Liberty Savings Bank, F.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Liberty Savings Bank, F.S.B. 2016 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Liberty Savings Bank, F.S.B. 3435 Airborne Rd, Ste B Wilmington, OH 45177 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 2,418 |
| Total Mortgage Loan Application Amount | $676,825,000 |
| Average Mortgage Loan Application Amount | $276,666 |
| Highest Mortgage Loan Application Amount | $1,667,000 |
| Average Applicant Income | $120,333 |
| Highest Applicant Income | $1,061,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with Liberty Savings Bank, F.S.B.. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Liberty Savings Bank, F.S.B.'s lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down Liberty Savings Bank, F.S.B.'s mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Liberty Savings Bank, F.S.B. serves its applicants.
Each category highlights the total number of mortgage applications processed by Liberty Savings Bank, F.S.B., total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Liberty Savings Bank, F.S.B.'s mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Denver County Colorado | 137 | $ 40,580,000 | $ 296,000 | $ 141,000 |
| Jefferson County Colorado | 135 | $ 39,333,000 | $ 291,000 | $ 127,000 |
| Douglas County Colorado | 117 | $ 38,344,000 | $ 327,000 | $ 137,000 |
| Arapahoe County Colorado | 108 | $ 30,433,000 | $ 281,000 | $ 108,000 |
| Oakland County Michigan | 85 | $ 21,738,000 | $ 255,000 | $ 129,000 |
| Sarasota County Florida | 73 | $ 15,660,000 | $ 214,000 | $ 103,000 |
| Grand County Colorado | 68 | $ 17,451,000 | $ 256,000 | $ 186,000 |
| Adams County Colorado | 64 | $ 15,501,000 | $ 242,000 | $ 99,000 |
| Larimer County Colorado | 62 | $ 16,772,000 | $ 270,000 | $ 125,000 |
| Pinellas County Florida | 61 | $ 14,606,000 | $ 239,000 | $ 124,000 |
| Hennepin County Minnesota | 61 | $ 16,363,000 | $ 268,000 | $ 134,000 |
| Boone County Kentucky | 56 | $ 11,065,000 | $ 197,000 | $ 111,000 |
| Allen County Indiana | 53 | $ 7,880,000 | $ 148,000 | $ 74,000 |
| Boulder County Colorado | 50 | $ 17,116,000 | $ 342,000 | $ 154,000 |
| Hamilton County Ohio | 50 | $ 11,471,000 | $ 229,000 | $ 150,000 |
| Livingston County Michigan | 48 | $ 11,121,000 | $ 231,000 | $ 105,000 |
| Palm Beach County Florida | 44 | $ 17,063,000 | $ 387,000 | $ 126,000 |
| Kenton County Kentucky | 44 | $ 8,448,000 | $ 192,000 | $ 90,000 |
| Warren County Ohio | 44 | $ 10,425,000 | $ 236,000 | $ 113,000 |
| Duval County Florida | 41 | $ 9,314,000 | $ 227,000 | $ 128,000 |
| Butler County Ohio | 40 | $ 7,847,000 | $ 196,000 | $ 106,000 |
| Weld County Colorado | 39 | $ 9,346,000 | $ 239,000 | $ 95,000 |
| Hillsborough County Florida | 39 | $ 12,707,000 | $ 325,000 | $ 155,000 |
| Manatee County Florida | 35 | $ 9,601,000 | $ 274,000 | $ 116,000 |
| Campbell County Kentucky | 35 | $ 7,040,000 | $ 201,000 | $ 118,000 |
| Anoka County Minnesota | 29 | $ 5,985,000 | $ 206,000 | $ 103,000 |
| Summit County Colorado | 28 | $ 8,841,000 | $ 315,000 | $ 155,000 |
| Wayne County Michigan | 27 | $ 6,156,000 | $ 228,000 | $ 99,000 |
