Liberty Savings Bank, FSB Mortgage Lending & HMDA Data, 2017

In 2017, Liberty Savings Bank, FSB of Wilmington, OH reported 1,685 mortgage applications totaling $483.2 million, down 30% from 2016. The average application was for $286,789, and applicants reported an average income of $119,048. 79% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (353), Cincinnati, OH-KY-IN (192) and Minneapolis-St. Paul-Bloomington, MN-WI (163) (applications in parentheses).

Mortgage Company & Address Liberty Savings Bank, FSB
3435 Airborne Rd, Ste B
Wilmington, OH 45177
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 1,685
Total Mortgage Loan Application Amount $483,240,000
Average Mortgage Loan Application Amount $286,789
Highest Mortgage Loan Application Amount $2,100,000
Average Applicant Income $119,048
Highest Applicant Income $1,401,000

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records Liberty Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Liberty Savings Bank, FSB by County in 2017

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Denver, Colorado 87 $ 29,513,000 $ 339,229 $ 138,000
Pinellas, Florida 77 $ 22,273,000 $ 289,259 $ 148,000
Jefferson, Colorado 75 $ 24,249,000 $ 323,320 $ 119,000
Arapahoe, Colorado 69 $ 21,755,000 $ 315,289 $ 122,000
Douglas, Colorado 68 $ 23,063,000 $ 339,161 $ 137,000
Hennepin, Minnesota 64 $ 20,472,000 $ 319,875 $ 128,000
Oakland, Michigan 59 $ 15,995,000 $ 271,101 $ 129,000
Grand, Colorado 53 $ 15,045,000 $ 283,867 $ 181,000
Sarasota, Florida 48 $ 11,476,000 $ 239,083 $ 134,000
Palm Beach, Florida 45 $ 11,501,000 $ 255,577 $ 139,000
Allen, Indiana 45 $ 7,343,000 $ 163,177 $ 75,000
Adams, Colorado 44 $ 12,540,000 $ 285,000 $ 107,000
Duval, Florida 43 $ 9,869,000 $ 229,511 $ 108,000
Livingston, Michigan 41 $ 9,402,000 $ 229,317 $ 100,000
Boulder, Colorado 35 $ 12,672,000 $ 362,057 $ 129,000
Boone, Kentucky 34 $ 7,764,000 $ 228,352 $ 110,000
Butler, Ohio 30 $ 6,891,000 $ 229,700 $ 106,000
Kenton, Kentucky 28 $ 4,700,000 $ 167,857 $ 98,000
St. Johns, Florida 27 $ 8,814,000 $ 326,444 $ 136,000
Hamilton, Ohio 26 $ 5,869,000 $ 225,730 $ 89,000
Manatee, Florida 25 $ 6,546,000 $ 261,840 $ 129,000
Warren, Ohio 25 $ 5,824,000 $ 232,960 $ 127,000
Weld, Colorado 24 $ 6,818,000 $ 284,083 $ 113,000
Dakota, Minnesota 24 $ 6,456,000 $ 269,000 $ 108,000
Ramsey, Minnesota 24 $ 6,463,000 $ 269,291 $ 132,000
Anoka, Minnesota 23 $ 5,557,000 $ 241,608 $ 88,000
Hartford, Connecticut 22 $ 4,497,000 $ 204,409 $ 0
Lee, Florida 22 $ 6,086,000 $ 276,636 $ 140,000
Campbell, Kentucky 21 $ 4,211,000 $ 200,523 $ 105,000
Hillsborough, Florida 20 $ 5,112,000 $ 255,600 $ 121,000
Tolland, Connecticut 18 $ 2,734,000 $ 151,888 $ 0
Larimer, Colorado 17 $ 5,338,000 $ 314,000 $ 135,000
Wayne, Michigan 16 $ 3,446,000 $ 215,375 $ 93,000
Wake, North Carolina 15 $ 3,907,000 $ 260,466 $ 218,000
Pasco, Florida 12 $ 2,625,000 $ 218,750 $ 132,000
Hamilton, Indiana 12 $ 4,926,000 $ 410,500 $ 189,000
Santa Cruz, California 11 $ 8,334,000 $ 757,636 $ 0
El Paso, Colorado 10 $ 2,819,000 $ 281,900 $ 110,000
Grant, Kentucky 10 $ 1,535,000 $ 153,500 $ 56,000
Pendleton, Kentucky 10 $ 1,422,000 $ 142,200 $ 64,000
Montgomery, Ohio 10 $ 2,847,000 $ 284,700 $ 167,000
Broomfield, Colorado 9 $ 3,355,000 $ 372,777 $ 120,000
District of Columbia, District Of Columbia 9 $ 8,020,000 $ 891,111 $ 0
Clay, Florida 9 $ 2,321,000 $ 257,888 $ 101,000
