Liberty Savings Bank, FSB Mortgage Lending & HMDA Data, 2012
In 2012, Liberty Savings Bank, FSB of Wilmington, OH reported 2,918 mortgage applications totaling $530.5 million, up 12% from 2011. The average application was for $181,790, and applicants reported an average income of $94,339. 67% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Denver-Aurora-Broomfield, CO (481), Cincinnati-Middletown, OH-KY-IN (313) and Minneapolis-St. Paul-Bloomington, MN-WI (303) (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 | 2,918 |
| Total Mortgage Loan Application Amount | $530,464,000 |
| Average Mortgage Loan Application Amount | $181,790 |
| Highest Mortgage Loan Application Amount | $953,000 |
| Average Applicant Income | $94,339 |
| Highest Applicant Income | $1,601,000 |
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records Liberty Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Denver-Aurora-Broomfield, CO | 481 | $ 110,806,000 | $ 230,365 | $ 109,000 |
| Cincinnati-Middletown, OH-KY-IN | 313 | $ 53,302,000 | $ 170,293 | $ 86,290 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 303 | $ 64,164,000 | $ 211,762 | $ 99,000 |
| Tampa-St. Petersburg-Clearwater, FL | 243 | $ 40,287,000 | $ 165,790 | $ 97,000 |
| North Port-Bradenton-Sarasota, FL | 189 | $ 31,997,000 | $ 169,296 | $ 86,000 |
| Columbus, OH | 168 | $ 25,393,000 | $ 151,148 | $ 65,000 |
| Dayton, OH | 107 | $ 16,378,000 | $ 153,065 | $ 94,000 |
| Cleveland-Elyria-Mentor, OH | 78 | $ 12,082,000 | $ 154,897 | $ 74,000 |
| Toledo, OH | 63 | $ 10,811,000 | $ 171,603 | $ 96,000 |
| Boulder, CO | 51 | $ 14,515,000 | $ 284,607 | $ 135,000 |
| Canton-Massillon, OH | 43 | $ 5,395,000 | $ 125,465 | $ 71,000 |
| Warren-Troy-Farmington Hills, MI | 39 | $ 6,065,000 | $ 155,512 | $ 91,000 |
| St. Louis, MO-IL | 34 | $ 4,597,000 | $ 135,205 | $ 94,235 |
| Akron, OH | 31 | $ 4,149,000 | $ 133,838 | $ 53,000 |
| Colorado Springs, CO | 28 | $ 5,288,000 | $ 188,857 | $ 104,000 |
| Fort Wayne, IN | 28 | $ 4,786,000 | $ 170,928 | $ 77,000 |
| Greeley, CO | 20 | $ 3,428,000 | $ 171,400 | $ 74,000 |
| Orlando-Kissimmee-Sanford, FL | 20 | $ 2,895,000 | $ 144,750 | $ 160,000 |
| Cape Coral-Fort Myers, FL | 17 | $ 2,341,000 | $ 137,705 | $ 142,000 |
| Indianapolis-Carmel, IN | 17 | $ 1,858,000 | $ 109,294 | $ 159,000 |
| Jacksonville, FL | 17 | $ 2,892,000 | $ 170,117 | $ 112,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 16 | $ 3,483,000 | $ 217,687 | $ 155,000 |
| Rockford, IL | 15 | $ 1,371,000 | $ 91,400 | $ 72,000 |
| Chicago-Joliet-Naperville, IL | 14 | $ 2,001,000 | $ 142,928 | $ 62,000 |
| Detroit-Livonia-Dearborn, MI | 12 | $ 1,625,000 | $ 135,416 | $ 72,000 |
| Springfield, OH | 12 | $ 1,762,000 | $ 146,833 | $ 83,000 |
| Raleigh-Cary, NC | 11 | $ 2,573,000 | $ 233,909 | $ 100,000 |
| Atlanta-Sandy Springs-Marietta, GA | 10 | $ 1,687,000 | $ 168,700 | $ 101,000 |
| Fort Collins-Loveland, CO | 10 | $ 2,463,000 | $ 246,300 | $ 113,000 |
| Kansas City, MO-KS | 10 | $ 2,081,000 | $ 208,100 | $ 110,000 |
| Mansfield, OH | 10 | $ 1,123,000 | $ 112,300 | $ 44,000 |
| Peoria, IL | 10 | $ 1,067,000 | $ 106,700 | $ 75,000 |
| Punta Gorda, FL | 9 | $ 1,056,000 | $ 117,333 | $ 90,000 |
| Gainesville, FL | 8 | $ 1,206,000 | $ 150,750 | $ 260,000 |
| Lima, OH | 8 | $ 694,000 | $ 86,750 | $ 51,000 |
| St. Cloud, MN | 8 | $ 1,757,000 | $ 219,625 | $ 104,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 757,000 | $ 94,625 | $ 83,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 7 | $ 1,579,000 | $ 225,571 | $ 116,000 |
| Pensacola-Ferry Pass-Brent, FL | 7 | $ 1,405,000 | $ 200,714 | $ 84,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 864,000 | $ 144,000 | $ 156,000 |
