 131,333 | $ 52,000 |
| Flint, MI | 3 | $ 803,000 | $ 267,666 | $ 124,000 |
| Gainesville, FL | 3 | $ 399,000 | $ 133,000 | $ 51,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 862,000 | $ 287,333 | $ 70,000 |
| Holland-Grand Haven, MI | 3 | $ 676,000 | $ 225,333 | $ 91,000 |
| Huntington-Ashland, WV-KY-OH | 3 | $ 228,000 | $ 76,000 | $ 49,000 |
| Knoxville, TN | 3 | $ 541,000 | $ 180,333 | $ 65,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 818,000 | $ 272,666 | $ 104,000 |
| Monroe, MI | 3 | $ 491,000 | $ 163,666 | $ 63,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 368,000 | $ 122,666 | $ 70,000 |
| Philadelphia, PA | 3 | $ 669,000 | $ 223,000 | $ 99,000 |
| Pueblo, CO | 3 | $ 332,000 | $ 110,666 | $ 47,000 |
| Santa Fe, NM | 3 | $ 761,000 | $ 253,666 | $ 70,000 |
| Tucson, AZ | 3 | $ 512,000 | $ 170,666 | $ 83,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 238,000 | $ 79,333 | $ 41,000 |
| Battle Creek, MI | 2 | $ 350,000 | $ 175,000 | $ 77,000 |
| Cedar Rapids, IA | 2 | $ 248,000 | $ 124,000 | $ 45,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 246,000 | $ 123,000 | $ 367,000 |
| Elkhart-Goshen, IN | 2 | $ 202,000 | $ 101,000 | $ 38,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 601,000 | $ 300,500 | $ 72,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 268,000 | $ 134,000 | $ 55,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 1,133,000 | $ 566,500 | $ 229,000 |
| Muncie, IN | 2 | $ 278,000 | $ 139,000 | $ 27,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 303,000 | $ 151,500 | $ 74,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 209,000 | $ 104,500 | $ 25,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 260,000 | $ 130,000 | $ 79,000 |
| Pittsburgh, PA | 2 | $ 404,000 | $ 202,000 | $ 113,000 |
| Savannah, GA | 2 | $ 339,000 | $ 169,500 | $ 56,000 |
| Sioux City, IA-NE-SD | 2 | $ 190,000 | $ 95,000 | $ 57,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 2 | $ 459,000 | $ 229,500 | $ 99,000 |
| Baltimore-Towson, MD | 1 | $ 67,000 | $ 67,000 | $ 51,000 |
| Boise City-Nampa, ID | 1 | $ 289,000 | $ 289,000 | $ 140,000 |
| Bowling Green, KY | 1 | $ 135,000 | $ 135,000 | $ 31,000 |
| Camden, NJ | 1 | $ 39,000 | $ 39,000 | $ 52,000 |
| Champaign-Urbana, IL | 1 | $ 198,000 | $ 198,000 | $ 79,000 |
| Charleston, WV | 1 | $ 276,000 | $ 276,000 | $ 112,000 |
| Chattanooga, TN-GA | 1 | $ 157,000 | $ 157,000 | $ 29,000 |
| Cheyenne, WY | 1 | $ 247,000 | $ 247,000 | $ 77,000 |
| Clarksville, TN-KY | 1 | $ 198,000 | $ 198,000 | $ 60,000 |
| Cleveland, TN | 1 | $ 120,000 | $ 120,000 | $ 60,000 |
| Columbia, SC | 1 | $ 261,000 | $ 261,000 | $ 51,000 |
| Columbus, GA-AL | 1 | $ 141,000 | $ 141,000 | $ 90,000 |
| Dalton, GA | 1 | $ 151,000 | $ 151,000 | $ 60,000 |
| Des Moines-West Des Moines, IA | 1 | $ 138,000 | $ 138,000 | $ 44,000 |
| Durham, NC | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Edison-New Brunswick, NJ | 1 | $ 256,000 | $ 256,000 | $ 87,000 |
| Fargo, ND-MN | 1 | $ 91,000 | $ 91,000 | $ 29,000 |
| Farmington, NM | 1 | $ 174,000 | $ 174,000 | $ 110,000 |
| Fort Wayne, IN | 1 | $ 64,000 | $ 64,000 | $ 30,000 |
| Grand Forks, ND-MN | 1 | $ 148,000 | $ 148,000 | $ 42,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 184,000 | $ 184,000 | $ 110,000 |
| Jefferson City, MO | 1 | $ 300,000 | $ 300,000 | $ 205,000 |
| Johnson City, TN | 1 | $ 155,000 | $ 155,000 | $ 120,000 |
| Kalamazoo-Portage, MI | 1 | $ 115,000 | $ 115,000 | $ 64,000 |
| Kankakee-Bradley, IL | 1 | $ 194,000 | $ 194,000 | $ 106,000 |
| Las Cruces, NM | 1 | $ 112,000 | $ 112,000 | $ 91,000 |
| Morgantown, WV | 1 | $ 128,000 | $ 128,000 | $ 46,000 |
| Morristown, TN | 1 | $ 120,000 | $ 120,000 | $ 0 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 151,000 | $ 151,000 | $ 61,000 |
| Newark-Union, NJ-PA | 1 | $ 360,000 | $ 360,000 | $ 226,000 |
| Pittsfield, MA | 1 | $ 120,000 | $ 120,000 | $ 130,000 |
| Raleigh-Cary, NC | 1 | $ 260,000 | $ 260,000 | $ 84,000 |