| Lee County Florida | 26 | $ 8,490,000 | $ 326,000 | $ 195,000 |
| Hamilton County Indiana | 26 | $ 7,708,000 | $ 296,000 | $ 143,000 |
| Martin County Florida | 21 | $ 7,770,000 | $ 370,000 | $ 21,000 |
| Cuyahoga County Ohio | 21 | $ 3,316,000 | $ 157,000 | $ 103,000 |
| Ramsey County Minnesota | 20 | $ 4,344,000 | $ 217,000 | $ 81,000 |
| Los Angeles County California | 18 | $ 10,390,000 | $ 577,000 | $ 47,000 |
| Indian River County Florida | 18 | $ 7,862,000 | $ 436,000 | $ 0 |
| Pasco County Florida | 18 | $ 4,089,000 | $ 227,000 | $ 89,000 |
| St. Johns County Florida | 18 | $ 3,958,000 | $ 219,000 | $ 104,000 |
| Grant County Kentucky | 18 | $ 2,905,000 | $ 161,000 | $ 78,000 |
| Washtenaw County Michigan | 18 | $ 4,134,000 | $ 229,000 | $ 113,000 |
| Pendleton County Kentucky | 16 | $ 2,321,000 | $ 145,000 | $ 75,000 |
| Dakota County Minnesota | 16 | $ 3,826,000 | $ 239,000 | $ 108,000 |
| Wake County North Carolina | 16 | $ 6,099,000 | $ 381,000 | $ 165,000 |
| Macomb County Michigan | 15 | $ 3,191,000 | $ 212,000 | $ 118,000 |
| Clermont County Ohio | 15 | $ 2,470,000 | $ 164,000 | $ 95,000 |
| Montgomery County Ohio | 15 | $ 2,990,000 | $ 199,000 | $ 116,000 |
| Orange County California | 12 | $ 9,922,000 | $ 826,000 | $ 56,000 |
| Wright County Minnesota | 12 | $ 2,768,000 | $ 230,000 | $ 102,000 |
| Greene County Ohio | 12 | $ 2,491,000 | $ 207,000 | $ 125,000 |
| El Paso County Colorado | 11 | $ 2,694,000 | $ 244,000 | $ 104,000 |
| St. Lucie County Florida | 10 | $ 3,202,000 | $ 320,000 | $ 15,000 |
| Franklin County Ohio | 10 | $ 3,067,000 | $ 306,000 | $ 154,000 |
| Orange County Florida | 9 | $ 5,314,000 | $ 590,000 | $ 55,000 |
| Volusia County Florida | 9 | $ 2,548,000 | $ 283,000 | $ 85,000 |
| Washington County Minnesota | 9 | $ 2,328,000 | $ 258,000 | $ 78,000 |
| Alameda County California | 8 | $ 6,301,000 | $ 787,000 | $ 213,000 |
| Marion County Indiana | 8 | $ 2,066,000 | $ 258,000 | $ 105,000 |
| Santa Clara County California | 7 | $ 4,979,000 | $ 711,000 | $ 45,000 |
| Brevard County Florida | 7 | $ 2,620,000 | $ 374,000 | $ 0 |
| Medina County Ohio | 7 | $ 1,379,000 | $ 197,000 | $ 70,000 |
| Contra Costa County California | 6 | $ 5,631,000 | $ 938,000 | $ 0 |
| San Diego County California | 6 | $ 4,186,000 | $ 697,000 | $ 0 |
| Broomfield County Colorado | 6 | $ 1,610,000 | $ 268,000 | $ 121,000 |
| Carver County Minnesota | 6 | $ 2,153,000 | $ 358,000 | $ 139,000 |
| Clinton County Ohio | 6 | $ 716,000 | $ 119,000 | $ 65,000 |
| Marin County California | 5 | $ 4,113,000 | $ 822,000 | $ 35,000 |
| Collier County Florida | 5 | $ 2,180,000 | $ 436,000 | $ 150,000 |
| Genesee County Michigan | 5 | $ 1,099,000 | $ 219,000 | $ 121,000 |
| Summit County Ohio | 5 | $ 1,510,000 | $ 302,000 | $ 193,000 |
| Lehigh County Pennsylvania | 5 | $ 1,469,000 | $ 293,000 | $ 192,000 |
| Park County Colorado | 4 | $ 1,110,000 | $ 277,000 | $ 81,000 |
| Miami-Dade County Florida | 4 | $ 2,132,000 | $ 533,000 | $ 0 |
| Adams County Indiana | 4 | $ 420,000 | $ 105,000 | $ 76,000 |
| Hendricks County Indiana | 4 | $ 713,000 | $ 178,000 | $ 89,000 |
