Liberty Savings Bank, F.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Liberty Savings Bank, F.S.B. 2018 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 | 1,631 |
| Total Mortgage Loan Application Amount | $455,995,000 |
| Average Mortgage Loan Application Amount | $289,400 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $114,000 |
| Highest Applicant Income | $5,650,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Grand County Colorado | 64 | $ 20,580,000 | $ 321,000 | $ 210,000 |
| Denver County Colorado | 57 | $ 23,545,000 | $ 413,000 | $ 154,000 |
| Jefferson County Colorado | 56 | $ 19,920,000 | $ 355,000 | $ 152,000 |
| Pinellas County Florida | 55 | $ 12,835,000 | $ 233,000 | $ 134,000 |
| Hennepin County Minnesota | 55 | $ 15,815,000 | $ 287,000 | $ 134,000 |
| Duval County Florida | 53 | $ 12,615,000 | $ 238,000 | $ 124,000 |
| Arapahoe County Colorado | 51 | $ 15,395,000 | $ 301,000 | $ 119,000 |
| Palm Beach County Florida | 50 | $ 16,600,000 | $ 332,000 | $ 166,000 |
| Allen County Indiana | 45 | $ 7,595,000 | $ 168,000 | $ 83,000 |
| Douglas County Colorado | 42 | $ 15,160,000 | $ 360,000 | $ 137,000 |
| Norfolk County Massachusetts | 39 | $ 16,305,000 | $ 418,000 | $ 193,000 |
| Oakland County Michigan | 37 | $ 9,075,000 | $ 245,000 | $ 133,000 |
| Livingston County Michigan | 31 | $ 6,605,000 | $ 213,000 | $ 102,000 |
| Hamilton County Ohio | 31 | $ 6,265,000 | $ 202,000 | $ 300,000 |
| Boulder County Colorado | 28 | $ 11,420,000 | $ 407,000 | $ 152,000 |
| Hillsborough County Florida | 28 | $ 6,490,000 | $ 231,000 | $ 96,000 |
| Butler County Ohio | 27 | $ 6,425,000 | $ 237,000 | $ 113,000 |
| St. Johns County Florida | 26 | $ 5,810,000 | $ 223,000 | $ 104,000 |
| Adams County Colorado | 25 | $ 8,405,000 | $ 336,000 | $ 123,000 |
| Anoka County Minnesota | 25 | $ 5,815,000 | $ 232,000 | $ 107,000 |
| Weld County Colorado | 24 | $ 7,200,000 | $ 300,000 | $ 97,000 |
| Manatee County Florida | 23 | $ 6,605,000 | $ 287,000 | $ 109,000 |
| Sarasota County Florida | 23 | $ 5,105,000 | $ 221,000 | $ 100,000 |
| Waukesha County Wisconsin | 23 | $ 9,195,000 | $ 399,000 | $ 0 |
| Lee County Florida | 19 | $ 5,795,000 | $ 305,000 | $ 156,000 |
| Campbell County Kentucky | 18 | $ 3,260,000 | $ 181,000 | $ 88,000 |
| Middlesex County Massachusetts | 18 | $ 7,980,000 | $ 443,000 | $ 0 |
| Wayne County Michigan | 18 | $ 3,330,000 | $ 185,000 | $ 94,000 |
| Summit County Colorado | 17 | $ 6,405,000 | $ 376,000 | $ 199,000 |
| Warren County Ohio | 17 | $ 4,455,000 | $ 262,000 | $ 134,000 |
| Pasco County Florida | 16 | $ 3,520,000 | $ 220,000 | $ 92,000 |
| Boone County Kentucky | 15 | $ 3,725,000 | $ 248,000 | $ 99,000 |
| Ramsey County Minnesota | 15 | $ 4,215,000 | $ 281,000 | $ 240,000 |
| Cuyahoga County Ohio | 15 | $ 2,805,000 | $ 187,000 | $ 115,000 |
| Larimer County Colorado | 14 | $ 5,660,000 | $ 404,000 | $ 161,000 |
| Dakota County Minnesota | 13 | $ 3,205,000 | $ 246,000 | $ 166,000 |
| Kenton County Kentucky | 12 | $ 2,620,000 | $ 218,000 | $ 119,000 |
| Wright County Minnesota | 12 | $ 3,200,000 | $ 266,000 | $ 112,000 |