| Reading, PA | 1 | $ 169,000 | $ 169,000 | $ 71,000 |
| Rochester, MN | 1 | $ 109,000 | $ 109,000 | $ 56,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 126,000 | $ 126,000 | $ 69,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 280,000 | $ 280,000 | $ 69,000 |
| Sebastian-Vero Beach, FL | 1 | $ 249,000 | $ 249,000 | $ 72,000 |
| Spartanburg, SC | 1 | $ 42,000 | $ 42,000 | $ 113,000 |
| Springfield, IL | 1 | $ 107,000 | $ 107,000 | $ 99,000 |
| Springfield, MA | 1 | $ 142,000 | $ 142,000 | $ 73,000 |
| Springfield, MO | 1 | $ 173,000 | $ 173,000 | $ 77,000 |
| Warner Robins, GA | 1 | $ 232,000 | $ 232,000 | $ 119,000 |
| Wheeling, WV-OH | 1 | $ 118,000 | $ 118,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Liberty Savings Bank, FSB in 2008
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 | 3,015 | $522,228,000 | $173,000 | $3,200,000 | $82,000 | $3,060,000 |
| Home Purchase | 2,112 | $313,104,000 | $148,000 | $1,300,000 | $79,000 | $1,830,000 |
| Home Improvement | 77 | $2,288,000 | $29,000 | $210,000 | $77,000 | $440,000 |
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 | 4,430 | $710,018,000 | $160,000 | $3,200,000 | $82,000 | $1,943,000 |
| Black or African American | 264 | $34,207,000 | $129,000 | $861,000 | $62,000 | $248,000 |
| Not Provided | 201 | $33,198,000 | $165,000 | $1,000,000 | $100,000 | $3,060,000 |
| Hispanic | 160 | $26,831,000 | $167,000 | $682,000 | $65,000 | $326,000 |
| Asian | 88 | $15,708,000 | $178,000 | $417,000 | $87,000 | $1,008,000 |
| Not applicable | 36 | $13,397,000 | $372,000 | $2,146,000 | $0 | $0 |
| American Indian or Alaskan Native | 17 | $2,754,000 | $162,000 | $309,000 | $74,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,507,000 | $188,000 | $281,000 | $128,000 | $390,000 |
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) | 3,254 | $530,946,000 | $163,000 | $3,200,000 | $93,000 | $3,060,000 |
| FHA-insured (Federal Housing Administration) | 1,947 | $306,352,000 | $157,000 | $452,000 | $60,000 | $981,000 |
| VA-guaranteed (Veterans Administration) | 3 | $322,000 | $107,000 | $150,000 | $48,000 | $53,000 |
| 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 | 3,160 | $512,960,000 | $162,000 | $2,146,000 | $81,000 | $1,943,000 |
| Application Denied By Financial Institution | 906 | $140,972,000 | $155,000 | $3,200,000 | $74,000 | $934,000 |
| Application Approved But Not Accepted | 701 | $120,440,000 | $171,000 | $739,000 | $87,000 | $1,000,000 |
| Application Withdrawn By Applicant | 131 | $18,746,000 | $143,000 | $571,000 | $84,000 | $676,000 |
| File Closed For Incompleteness | 107 | $19,019,000 | $177,000 | $1,000,000 | $117,000 | $3,060,000 |
| Preapproval Approved but not Accepted | 107 | $15,510,000 | $144,000 | $417,000 | $68,000 | $454,000 |
| Preapproval Denied by Financial Institution | 88 | $9,450,000 | $107,000 | $546,000 | $44,000 | $162,000 |
| Loan Purchased By The Institution | 4 | $523,000 | $130,000 | $375,000 | $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 | 281 | $36,951,000 | $131,000 | $820,000 | $58,000 | $360,000 |
| Debt-To-Income Ratio | 253 | $42,520,000 | $168,000 | $3,200,000 | $60,000 | $375,000 |
| Other | 235 | $35,880,000 | $152,000 | $660,000 | $93,000 | $934,000 |
| Collateral | 170 | $26,423,000 | $155,000 | $650,000 | $77,000 | $654,000 |
| Employment History | 23 | $3,663,000 | $159,000 | $614,000 | $62,000 | $150,000 |
| Unverifiable Information | 17 | $2,261,000 | $133,000 | $400,000 | $119,000 | $606,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $967,000 | $138,000 | $400,000 | $54,000 | $93,000 |
| Mortgage Insurance Denied | 6 | $1,415,000 | $235,000 | $546,000 | $109,000 | $180,000 |
| Credit Application Incomplete | 2 | $342,000 | $171,000 | $200,000 | $46,000 | $52,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Savings Bank, FSB's 2008 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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