| Whitley County Indiana | 4 | $ 633,000 | $ 158,000 | $ 58,000 |
| Scott County Minnesota | 4 | $ 1,499,000 | $ 374,000 | $ 112,000 |
| Sherburne County Minnesota | 4 | $ 790,000 | $ 197,000 | $ 75,000 |
| Lorain County Ohio | 4 | $ 1,138,000 | $ 284,000 | $ 136,000 |
| King County Washington | 4 | $ 1,470,000 | $ 367,000 | $ 0 |
| Maricopa County Arizona | 3 | $ 2,006,000 | $ 668,000 | $ 0 |
| San Mateo County California | 3 | $ 2,010,000 | $ 670,000 | $ 0 |
| Stanislaus County California | 3 | $ 565,000 | $ 188,000 | $ 106,000 |
| Elbert County Colorado | 3 | $ 1,018,000 | $ 339,000 | $ 115,000 |
| Garfield County Colorado | 3 | $ 1,976,000 | $ 658,000 | $ 95,000 |
| La Plata County Colorado | 3 | $ 831,000 | $ 277,000 | $ 238,000 |
| Charlotte County Florida | 3 | $ 787,000 | $ 262,000 | $ 130,000 |
| Hernando County Florida | 3 | $ 373,000 | $ 124,000 | $ 81,000 |
| Polk County Florida | 3 | $ 544,000 | $ 181,000 | $ 140,000 |
| DuPage County Illinois | 3 | $ 875,000 | $ 291,000 | $ 0 |
| Hancock County Indiana | 3 | $ 1,030,000 | $ 343,000 | $ 134,000 |
| Porter County Indiana | 3 | $ 1,032,000 | $ 344,000 | $ 134,000 |
| Steuben County Indiana | 3 | $ 407,000 | $ 135,000 | $ 79,000 |
| Ingham County Michigan | 3 | $ 537,000 | $ 179,000 | $ 89,000 |
| St. Louis County Minnesota | 3 | $ 894,000 | $ 298,000 | $ 128,000 |
| Delaware County Ohio | 3 | $ 817,000 | $ 272,000 | $ 185,000 |
| Denton County Texas | 3 | $ 1,629,000 | $ 543,000 | $ 269,000 |
| Placer County California | 2 | $ 1,126,000 | $ 563,000 | $ 0 |
| San Bernardino County California | 2 | $ 920,000 | $ 460,000 | $ 0 |
| San Joaquin County California | 2 | $ 1,127,000 | $ 563,000 | $ 156,000 |
| Routt County Colorado | 2 | $ 812,000 | $ 406,000 | $ 94,000 |
| Fulton County Georgia | 2 | $ 959,000 | $ 479,000 | $ 0 |
| Cook County Illinois | 2 | $ 1,874,000 | $ 937,000 | $ 0 |
| Boone County Indiana | 2 | $ 764,000 | $ 382,000 | $ 186,000 |
| Johnson County Indiana | 2 | $ 236,000 | $ 118,000 | $ 91,000 |
| Kosciusko County Indiana | 2 | $ 254,000 | $ 127,000 | $ 70,000 |
| Lake County Indiana | 2 | $ 583,000 | $ 291,000 | $ 138,000 |
| Noble County Indiana | 2 | $ 213,000 | $ 106,000 | $ 68,000 |
| Tippecanoe County Indiana | 2 | $ 352,000 | $ 176,000 | $ 69,000 |
| Bracken County Kentucky | 2 | $ 349,000 | $ 174,000 | $ 88,000 |
| Jefferson County Kentucky | 2 | $ 351,000 | $ 175,000 | $ 149,000 |
| Owen County Kentucky | 2 | $ 556,000 | $ 278,000 | $ 135,000 |
| Montgomery County Maryland | 2 | $ 1,196,000 | $ 598,000 | $ 0 |
| Middlesex County Massachusetts | 2 | $ 1,159,000 | $ 579,000 | $ 165,000 |
| Kent County Michigan | 2 | $ 385,000 | $ 192,000 | $ 87,000 |
| Monroe County Michigan | 2 | $ 391,000 | $ 195,000 | $ 128,000 |
| Cass County Minnesota | 2 | $ 495,000 | $ 247,000 | $ 160,000 |
| Chisago County Minnesota | 2 | $ 589,000 | $ 294,000 | $ 199,000 |
| Crow Wing County Minnesota | 2 | $ 283,000 | $ 141,000 | $ 136,000 |
| Kanabec County Minnesota | 2 | $ 453,000 | $ 226,000 | $ 85,000 |
| Kandiyohi County Minnesota | 2 | $ 381,000 | $ 190,000 | $ 71,000 |
| Olmsted County Minnesota | 2 | $ 593,000 | $ 296,000 | $ 106,000 |
