Liberty Savings Bank, FSB Mortgage Lending & HMDA Data, 2020
In 2020, Liberty Savings Bank, FSB of Wilmington, OH reported 2,271 mortgage applications totaling $787.7 million, up 31% from 2019. The average application was for $346,871, and applicants reported an average income of $136,419. 70% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (468), North Port-Sarasota-Bradenton, FL (299) and Minneapolis-St. Paul-Bloomington, MN-WI (280) (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 | 2,271 |
| Total Mortgage Loan Application Amount | $787,745,000 |
| Average Mortgage Loan Application Amount | $346,871 |
| Highest Mortgage Loan Application Amount | $2,405,000 |
| Average Applicant Income | $136,419 |
| Highest Applicant Income | $1,907,000 |
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records Liberty Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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-Lakewood, CO | 468 | $ 172,200,000 | $ 367,948 | $ 150,000 |
| North Port-Sarasota-Bradenton, FL | 299 | $ 65,775,000 | $ 219,983 | $ 98,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 280 | $ 83,070,000 | $ 296,678 | $ 137,000 |
| Outside any metro area | 187 | $ 57,125,000 | $ 305,481 | $ 171,560 |
| Cincinnati, OH-KY-IN | 145 | $ 37,995,000 | $ 262,034 | $ 121,041 |
| Jacksonville, FL | 72 | $ 19,050,000 | $ 264,583 | $ 145,000 |
| Fort Wayne, IN | 61 | $ 12,185,000 | $ 199,754 | $ 95,000 |
| Tampa-St. Petersburg-Clearwater, FL | 60 | $ 17,420,000 | $ 290,333 | $ 110,000 |
| Los Angeles-Long Beach-Glendale, CA | 43 | $ 24,425,000 | $ 568,023 | $ 0 |
| Dallas-Plano-Irving, TX | 42 | $ 28,170,000 | $ 670,714 | $ 0 |
| Boulder, CO | 32 | $ 12,780,000 | $ 399,375 | $ 146,000 |
| Naples-Immokalee-Marco Island, FL | 32 | $ 11,600,000 | $ 362,500 | $ 258,000 |
| Anaheim-Santa Ana-Irvine, CA | 28 | $ 18,920,000 | $ 675,714 | $ 0 |
| Colorado Springs, CO | 27 | $ 9,035,000 | $ 334,629 | $ 129,000 |
| Fort Collins, CO | 21 | $ 6,995,000 | $ 333,095 | $ 146,000 |
| Fort Worth-Arlington, TX | 20 | $ 9,660,000 | $ 483,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 18 | $ 13,100,000 | $ 727,777 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 17 | $ 6,335,000 | $ 372,647 | $ 0 |
| Cape Coral-Fort Myers, FL | 16 | $ 5,350,000 | $ 334,375 | $ 153,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 16 | $ 5,570,000 | $ 348,125 | $ 276,000 |
| Greeley, CO | 15 | $ 5,055,000 | $ 337,000 | $ 128,000 |
| Oklahoma City, OK | 15 | $ 9,475,000 | $ 631,666 | $ 0 |
| Boston, MA | 13 | $ 5,395,000 | $ 415,000 | $ 174,000 |
| Indianapolis-Carmel-Anderson, IN | 13 | $ 2,895,000 | $ 222,692 | $ 130,000 |
| Punta Gorda, FL | 12 | $ 3,050,000 | $ 254,166 | $ 147,000 |
| Warren-Troy-Farmington Hills, MI | 12 | $ 2,730,000 | $ 227,500 | $ 68,000 |
| Austin-Round Rock, TX | 11 | $ 7,955,000 | $ 723,181 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 11 | $ 7,005,000 | $ 636,818 | $ 0 |
| Port St. Lucie, FL | 11 | $ 1,855,000 | $ 168,636 | $ 64,000 |
| Cleveland-Elyria, OH | 10 | $ 1,930,000 | $ 193,000 | $ 112,000 |
| Columbus, OH | 10 | $ 1,970,000 | $ 197,000 | $ 83,000 |
| Dayton-Springfield-Kettering, OH | 9 | $ 2,415,000 | $ 268,333 | $ 109,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 9 | $ 4,375,000 | $ 486,111 | $ 85,000 |
| Chicago-Naperville, IL | 8 | $ 5,100,000 | $ 637,500 | $ 602,000 |
| San Francisco-Redwood City-South San Francisco, CA | 8 | $ 6,290,000 | $ 786,250 | $ 0 |
| St. Cloud, MN | 8 | $ 1,900,000 | $ 237,500 | $ 136,000 |
| Atlanta-Sandy Springs-Roswell, GA | 7 | $ 3,425,000 | $ 489,285 | $ 79,000 |
| New York-Jersey City-White Plains, NY-NJ | 7 | $ 5,555,000 | $ 793,571 | $ 0 |
| Raleigh, NC | 7 | $ 1,875,000 | $ 267,857 | $ 164,000 |
| San Diego-Carlsbad, CA | 7 | $ 5,065,000 | $ 723,571 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 7 | $ 5,215,000 | $ 745,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 7 | $ 5,165,000 | $ 737,857 | $ 0 |