Montgomery, Maryland 9 $ 6,793,000 $ 754,777 $ 0
Cuyahoga, Ohio 9 $ 1,048,000 $ 116,444 $ 61,000
Macomb, Michigan 8 $ 1,563,000 $ 195,375 $ 84,000
Washtenaw, Michigan 8 $ 1,890,000 $ 236,250 $ 133,000
Scott, Minnesota 8 $ 2,311,000 $ 288,875 $ 99,000
Clermont, Ohio 7 $ 1,274,000 $ 182,000 $ 125,000
Lorain, Ohio 7 $ 1,980,000 $ 282,857 $ 137,000
Routt, Colorado 6 $ 2,386,000 $ 397,666 $ 257,000
Summit, Colorado 6 $ 2,225,000 $ 370,833 $ 113,000
Collier, Florida 6 $ 1,952,000 $ 325,333 $ 117,000
Wright, Minnesota 6 $ 1,366,000 $ 227,666 $ 88,000
Anne Arundel, Maryland 5 $ 3,903,000 $ 780,600 $ 0
Washington, Minnesota 5 $ 1,713,000 $ 342,600 $ 140,000
Franklin, Ohio 5 $ 822,000 $ 164,400 $ 60,000
DeKalb, Indiana 4 $ 725,000 $ 181,250 $ 128,000
Kosciusko, Indiana 4 $ 905,000 $ 226,250 $ 99,000
Wells, Indiana 4 $ 491,000 $ 122,750 $ 57,000
Genesee, Michigan 4 $ 1,124,000 $ 281,000 $ 179,000
Medina, Ohio 4 $ 594,000 $ 148,500 $ 73,000
Williamson, Tennessee 4 $ 2,154,000 $ 538,500 $ 174,000
Denton, Texas 4 $ 2,015,000 $ 503,750 $ 180,000
Fairfax, Virginia 4 $ 2,885,000 $ 721,250 $ 0
Los Angeles, California 3 $ 2,854,000 $ 951,333 $ 385,000
Chaffee, Colorado 3 $ 671,000 $ 223,666 $ 149,000
Charlotte, Florida 3 $ 512,000 $ 170,666 $ 80,000
Martin, Florida 3 $ 1,068,000 $ 356,000 $ 177,000
Hendricks, Indiana 3 $ 405,000 $ 135,000 $ 56,000
Marion, Indiana 3 $ 493,000 $ 164,333 $ 43,000
Chisago, Minnesota 3 $ 768,000 $ 256,000 $ 92,000
Sherburne, Minnesota 3 $ 628,000 $ 209,333 $ 61,000
Greene, Ohio 3 $ 824,000 $ 274,666 $ 171,000
Lake, Ohio 3 $ 538,000 $ 179,333 $ 105,000
Tarrant, Texas 3 $ 1,845,000 $ 615,000 $ 455,000
Travis, Texas 3 $ 1,627,000 $ 542,333 $ 175,000
Mesa, Colorado 2 $ 279,000 $ 139,500 $ 171,000
Washington, Colorado 2 $ 238,000 $ 119,000 $ 27,000
Fairfield, Connecticut 2 $ 951,000 $ 475,500 $ 0
St. Lucie, Florida 2 $ 401,000 $ 200,500 $ 105,000
Volusia, Florida 2 $ 820,000 $ 410,000 $ 108,000
Adams, Indiana 2 $ 227,000 $ 113,500 $ 56,000
Boone, Indiana 2 $ 973,000 $ 486,500 $ 247,000
Hancock, Indiana 2 $ 1,038,000 $ 519,000 $ 206,000
Huntington, Indiana 2 $ 439,000 $ 219,500 $ 75,000
LaGrange, Indiana 2 $ 284,000 $ 142,000 $ 127,000
Noble, Indiana 2 $ 349,000 $ 174,500 $ 69,000
Johnson, Kansas 2 $ 627,000 $ 313,500 $ 120,000
Howard, Maryland 2 $ 1,572,000 $ 786,000 $ 59,000
Hampden, Massachusetts 2 $ 303,000 $ 151,500 $ 0
Middlesex, Massachusetts 2 $ 772,000 $ 386,000 $ 182,000
Carver, Minnesota 2 $ 743,000 $ 371,500 $ 161,000
St. Louis, Missouri 2 $ 409,000 $ 204,500 $ 113,000
Guilford, North Carolina 2 $ 300,000 $ 150,000 $ 96,000
Allen, Ohio 2 $ 391,000 $ 195,500 $ 115,000
Lehigh, Pennsylvania 2 $ 403,000 $ 201,500 $ 89,000
Alameda, California 1 $ 385,000 $ 385,000 $ 143,000
Eagle, Colorado 1 $ 424,000 $ 424,000 $ 344,000
Hinsdale, Colorado 1 $ 417,000 $ 417,000 $ 192,000
La Plata, Colorado 1 $ 155,000 $ 155,000 $ 39,000
Lake, Colorado 1 $ 200,000 $ 200,000 $ 183,000
Morgan, Colorado 1 $ 81,000 $ 81,000 $ 91,000
Park, Colorado 1 $ 258,000 $ 258,000 $ 97,000
Pueblo, Colorado 1 $ 148,000 $ 148,000 $ 98,000
Litchfield, Connecticut 1 $ 97,000 $ 97,000 $ 0
Middlesex, Connecticut 1 $ 147,000 $ 147,000 $ 0
New Haven, Connecticut 1 $ 139,000 $ 139,000 $ 0
Windham, Connecticut 1 $ 99,000 $ 99,000 $ 0
Bradford, Florida 1 $ 300,000 $ 300,000 $ 96,000
Broward, Florida 1 $ 1,200,000 $ 1,200,000 $ 1,063,000