| Rice County Minnesota | 2 | $ 480,000 | $ 240,000 | $ 48,000 |
| Burlington County New Jersey | 2 | $ 929,000 | $ 464,000 | $ 0 |
| Mecklenburg County North Carolina | 2 | $ 775,000 | $ 387,000 | $ 293,000 |
| Brown County Ohio | 2 | $ 430,000 | $ 215,000 | $ 363,000 |
| Geauga County Ohio | 2 | $ 262,000 | $ 131,000 | $ 254,000 |
| Lake County Ohio | 2 | $ 329,000 | $ 164,000 | $ 114,000 |
| Scioto County Ohio | 2 | $ 251,000 | $ 125,000 | $ 67,000 |
| Shelby County Tennessee | 2 | $ 717,000 | $ 358,000 | $ 0 |
| Tarrant County Texas | 2 | $ 1,009,000 | $ 504,000 | $ 62,000 |
| Travis County Texas | 2 | $ 975,000 | $ 487,000 | $ 146,000 |
| Kern County California | 1 | $ 546,000 | $ 546,000 | $ 0 |
| Riverside County California | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Sonoma County California | 1 | $ 410,000 | $ 410,000 | $ 188,000 |
| Chaffee County Colorado | 1 | $ 232,000 | $ 232,000 | $ 54,000 |
| Clear Creek County Colorado | 1 | $ 400,000 | $ 400,000 | $ 152,000 |
| Eagle County Colorado | 1 | $ 417,000 | $ 417,000 | $ 451,000 |
| Mesa County Colorado | 1 | $ 137,000 | $ 137,000 | $ 49,000 |
| Pueblo County Colorado | 1 | $ 285,000 | $ 285,000 | $ 86,000 |
| Fairfield County Connecticut | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Alachua County Florida | 1 | $ 212,000 | $ 212,000 | $ 144,000 |
| Citrus County Florida | 1 | $ 250,000 | $ 250,000 | $ 257,000 |
| Clay County Florida | 1 | $ 74,000 | $ 74,000 | $ 40,000 |
| Hendry County Florida | 1 | $ 86,000 | $ 86,000 | $ 56,000 |
| Highlands County Florida | 1 | $ 58,000 | $ 58,000 | $ 123,000 |
| Lake County Florida | 1 | $ 220,000 | $ 220,000 | $ 83,000 |
| Okaloosa County Florida | 1 | $ 191,000 | $ 191,000 | $ 67,000 |
| Okeechobee County Florida | 1 | $ 164,000 | $ 164,000 | $ 120,000 |
| Osceola County Florida | 1 | $ 255,000 | $ 255,000 | $ 102,000 |
| Clarke County Georgia | 1 | $ 441,000 | $ 441,000 | $ 0 |
| Coweta County Georgia | 1 | $ 152,000 | $ 152,000 | $ 89,000 |
| DeKalb County Georgia | 1 | $ 584,000 | $ 584,000 | $ 371,000 |
| Gwinnett County Georgia | 1 | $ 513,000 | $ 513,000 | $ 0 |
| Honolulu County Hawaii | 1 | $ 777,000 | $ 777,000 | $ 0 |
| Brown County Indiana | 1 | $ 306,000 | $ 306,000 | $ 307,000 |
| LaGrange County Indiana | 1 | $ 241,000 | $ 241,000 | $ 243,000 |
| Montgomery County Indiana | 1 | $ 122,000 | $ 122,000 | $ 36,000 |
| Polk County Iowa | 1 | $ 165,000 | $ 165,000 | $ 130,000 |
| Harrison County Kentucky | 1 | $ 208,000 | $ 208,000 | $ 78,000 |
| Lee County Kentucky | 1 | $ 288,000 | $ 288,000 | $ 547,000 |
| Wayne County Kentucky | 1 | $ 366,000 | $ 366,000 | $ 115,000 |
| Berkshire County Massachusetts | 1 | $ 436,000 | $ 436,000 | $ 0 |
| Bristol County Massachusetts | 1 | $ 413,000 | $ 413,000 | $ 0 |
| Barry County Michigan | 1 | $ 289,000 | $ 289,000 | $ 233,000 |
| Berrien County Michigan | 1 | $ 112,000 | $ 112,000 | $ 247,000 |
| Emmet County Michigan | 1 | $ 220,000 | $ 220,000 | $ 99,000 |
| Ionia County Michigan | 1 | $ 77,000 | $ 77,000 | $ 88,000 |
| Jackson County Michigan | 1 | $ 261,000 | $ 261,000 | $ 172,000 |