| Wake County North Carolina | 10 | $ 2,800,000 | $ 280,000 | $ 118,000 |
| El Paso County Colorado | 9 | $ 3,255,000 | $ 361,000 | $ 140,000 |
| Clay County Florida | 9 | $ 2,155,000 | $ 239,000 | $ 88,000 |
| Collier County Florida | 9 | $ 2,895,000 | $ 321,000 | $ 154,000 |
| Genesee County Michigan | 9 | $ 1,345,000 | $ 149,000 | $ 82,000 |
| Fairfax County Virginia | 9 | $ 3,395,000 | $ 377,000 | $ 155,000 |
| Dane County Wisconsin | 9 | $ 2,355,000 | $ 261,000 | $ 0 |
| Effingham County Georgia | 8 | $ 1,410,000 | $ 176,000 | $ 84,000 |
| Fulton County Georgia | 8 | $ 2,620,000 | $ 327,000 | $ 135,000 |
| Baltimore County Maryland | 8 | $ 1,570,000 | $ 196,000 | $ 91,000 |
| Suffolk County Massachusetts | 8 | $ 2,740,000 | $ 342,000 | $ 320,000 |
| Sherburne County Minnesota | 8 | $ 1,680,000 | $ 210,000 | $ 90,000 |
| Routt County Colorado | 7 | $ 2,035,000 | $ 290,000 | $ 179,000 |
| Hernando County Florida | 7 | $ 1,065,000 | $ 152,000 | $ 71,000 |
| Martin County Florida | 7 | $ 1,625,000 | $ 232,000 | $ 104,000 |
| Medina County Ohio | 7 | $ 1,135,000 | $ 162,000 | $ 105,000 |
| Hamilton County Indiana | 6 | $ 2,740,000 | $ 456,000 | $ 175,000 |
| Jackson County Michigan | 6 | $ 770,000 | $ 128,000 | $ 82,000 |
| Carver County Minnesota | 6 | $ 1,780,000 | $ 296,000 | $ 214,000 |
| Stearns County Minnesota | 6 | $ 1,080,000 | $ 180,000 | $ 113,000 |
| Broward County Florida | 5 | $ 1,105,000 | $ 221,000 | $ 113,000 |
| Orange County Florida | 5 | $ 945,000 | $ 189,000 | $ 58,000 |
| Seminole County Florida | 5 | $ 1,505,000 | $ 301,000 | $ 154,000 |
| St. Lucie County Florida | 5 | $ 1,065,000 | $ 213,000 | $ 77,000 |
| Cobb County Georgia | 5 | $ 1,125,000 | $ 225,000 | $ 61,000 |
| Pendleton County Kentucky | 5 | $ 675,000 | $ 135,000 | $ 84,000 |
| Macomb County Michigan | 5 | $ 825,000 | $ 165,000 | $ 72,000 |
| Clermont County Ohio | 5 | $ 1,405,000 | $ 281,000 | $ 110,000 |
| Montgomery County Ohio | 5 | $ 1,025,000 | $ 205,000 | $ 126,000 |
| Summit County Ohio | 5 | $ 1,085,000 | $ 217,000 | $ 150,000 |
| Albemarle County Virginia | 5 | $ 1,765,000 | $ 353,000 | $ 241,000 |
| Prince William County Virginia | 5 | $ 1,475,000 | $ 295,000 | $ 112,000 |
| Milwaukee County Wisconsin | 5 | $ 1,255,000 | $ 251,000 | $ 0 |
| Broomfield County Colorado | 4 | $ 1,570,000 | $ 392,000 | $ 159,000 |
| Lake County Florida | 4 | $ 530,000 | $ 132,000 | $ 59,000 |
| DeKalb County Georgia | 4 | $ 1,210,000 | $ 302,000 | $ 134,000 |
| Adams County Indiana | 4 | $ 820,000 | $ 205,000 | $ 96,000 |
| Marion County Indiana | 4 | $ 610,000 | $ 152,000 | $ 67,000 |
| Grant County Kentucky | 4 | $ 510,000 | $ 127,000 | $ 90,000 |
| Montgomery County Maryland | 4 | $ 2,050,000 | $ 512,000 | $ 210,000 |
| Worcester County Massachusetts | 4 | $ 1,070,000 | $ 267,000 | $ 0 |
| Washtenaw County Michigan | 4 | $ 820,000 | $ 205,000 | $ 154,000 |
| Washington County Minnesota | 4 | $ 1,340,000 | $ 335,000 | $ 168,000 |
| Henrico County Virginia | 4 | $ 760,000 | $ 190,000 | $ 72,000 |
| Richmond City County Virginia | 4 | $ 600,000 | $ 150,000 | $ 201,000 |