Gilchrist, Florida 1 $ 424,000 $ 424,000 $ 100,000
Highlands, Florida 1 $ 263,000 $ 263,000 $ 149,000
Miami-Dade, Florida 1 $ 150,000 $ 150,000 $ 105,000
Nassau, Florida 1 $ 92,000 $ 92,000 $ 115,000
Okeechobee, Florida 1 $ 111,000 $ 111,000 $ 112,000
Osceola, Florida 1 $ 168,000 $ 168,000 $ 471,000
Seminole, Florida 1 $ 270,000 $ 270,000 $ 107,000
Cobb, Georgia 1 $ 178,000 $ 178,000 $ 55,000
DeKalb, Georgia 1 $ 424,000 $ 424,000 $ 280,000
Forsyth, Georgia 1 $ 260,000 $ 260,000 $ 67,000
Fulton, Georgia 1 $ 244,000 $ 244,000 $ 135,000
Hall, Georgia 1 $ 147,000 $ 147,000 $ 38,000
Lake, Illinois 1 $ 232,000 $ 232,000 $ 100,000
Blackford, Indiana 1 $ 76,000 $ 76,000 $ 48,000
Johnson, Indiana 1 $ 440,000 $ 440,000 $ 179,000
Wabash, Indiana 1 $ 74,000 $ 74,000 $ 77,000
Whitley, Indiana 1 $ 256,000 $ 256,000 $ 109,000
Gallatin, Kentucky 1 $ 204,000 $ 204,000 $ 142,000
Harrison, Kentucky 1 $ 196,000 $ 196,000 $ 41,000
Calvert, Maryland 1 $ 1,120,000 $ 1,120,000 $ 0
Queen Anne's, Maryland 1 $ 680,000 $ 680,000 $ 0
Barnstable, Massachusetts 1 $ 149,000 $ 149,000 $ 0
Hampshire, Massachusetts 1 $ 100,000 $ 100,000 $ 0
Norfolk, Massachusetts 1 $ 346,000 $ 346,000 $ 0
Suffolk, Massachusetts 1 $ 413,000 $ 413,000 $ 805,000
Worcester, Massachusetts 1 $ 486,000 $ 486,000 $ 195,000
Antrim, Michigan 1 $ 331,000 $ 331,000 $ 102,000
Barry, Michigan 1 $ 74,000 $ 74,000 $ 43,000
Cheboygan, Michigan 1 $ 127,000 $ 127,000 $ 91,000
Clinton, Michigan 1 $ 166,000 $ 166,000 $ 56,000
Jackson, Michigan 1 $ 223,000 $ 223,000 $ 150,000
Muskegon, Michigan 1 $ 163,000 $ 163,000 $ 70,000
Ogemaw, Michigan 1 $ 93,000 $ 93,000 $ 178,000
Roscommon, Michigan 1 $ 320,000 $ 320,000 $ 210,000
Clearwater, Minnesota 1 $ 169,000 $ 169,000 $ 37,000
Crow Wing, Minnesota 1 $ 409,000 $ 409,000 $ 189,000
Douglas, Minnesota 1 $ 210,000 $ 210,000 $ 247,000
Hubbard, Minnesota 1 $ 273,000 $ 273,000 $ 120,000
Isanti, Minnesota 1 $ 264,000 $ 264,000 $ 66,000
Itasca, Minnesota 1 $ 80,000 $ 80,000 $ 33,000
Olmsted, Minnesota 1 $ 160,000 $ 160,000 $ 202,000
Polk, Minnesota 1 $ 100,000 $ 100,000 $ 25,000
Rice, Minnesota 1 $ 270,000 $ 270,000 $ 100,000
St. Louis, Minnesota 1 $ 280,000 $ 280,000 $ 92,000
Stearns, Minnesota 1 $ 216,000 $ 216,000 $ 65,000
Jackson, Missouri 1 $ 172,000 $ 172,000 $ 181,000
Newton, Missouri 1 $ 424,000 $ 424,000 $ 610,000
Carteret, North Carolina 1 $ 390,000 $ 390,000 $ 155,000
Durham, North Carolina 1 $ 369,000 $ 369,000 $ 236,000
Forsyth, North Carolina 1 $ 99,000 $ 99,000 $ 83,000
Iredell, North Carolina 1 $ 765,000 $ 765,000 $ 319,000
Mecklenburg, North Carolina 1 $ 770,000 $ 770,000 $ 410,000
Delaware, Ohio 1 $ 229,000 $ 229,000 $ 160,000
Hardin, Ohio 1 $ 150,000 $ 150,000 $ 87,000
Logan, Ohio 1 $ 95,000 $ 95,000 $ 30,000
Richland, Ohio 1 $ 140,000 $ 140,000 $ 65,000
Ross, Ohio 1 $ 193,000 $ 193,000 $ 61,000
Scioto, Ohio 1 $ 192,000 $ 192,000 $ 105,000
Seneca, Ohio 1 $ 119,000 $ 119,000 $ 69,000
Stark, Ohio 1 $ 197,000 $ 197,000 $ 0
Wood, Ohio 1 $ 188,000 $ 188,000 $ 64,000
Franklin, Pennsylvania 1 $ 312,000 $ 312,000 $ 0
Knox, Tennessee 1 $ 117,000 $ 117,000 $ 0
Rutherford, Tennessee 1 $ 520,000 $ 520,000 $ 150,000
Sumner, Tennessee 1 $ 485,000 $ 485,000 $ 144,000
Montgomery, Texas 1 $ 424,000 $ 424,000 $ 397,000
Parker, Texas 1 $ 399,000 $ 399,000 $ 88,000
Summit, Utah 1 $ 1,000,000 $ 1,000,000 $ 0
Falls Church, Virginia 1 $ 600,000 $ 600,000 $ 0