| Ottawa County Michigan | 1 | $ 176,000 | $ 176,000 | $ 50,000 |
| St. Clair County Michigan | 1 | $ 90,000 | $ 90,000 | $ 65,000 |
| Aitkin County Minnesota | 1 | $ 272,000 | $ 272,000 | $ 46,000 |
| Becker County Minnesota | 1 | $ 320,000 | $ 320,000 | $ 183,000 |
| Douglas County Minnesota | 1 | $ 180,000 | $ 180,000 | $ 120,000 |
| Hubbard County Minnesota | 1 | $ 400,000 | $ 400,000 | $ 872,000 |
| Lake County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 42,000 |
| Stearns County Minnesota | 1 | $ 346,000 | $ 346,000 | $ 138,000 |
| Barry County Missouri | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Jackson County Missouri | 1 | $ 180,000 | $ 180,000 | $ 175,000 |
| Lancaster County Nebraska | 1 | $ 233,000 | $ 233,000 | $ 0 |
| Clark County Nevada | 1 | $ 490,000 | $ 490,000 | $ 0 |
| Bergen County New Jersey | 1 | $ 131,000 | $ 131,000 | $ 0 |
| Mercer County New Jersey | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Dona Ana County New Mexico | 1 | $ 694,000 | $ 694,000 | $ 0 |
| Bronx County New York | 1 | $ 938,000 | $ 938,000 | $ 0 |
| Nassau County New York | 1 | $ 587,000 | $ 587,000 | $ 0 |
| Cabarrus County North Carolina | 1 | $ 919,000 | $ 919,000 | $ 192,000 |
| Chatham County North Carolina | 1 | $ 558,000 | $ 558,000 | $ 275,000 |
| Durham County North Carolina | 1 | $ 291,000 | $ 291,000 | $ 160,000 |
| New Hanover County North Carolina | 1 | $ 214,000 | $ 214,000 | $ 73,000 |
| Orange County North Carolina | 1 | $ 563,000 | $ 563,000 | $ 222,000 |
| Pender County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
| Rowan County North Carolina | 1 | $ 398,000 | $ 398,000 | $ 490,000 |
| Wayne County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 90,000 |
| Allen County Ohio | 1 | $ 64,000 | $ 64,000 | $ 45,000 |
| Champaign County Ohio | 1 | $ 124,000 | $ 124,000 | $ 55,000 |
| Clark County Ohio | 1 | $ 198,000 | $ 198,000 | $ 225,000 |
| Hardin County Ohio | 1 | $ 92,000 | $ 92,000 | $ 39,000 |
| Licking County Ohio | 1 | $ 167,000 | $ 167,000 | $ 90,000 |
| Preble County Ohio | 1 | $ 74,000 | $ 74,000 | $ 0 |
| Trumbull County Ohio | 1 | $ 103,000 | $ 103,000 | $ 68,000 |
| Wood County Ohio | 1 | $ 101,000 | $ 101,000 | $ 161,000 |
| Newport County Rhode Island | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Aiken County South Carolina | 1 | $ 321,000 | $ 321,000 | $ 0 |
| Dorchester County South Carolina | 1 | $ 321,000 | $ 321,000 | $ 0 |
| Campbell County Tennessee | 1 | $ 83,000 | $ 83,000 | $ 239,000 |
| Sevier County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 128,000 |
| Williamson County Tennessee | 1 | $ 495,000 | $ 495,000 | $ 185,000 |
| Wilson County Tennessee | 1 | $ 149,000 | $ 149,000 | $ 0 |
| Collin County Texas | 1 | $ 512,000 | $ 512,000 | $ 323,000 |
| Alexandria County Virginia | 1 | $ 699,000 | $ 699,000 | $ 0 |
| Fluvanna County Virginia | 1 | $ 551,000 | $ 551,000 | $ 0 |
| Loudoun County Virginia | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Marshall County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Dane County Wisconsin | 1 | $ 90,000 | $ 90,000 | $ 145,000 |