| Oneida County Wisconsin | 4 | $ 560,000 | $ 140,000 | $ 0 |
| Mesa County Colorado | 3 | $ 625,000 | $ 208,000 | $ 73,000 |
| Pueblo County Colorado | 3 | $ 565,000 | $ 188,000 | $ 301,000 |
| Charlotte County Florida | 3 | $ 795,000 | $ 265,000 | $ 258,000 |
| Chatham County Georgia | 3 | $ 315,000 | $ 105,000 | $ 34,000 |
| Gwinnett County Georgia | 3 | $ 335,000 | $ 111,000 | $ 41,000 |
| Plymouth County Massachusetts | 3 | $ 1,775,000 | $ 591,000 | $ 276,000 |
| Chisago County Minnesota | 3 | $ 655,000 | $ 218,000 | $ 77,000 |
| Scott County Minnesota | 3 | $ 945,000 | $ 315,000 | $ 122,000 |
| St. Louis County Minnesota | 3 | $ 535,000 | $ 178,000 | $ 83,000 |
| Franklin County Ohio | 3 | $ 375,000 | $ 125,000 | $ 242,000 |
| Loudoun County Virginia | 3 | $ 835,000 | $ 278,000 | $ 86,000 |
| Brown County Wisconsin | 3 | $ 345,000 | $ 115,000 | $ 0 |
| Ozaukee County Wisconsin | 3 | $ 1,055,000 | $ 351,000 | $ 0 |
| Walworth County Wisconsin | 3 | $ 885,000 | $ 295,000 | $ 0 |
| Elbert County Colorado | 2 | $ 1,070,000 | $ 535,000 | $ 195,000 |
| Okeechobee County Florida | 2 | $ 320,000 | $ 160,000 | $ 78,000 |
| Polk County Florida | 2 | $ 390,000 | $ 195,000 | $ 86,000 |
| Bulloch County Georgia | 2 | $ 180,000 | $ 90,000 | $ 54,000 |
| Dawson County Georgia | 2 | $ 480,000 | $ 240,000 | $ 91,000 |
| Glynn County Georgia | 2 | $ 740,000 | $ 370,000 | $ 139,000 |
| Hall County Georgia | 2 | $ 640,000 | $ 320,000 | $ 126,000 |
| Henry County Georgia | 2 | $ 240,000 | $ 120,000 | $ 201,000 |
| Lumpkin County Georgia | 2 | $ 360,000 | $ 180,000 | $ 56,000 |
| Kosciusko County Indiana | 2 | $ 320,000 | $ 160,000 | $ 118,000 |
| Steuben County Indiana | 2 | $ 370,000 | $ 185,000 | $ 135,000 |
| Gallatin County Kentucky | 2 | $ 320,000 | $ 160,000 | $ 82,000 |
| Anne Arundel County Maryland | 2 | $ 540,000 | $ 270,000 | $ 122,000 |
| Cass County Minnesota | 2 | $ 320,000 | $ 160,000 | $ 201,000 |
| Douglas County Minnesota | 2 | $ 740,000 | $ 370,000 | $ 161,000 |
| Kanabec County Minnesota | 2 | $ 280,000 | $ 140,000 | $ 215,000 |
| Henry County Missouri | 2 | $ 190,000 | $ 95,000 | $ 56,000 |
| Burleigh County North Dakota | 2 | $ 240,000 | $ 120,000 | $ 120,000 |
| Delaware County Ohio | 2 | $ 640,000 | $ 320,000 | $ 93,000 |
| Lorain County Ohio | 2 | $ 440,000 | $ 220,000 | $ 141,000 |
| Portage County Ohio | 2 | $ 160,000 | $ 80,000 | $ 108,000 |
| Scioto County Ohio | 2 | $ 300,000 | $ 150,000 | $ 64,000 |
| Bucks County Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 81,000 |
| Arlington County Virginia | 2 | $ 2,060,000 | $ 1,030,000 | $ 524,000 |
| Hanover County Virginia | 2 | $ 350,000 | $ 175,000 | $ 110,000 |
| Washington County Wisconsin | 2 | $ 520,000 | $ 260,000 | $ 0 |
| Clear Creek County Colorado | 1 | $ 325,000 | $ 325,000 | $ 118,000 |
| Custer County Colorado | 1 | $ 455,000 | $ 455,000 | $ 103,000 |
| Eagle County Colorado | 1 | $ 335,000 | $ 335,000 | $ 201,000 |
| Park County Colorado | 1 | $ 385,000 | $ 385,000 | $ 128,000 |
| Teller County Colorado | 1 | $ 395,000 | $ 395,000 | $ 85,000 |