Mortgage Loan Application Detail Totals for Liberty Savings Bank, FSB in 2017

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 1,036 $305,512,000 $294,000 $2,100,000 $122,000 $731,000
Refinancing 540 $150,208,000 $278,000 $1,408,000 $114,000 $1,401,000
Home Improvement 109 $27,520,000 $252,000 $610,000 $116,000 $799,000

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 1,392 $374,645,000 $269,000 $1,408,000 $123,000 $1,401,000
Asian 106 $33,854,000 $319,000 $742,000 $140,000 $651,000
Not Provided 58 $17,489,000 $301,000 $656,000 $132,000 $550,000
Hispanic 53 $13,495,000 $254,000 $713,000 $92,000 $263,000
Not applicable 49 $36,135,000 $737,000 $2,100,000 $0 $0
Black or African American 21 $5,743,000 $273,000 $690,000 $93,000 $270,000
American Indian or Alaskan Native 4 $1,324,000 $331,000 $417,000 $199,000 $232,000
Native Hawaiian or Other Pacific Islander 2 $555,000 $277,000 $372,000 $125,000 $250,000

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) 1,575 $461,029,000 $292,000 $2,100,000 $123,000 $1,401,000
FHA-insured (Federal Housing Administration) 99 $19,875,000 $200,000 $403,000 $70,000 $172,000
VA-guaranteed (Veterans Administration) 6 $1,724,000 $287,000 $400,000 $87,000 $145,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 5 $612,000 $122,000 $215,000 $54,000 $67,000

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 1,324 $366,784,000 $277,000 $1,408,000 $127,000 $1,401,000
Application Denied By Financial Institution 196 $53,298,000 $271,000 $770,000 $123,000 $805,000
Loan Purchased By The Institution 106 $46,526,000 $438,000 $2,100,000 $0 $0
Application Withdrawn By Applicant 41 $10,804,000 $263,000 $736,000 $140,000 $728,000
Application Approved But Not Accepted 16 $4,919,000 $307,000 $676,000 $141,000 $338,000
Preapproval Denied by Financial Institution 2 $909,000 $454,000 $624,000 $114,000 $125,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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
Unverifiable Information 69 $18,783,000 $272,000 $742,000 $132,000 $651,000
Collateral 40 $9,973,000 $249,000 $770,000 $141,000 $805,000
Debt-To-Income Ratio 38 $12,131,000 $319,000 $765,000 $88,000 $318,000
Other 27 $7,109,000 $263,000 $674,000 $124,000 $280,000
Credit History 14 $3,415,000 $243,000 $624,000 $122,000 $283,000
Employment History 5 $1,595,000 $319,000 $424,000 $139,000 $397,000
Credit Application Incomplete 4 $794,000 $198,000 $346,000 $43,000 $77,000
Insufficient Cash (Downpayment, Closing Cost) 1 $407,000 $407,000 $407,000 $229,000 $229,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Savings Bank, FSB's 2017 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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