| Bismarck, ND | 6 | $ 1,530,000 | $ 255,000 | $ 95,000 |
| Homosassa Springs, FL | 6 | $ 1,120,000 | $ 186,666 | $ 85,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 3,900,000 | $ 650,000 | $ 0 |
| San Antonio-New Braunfels, TX | 6 | $ 3,540,000 | $ 590,000 | $ 0 |
| Tulsa, OK | 6 | $ 4,240,000 | $ 706,666 | $ 0 |
| Cambridge-Newton-Framingham, MA | 5 | $ 1,475,000 | $ 295,000 | $ 189,000 |
| Grand Junction, CO | 5 | $ 1,355,000 | $ 271,000 | $ 87,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,165,000 | $ 233,000 | $ 103,000 |
| Santa Rosa, CA | 5 | $ 1,705,000 | $ 341,000 | $ 0 |
| Sherman-Denison, TX | 4 | $ 2,330,000 | $ 582,500 | $ 0 |
| Baltimore-Columbia-Towson, MD | 3 | $ 2,195,000 | $ 731,666 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 755,000 | $ 251,666 | $ 95,000 |
| Grand Forks, ND-MN | 3 | $ 845,000 | $ 281,666 | $ 223,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 1,545,000 | $ 515,000 | $ 0 |
| Salinas, CA | 3 | $ 2,435,000 | $ 811,666 | $ 0 |
| San Rafael, CA | 3 | $ 2,215,000 | $ 738,333 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 3,355,000 | $ 1,118,333 | $ 0 |
| Canton-Massillon, OH | 2 | $ 220,000 | $ 110,000 | $ 82,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,130,000 | $ 565,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 2 | $ 1,290,000 | $ 645,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 830,000 | $ 415,000 | $ 412,000 |
| Duluth, MN-WI | 2 | $ 700,000 | $ 350,000 | $ 248,000 |
| Durham-Chapel Hill, NC | 2 | $ 950,000 | $ 475,000 | $ 40,000 |
| Elgin, IL | 2 | $ 800,000 | $ 400,000 | $ 139,000 |
| Napa, CA | 2 | $ 760,000 | $ 380,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 1,360,000 | $ 680,000 | $ 0 |
| Nassau County-Suffolk County, NY | 2 | $ 1,780,000 | $ 890,000 | $ 0 |
| Ocala, FL | 2 | $ 470,000 | $ 235,000 | $ 111,000 |
| Providence-Warwick, RI-MA | 2 | $ 500,000 | $ 250,000 | $ 114,000 |
| Pueblo, CO | 2 | $ 510,000 | $ 255,000 | $ 78,000 |
| Salt Lake City, UT | 2 | $ 1,610,000 | $ 805,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 2 | $ 730,000 | $ 365,000 | $ 0 |
| Springfield, OH | 2 | $ 380,000 | $ 190,000 | $ 63,000 |
| Vallejo-Fairfield, CA | 2 | $ 1,200,000 | $ 600,000 | $ 0 |
| Akron, OH | 1 | $ 235,000 | $ 235,000 | $ 172,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Bakersfield, CA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 385,000 | $ 385,000 | $ 277,000 |
| Birmingham-Hoover, AL | 1 | $ 95,000 | $ 95,000 | $ 149,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 855,000 | $ 855,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 275,000 | $ 275,000 | $ 241,000 |
| Charlottesville, VA | 1 | $ 175,000 | $ 175,000 | $ 69,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 265,000 | $ 265,000 | $ 253,000 |
| Elkhart-Goshen, IN | 1 | $ 175,000 | $ 175,000 | $ 85,000 |
| Enid, OK | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Kalamazoo-Portage, MI | 1 | $ 275,000 | $ 275,000 | $ 63,000 |
| Kennewick-Richland, WA | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Knoxville, TN | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 1,415,000 | $ 1,415,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 285,000 | $ 285,000 | $ 60,000 |
| Madison, WI | 1 | $ 245,000 | $ 245,000 | $ 140,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Missoula, MT | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Montgomery, AL | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 1 | $ 265,000 | $ 265,000 | $ 51,000 |
| New York-Newark, NY | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 835,000 | $ 835,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 95,000 | $ 95,000 | $ 151,000 |