| Alachua County Florida | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Flagler County Florida | 1 | $ 255,000 | $ 255,000 | $ 78,000 |
| Highlands County Florida | 1 | $ 145,000 | $ 145,000 | $ 152,000 |
| Jackson County Florida | 1 | $ 105,000 | $ 105,000 | $ 26,000 |
| Miami-Dade County Florida | 1 | $ 95,000 | $ 95,000 | $ 85,000 |
| Nassau County Florida | 1 | $ 335,000 | $ 335,000 | $ 97,000 |
| Volusia County Florida | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Camden County Georgia | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Carroll County Georgia | 1 | $ 115,000 | $ 115,000 | $ 31,000 |
| Clayton County Georgia | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Coweta County Georgia | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Forsyth County Georgia | 1 | $ 365,000 | $ 365,000 | $ 110,000 |
| Jackson County Georgia | 1 | $ 345,000 | $ 345,000 | $ 74,000 |
| Oconee County Georgia | 1 | $ 235,000 | $ 235,000 | $ 64,000 |
| Walton County Georgia | 1 | $ 335,000 | $ 335,000 | $ 194,000 |
| Cook County Illinois | 1 | $ 485,000 | $ 485,000 | $ 175,000 |
| Grundy County Illinois | 1 | $ 225,000 | $ 225,000 | $ 126,000 |
| Boone County Indiana | 1 | $ 575,000 | $ 575,000 | $ 272,000 |
| Brown County Indiana | 1 | $ 135,000 | $ 135,000 | $ 237,000 |
| Clay County Indiana | 1 | $ 85,000 | $ 85,000 | $ 85,000 |
| Hendricks County Indiana | 1 | $ 195,000 | $ 195,000 | $ 123,000 |
| Huntington County Indiana | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| LaGrange County Indiana | 1 | $ 255,000 | $ 255,000 | $ 118,000 |
| Noble County Indiana | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| St. Joseph County Indiana | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Wayne County Indiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Wells County Indiana | 1 | $ 225,000 | $ 225,000 | $ 89,000 |
| Bracken County Kentucky | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Howard County Maryland | 1 | $ 385,000 | $ 385,000 | $ 90,000 |
| Prince George's County Maryland | 1 | $ 355,000 | $ 355,000 | $ 67,000 |
| Barnstable County Massachusetts | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Dukes County Massachusetts | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Essex County Massachusetts | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Antrim County Michigan | 1 | $ 85,000 | $ 85,000 | $ 148,000 |
| Calhoun County Michigan | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Charlevoix County Michigan | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Cheboygan County Michigan | 1 | $ 265,000 | $ 265,000 | $ 134,000 |
| Grand Traverse County Michigan | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Ingham County Michigan | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Kent County Michigan | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Lake County Michigan | 1 | $ 205,000 | $ 205,000 | $ 299,000 |
| Monroe County Michigan | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Ottawa County Michigan | 1 | $ 275,000 | $ 275,000 | $ 105,000 |
| Roscommon County Michigan | 1 | $ 65,000 | $ 65,000 | $ 206,000 |