Mortgage Loan Application Detail Totals for Liberty Savings Bank, F.S.B. in 2016
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 | 1,231 | $351,726,000 | $285,000 | $1,667,000 | $119,000 | $872,000 |
| Home Purchase | 1,127 | $308,735,000 | $273,000 | $1,388,000 | $112,000 | $1,061,000 |
| Home Improvement | 60 | $16,364,000 | $272,000 | $595,000 | $130,000 | $508,000 |
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 | 1,908 | $487,413,000 | $255,000 | $1,057,000 | $126,000 | $1,061,000 |
| Not applicable | 182 | $96,893,000 | $532,000 | $1,667,000 | $0 | $0 |
| Not Provided | 110 | $31,381,000 | $285,000 | $967,000 | $134,000 | $452,000 |
| Asian | 102 | $33,500,000 | $328,000 | $1,280,000 | $158,000 | $541,000 |
| Hispanic | 69 | $16,969,000 | $245,000 | $750,000 | $102,000 | $424,000 |
| Black or African American | 39 | $8,593,000 | $220,000 | $690,000 | $76,000 | $225,000 |
| Native Hawaiin or Other Pacific Islander | 4 | $1,145,000 | $286,000 | $416,000 | $134,000 | $196,000 |
| American Indian or Alaskan Native | 4 | $931,000 | $232,000 | $353,000 | $79,000 | $135,000 |
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) | 2,332 | $660,503,000 | $283,000 | $1,667,000 | $118,000 | $1,061,000 |
| FHA-insured (Federal Housing Administration) | 86 | $16,322,000 | $189,000 | $406,000 | $59,000 | $210,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 1,895 | $495,762,000 | $261,000 | $1,280,000 | $128,000 | $1,061,000 |
| Application Denied By Financial Institution | 211 | $49,996,000 | $236,000 | $919,000 | $107,000 | $872,000 |
| Loan Purchased By The Institution | 180 | $95,822,000 | $532,000 | $1,667,000 | $0 | $0 |
| Application Withdrawn By Applicant | 97 | $26,509,000 | $273,000 | $980,000 | $119,000 | $850,000 |
| Application Approved But Not Accepted | 20 | $5,553,000 | $277,000 | $417,000 | $151,000 | $525,000 |
| File Closed For Incompleteness | 11 | $1,748,000 | $158,000 | $260,000 | $108,000 | $562,000 |
| Preapproval Denied by Financial Institution | 4 | $1,435,000 | $358,000 | $770,000 | $111,000 | $285,000 |
| Preapproval Approved but not Accepted | 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 | 98 | $24,649,000 | $251,000 | $919,000 | $129,000 | $872,000 |
| Collateral | 36 | $8,566,000 | $237,000 | $566,000 | $124,000 | $513,000 |
| Debt-To-Income Ratio | 33 | $6,965,000 | $211,000 | $770,000 | $82,000 | $292,000 |
| Unverifiable Information | 16 | $3,525,000 | $220,000 | $493,000 | $38,000 | $144,000 |
| Employment History | 11 | $2,383,000 | $216,000 | $417,000 | $59,000 | $145,000 |
| Credit History | 9 | $2,578,000 | $286,000 | $770,000 | $107,000 | $285,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,594,000 | $265,000 | $635,000 | $76,000 | $164,000 |
| Credit Application Incomplete | 4 | $748,000 | $187,000 | $272,000 | $67,000 | $122,000 |
| Mortgage Insurance Denied | 2 | $423,000 | $211,000 | $230,000 | $122,000 | $133,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Savings Bank, F.S.B.'s 2016 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, F.S.B.'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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