| Naples-Marco Island, FL | 6 | $ 1,157,000 | $ 192,833 | $ 135,000 |
| Albuquerque, NM | 5 | $ 676,000 | $ 135,200 | $ 60,000 |
| Mankato-North Mankato, MN | 5 | $ 782,000 | $ 156,400 | $ 67,000 |
| Erie, PA | 4 | $ 423,000 | $ 105,750 | $ 48,000 |
| Grand Junction, CO | 4 | $ 647,000 | $ 161,750 | $ 48,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 1,088,000 | $ 272,000 | $ 39,500 |
| Lakeland-Winter Haven, FL | 4 | $ 434,000 | $ 108,500 | $ 71,000 |
| Memphis, TN-MS-AR | 4 | $ 436,000 | $ 109,000 | $ 142,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 863,000 | $ 215,750 | $ 74,000 |
| Rochester, MN | 4 | $ 641,000 | $ 160,250 | $ 56,000 |
| Tallahassee, FL | 4 | $ 765,000 | $ 191,250 | $ 49,000 |
| Dallas-Plano-Irving, TX | 3 | $ 110,000 | $ 36,666 | $ 38,000 |
| Duluth, MN-WI | 3 | $ 503,000 | $ 167,666 | $ 61,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 558,000 | $ 186,000 | $ 84,000 |
| Gainesville, GA | 3 | $ 581,000 | $ 193,666 | $ 135,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 745,000 | $ 248,333 | $ 134,000 |
| Monroe, MI | 3 | $ 481,000 | $ 160,333 | $ 138,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 941,000 | $ 313,666 | $ 105,000 |
| Palm Coast, FL | 3 | $ 420,000 | $ 140,000 | $ 87,000 |
| Phoenix-Mesa-Glendale, AZ | 3 | $ 405,000 | $ 135,000 | $ 44,000 |
| Port St. Lucie, FL | 3 | $ 549,000 | $ 183,000 | $ 62,000 |
| Pueblo, CO | 3 | $ 658,000 | $ 219,333 | $ 78,000 |
| Reading, PA | 3 | $ 480,000 | $ 160,000 | $ 73,000 |
| Sandusky, OH | 3 | $ 465,000 | $ 155,000 | $ 67,000 |
| Tucson, AZ | 3 | $ 504,000 | $ 168,000 | $ 35,000 |
| Edison-New Brunswick, NJ | 2 | $ 218,000 | $ 109,000 | $ 72,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 333,000 | $ 166,500 | $ 93,000 |
| Jackson, MI | 2 | $ 344,000 | $ 172,000 | $ 94,000 |
| Knoxville, TN | 2 | $ 254,000 | $ 127,000 | $ 213,000 |
| Las Vegas-Paradise, NV | 2 | $ 496,000 | $ 248,000 | $ 34,000 |
| Lexington-Fayette, KY | 2 | $ 275,000 | $ 137,500 | $ 18,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 251,000 | $ 125,500 | $ 47,000 |
| Ocala, FL | 2 | $ 208,000 | $ 104,000 | $ 39,000 |
| Oklahoma City, OK | 2 | $ 302,000 | $ 151,000 | $ 49,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 381,000 | $ 190,500 | $ 82,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 350,000 | $ 175,000 | $ 22,000 |
| Albany, GA | 1 | $ 146,000 | $ 146,000 | $ 117,000 |
| Ann Arbor, MI | 1 | $ 122,000 | $ 122,000 | $ 214,000 |
| Appleton, WI | 1 | $ 283,000 | $ 283,000 | $ 90,000 |
| Cedar Rapids, IA | 1 | $ 227,000 | $ 227,000 | $ 84,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 209,000 | $ 209,000 | $ 118,000 |
| Columbia, SC | 1 | $ 129,000 | $ 129,000 | $ 47,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 250,000 | $ 250,000 | $ 51,000 |
| Evansville, IN-KY | 1 | $ 213,000 | $ 213,000 | $ 42,000 |
| Flagstaff, AZ | 1 | $ 190,000 | $ 190,000 | $ 0 |
| Flint, MI | 1 | $ 31,000 | $ 31,000 | $ 32,000 |
| Grand Forks, ND-MN | 1 | $ 262,000 | $ 262,000 | $ 107,000 |
| Harrisburg-Carlisle, PA | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Longview, WA | 1 | $ 137,000 | $ 137,000 | $ 60,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 350,000 | $ 350,000 | $ 97,000 |
| Newark-Union, NJ-PA | 1 | $ 476,000 | $ 476,000 | $ 109,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 170,000 | $ 170,000 | $ 79,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 151,000 | $ 151,000 | $ 142,000 |
| Philadelphia, PA | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 301,000 | $ 301,000 | $ 203,000 |