| Goodhue County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 80,000 |
| Isanti County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Itasca County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 82,000 |
| Olmsted County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 119,000 |
| Pine County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 141,000 |
| Redwood County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Rice County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Todd County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Buchanan County Missouri | 1 | $ 165,000 | $ 165,000 | $ 62,000 |
| Jefferson County Missouri | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Lincoln County Missouri | 1 | $ 305,000 | $ 305,000 | $ 94,000 |
| St. Louis County Missouri | 1 | $ 85,000 | $ 85,000 | $ 79,000 |
| Passaic County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 40,000 |
| Johnston County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 55,000 |
| Orange County North Carolina | 1 | $ 495,000 | $ 495,000 | $ 211,000 |
| McLean County North Dakota | 1 | $ 85,000 | $ 85,000 | $ 130,000 |
| Morton County North Dakota | 1 | $ 255,000 | $ 255,000 | $ 91,000 |
| Carroll County Ohio | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Clark County Ohio | 1 | $ 225,000 | $ 225,000 | $ 43,000 |
| Geauga County Ohio | 1 | $ 535,000 | $ 535,000 | $ 212,000 |
| Greene County Ohio | 1 | $ 255,000 | $ 255,000 | $ 166,000 |
| Licking County Ohio | 1 | $ 215,000 | $ 215,000 | $ 74,000 |
| Lucas County Ohio | 1 | $ 115,000 | $ 115,000 | $ 36,000 |
| Mahoning County Ohio | 1 | $ 115,000 | $ 115,000 | $ 39,000 |
| Mercer County Ohio | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Trumbull County Ohio | 1 | $ 335,000 | $ 335,000 | $ 91,000 |
| Bexar County Texas | 1 | $ 315,000 | $ 315,000 | $ 106,000 |
| Denton County Texas | 1 | $ 425,000 | $ 425,000 | $ 145,000 |
| Parker County Texas | 1 | $ 385,000 | $ 385,000 | $ 112,000 |
| Williamson County Texas | 1 | $ 675,000 | $ 675,000 | $ 199,000 |
| Alexandria County Virginia | 1 | $ 455,000 | $ 455,000 | $ 157,000 |
| Augusta County Virginia | 1 | $ 155,000 | $ 155,000 | $ 163,000 |
| Hopewell County Virginia | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Warren County Virginia | 1 | $ 385,000 | $ 385,000 | $ 116,000 |
| Columbia County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Dodge County Wisconsin | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Door County Wisconsin | 1 | $ 1,045,000 | $ 1,045,000 | $ 0 |
| Jefferson County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Lincoln County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Oconto County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Racine County Wisconsin | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Vilas County Wisconsin | 1 | $ 215,000 | $ 215,000 | $ 0 |
Mortgage Loan Application Detail Totals for Liberty Savings Bank, F.S.B. in 2018
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 | 1,093 | $304,705,000 | $278,000 | $1,505,000 | $138,000 | $5,650,000 |