| Panama City, FL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Portland-South Portland, ME | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| Richmond, VA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Spokane-Spokane Valley, WA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 505,000 | $ 505,000 | $ 0 |
| The Villages, FL | 1 | $ 125,000 | $ 125,000 | $ 23,000 |
| Trenton, NJ | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 1 | $ 245,000 | $ 245,000 | $ 96,000 |
| Worcester, MA-CT | 1 | $ 445,000 | $ 445,000 | $ 180,000 |
Mortgage Loan Application Detail Totals for Liberty Savings Bank, FSB in 2020
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 | 930 | $272,470,000 | $292,000 | $2,405,000 | $139,000 | $1,800,000 |
| Home Purchase | 472 | $138,330,000 | $293,000 | $1,355,000 | $141,000 | $1,907,000 |
| Cash-out Refinancing | 416 | $117,350,000 | $282,000 | $995,000 | $128,000 | $841,000 |
| Not Applicable | 374 | $237,910,000 | $636,000 | $1,905,000 | $0 | $0 |
| Home Improvement | 79 | $21,685,000 | $274,000 | $515,000 | $123,000 | $624,000 |
| 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 | 1,660 | $478,720,000 | $288,000 | $2,405,000 | $137,000 | $1,907,000 |
| Not applicable | 374 | $237,910,000 | $636,000 | $1,905,000 | $0 | $0 |
| Asian | 115 | $40,295,000 | $350,000 | $515,000 | $148,000 | $670,000 |
| Not Provided | 65 | $16,925,000 | $260,000 | $515,000 | $141,000 | $1,288,000 |
| Hispanic | 36 | $9,010,000 | $250,000 | $515,000 | $108,000 | $428,000 |
| Black or African American | 16 | $4,070,000 | $254,000 | $515,000 | $112,000 | $351,000 |
| American Indian or Alaskan Native | 4 | $720,000 | $180,000 | $255,000 | $66,000 | $88,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $95,000 | $95,000 | $95,000 | $55,000 | $55,000 |
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) | 2,249 | $783,485,000 | $348,000 | $2,405,000 | $137,000 | $1,907,000 |
| FHA-insured (Federal Housing Administration) | 19 | $3,785,000 | $199,000 | $415,000 | $86,000 | $166,000 |
| VA-guaranteed (Veterans Administration) | 2 | $350,000 | $175,000 | $225,000 | $43,000 | $60,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $23,000 | $23,000 |
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 | 1,585 | $467,445,000 | $294,000 | $2,405,000 | $136,000 | $1,096,000 |
| Loan Purchased By The Institution | 377 | $238,595,000 | $632,000 | $1,905,000 | $46,000 | $66,000 |
| Application Denied By Financial Institution | 156 | $41,620,000 | $266,000 | $1,315,000 | $136,000 | $1,800,000 |
| Application Withdrawn By Applicant | 126 | $33,270,000 | $264,000 | $545,000 | $151,000 | $1,907,000 |
| Preapproval Approved but not Accepted | 9 | $2,225,000 | $247,000 | $405,000 | $91,000 | $167,000 |
| Preapproval Denied by Financial Institution | 7 | $1,855,000 | $265,000 | $405,000 | $120,000 | $205,000 |
| Application Approved But Not Accepted | 6 | $1,760,000 | $293,000 | $475,000 | $130,000 | $284,000 |
| File Closed For Incompleteness | 5 | $975,000 | $195,000 | $245,000 | $83,000 | $114,000 |
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 | 2,108 | $744,270,000 | $353,000 | $2,405,000 | $137,000 | $1,907,000 |
| Other | 82 | $23,350,000 | $284,000 | $1,315,000 | $153,000 | $895,000 |
| Collateral | 35 | $8,785,000 | $251,000 | $505,000 | $160,000 | $1,800,000 |
| Unverifiable Information | 15 | $4,045,000 | $269,000 | $885,000 | $99,000 | $290,000 |
| Credit History | 12 | $2,610,000 | $217,000 | $305,000 | $69,000 | $151,000 |
| Debt-To-Income Ratio | 12 | $2,360,000 | $196,000 | $415,000 | $74,000 | $222,000 |
| Credit Application Incomplete | 5 | $1,505,000 | $301,000 | $605,000 | $95,000 | $149,000 |
| Employment History | 2 | $820,000 | $410,000 | $555,000 | $112,000 | $180,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Savings Bank, FSB's 2020 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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