| Provo-Orem, UT | 1 | $ 300,000 | $ 300,000 | $ 62,000 |
| Reno-Sparks, NV | 1 | $ 186,000 | $ 186,000 | $ 32,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 250,000 | $ 250,000 | $ 119,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 385,000 | $ 385,000 | $ 77,000 |
| St. Joseph, MO-KS | 1 | $ 368,000 | $ 368,000 | $ 140,000 |
| Steubenville-Weirton, OH-WV | 1 | $ 69,000 | $ 69,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 120,000 | $ 120,000 | $ 81,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 205,000 | $ 205,000 | $ 124,000 |
| Wichita, KS | 1 | $ 125,000 | $ 125,000 | $ 140,000 |
| Wilmington, NC | 1 | $ 230,000 | $ 230,000 | $ 359,000 |
| Yuma, AZ | 1 | $ 189,000 | $ 189,000 | $ 0 |
Mortgage Loan Application Detail Totals for Liberty Savings Bank, FSB in 2012
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 | 2,266 | $423,289,000 | $186,000 | $953,000 | $94,000 | $1,206,000 |
| Home Purchase | 642 | $105,692,000 | $164,000 | $499,000 | $95,000 | $1,601,000 |
| Home Improvement | 10 | $1,483,000 | $148,000 | $417,000 | $129,000 | $422,000 |
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 | 2,282 | $422,559,000 | $185,000 | $499,000 | $104,000 | $1,601,000 |
| Not applicable | 243 | $34,632,000 | $142,000 | $363,000 | $0 | $0 |
| Not Provided | 202 | $38,885,000 | $192,000 | $953,000 | $99,000 | $644,000 |
| Hispanic | 80 | $13,444,000 | $168,000 | $417,000 | $85,000 | $422,000 |
| Asian | 56 | $11,597,000 | $207,000 | $417,000 | $129,000 | $540,000 |
| Black or African American | 44 | $7,345,000 | $166,000 | $326,000 | $73,000 | $175,000 |
| American Indian or Alaskan Native | 9 | $1,491,000 | $165,000 | $296,000 | $80,000 | $189,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $511,000 | $255,000 | $380,000 | $187,000 | $310,000 |
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) | 2,521 | $472,067,000 | $187,000 | $953,000 | $104,000 | $1,601,000 |
| FHA-insured (Federal Housing Administration) | 397 | $58,397,000 | $147,000 | $380,000 | $30,000 | $268,000 |
| 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 | 1,961 | $370,172,000 | $188,000 | $477,000 | $108,000 | $1,601,000 |
| Application Denied By Financial Institution | 513 | $92,785,000 | $180,000 | $953,000 | $88,000 | $1,206,000 |
| Loan Purchased By The Institution | 243 | $34,632,000 | $142,000 | $363,000 | $0 | $0 |
| Application Withdrawn By Applicant | 123 | $20,604,000 | $167,000 | $417,000 | $89,000 | $422,000 |
| File Closed For Incompleteness | 57 | $8,532,000 | $149,000 | $392,000 | $89,000 | $340,000 |
| Application Approved But Not Accepted | 21 | $3,739,000 | $178,000 | $417,000 | $107,000 | $423,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 225 | $40,345,000 | $179,000 | $499,000 | $104,000 | $1,206,000 |
| Collateral | 93 | $17,241,000 | $185,000 | $417,000 | $93,000 | $644,000 |
| Debt-To-Income Ratio | 66 | $11,855,000 | $179,000 | $953,000 | $53,000 | $256,000 |
| Credit History | 43 | $6,220,000 | $144,000 | $417,000 | $60,000 | $220,000 |
| Unverifiable Information | 28 | $4,869,000 | $173,000 | $417,000 | $26,000 | $98,000 |
| Credit Application Incomplete | 23 | $4,480,000 | $194,000 | $417,000 | $103,000 | $441,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $4,719,000 | $248,000 | $417,000 | $152,000 | $725,000 |
| Mortgage Insurance Denied | 11 | $2,339,000 | $212,000 | $417,000 | $71,000 | $151,000 |
| Employment History | 5 | $717,000 | $143,000 | $216,000 | $75,000 | $129,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Savings Bank, FSB's 2012 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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