| Cash-out Refinancing | 229 | $56,495,000 | $246,000 | $845,000 | $115,000 | $501,000 |
| Not Applicable | 150 | $51,080,000 | $340,000 | $1,155,000 | $52,000 | $86,000 |
| Refinancing | 145 | $39,335,000 | $271,000 | $1,075,000 | $125,000 | $579,000 |
| Home Improvement | 14 | $4,380,000 | $312,000 | $455,000 | $140,000 | $246,000 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,300 | $357,730,000 | $275,000 | $1,505,000 | $135,000 | $5,650,000 |
| Asian | 94 | $26,800,000 | $285,000 | $745,000 | $133,000 | $602,000 |
| Not applicable | 81 | $30,475,000 | $376,000 | $905,000 | $142,000 | $142,000 |
| Not Provided | 69 | $21,035,000 | $304,000 | $925,000 | $157,000 | $613,000 |
| Hispanic | 52 | $12,390,000 | $238,000 | $1,155,000 | $87,000 | $238,000 |
| Black or African American | 30 | $6,710,000 | $223,000 | $495,000 | $106,000 | $281,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $405,000 | $135,000 | $165,000 | $72,000 | $135,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 1,549 | $438,675,000 | $283,000 | $1,505,000 | $136,000 | $5,650,000 |
| FHA-insured (Federal Housing Administration) | 61 | $12,565,000 | $205,000 | $465,000 | $82,000 | $263,000 |
| VA-guaranteed (Veterans Administration) | 12 | $3,480,000 | $290,000 | $455,000 | $92,000 | $170,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $1,275,000 | $141,000 | $215,000 | $50,000 | $73,000 |
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 | 1,217 | $328,695,000 | $270,000 | $1,505,000 | $136,000 | $5,650,000 |
| Application Denied By Financial Institution | 184 | $52,750,000 | $286,000 | $825,000 | $123,000 | $642,000 |
| Loan Purchased By The Institution | 150 | $51,080,000 | $340,000 | $1,155,000 | $52,000 | $86,000 |
| Application Withdrawn By Applicant | 53 | $14,495,000 | $273,000 | $1,075,000 | $130,000 | $613,000 |
| Application Approved But Not Accepted | 14 | $4,600,000 | $328,000 | $675,000 | $149,000 | $539,000 |
| Preapproval Approved but not Accepted | 10 | $3,330,000 | $333,000 | $455,000 | $87,000 | $185,000 |
| Preapproval Denied by Financial Institution | 3 | $1,045,000 | $348,000 | $785,000 | $108,000 | $265,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,444 | $402,200,000 | $278,000 | $1,505,000 | $135,000 | $5,650,000 |
| Unverifiable Information | 59 | $17,435,000 | $295,000 | $655,000 | $141,000 | $642,000 |
| Other | 49 | $16,455,000 | $335,000 | $705,000 | $143,000 | $404,000 |
| Collateral | 37 | $7,795,000 | $210,000 | $555,000 | $102,000 | $359,000 |
| Debt-To-Income Ratio | 16 | $5,870,000 | $366,000 | $825,000 | $103,000 | $332,000 |
| Credit History | 11 | $3,125,000 | $284,000 | $515,000 | $98,000 | $137,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $2,120,000 | $212,000 | $315,000 | $81,000 | $142,000 |
| Employment History | 4 | $580,000 | $145,000 | $175,000 | $39,000 | $72,000 |
| Credit Application Incomplete | 1 | $415,000 | $415,000 | $415,000 | $102,000 | $102,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Savings Bank, F.S.B.'s 2018 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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