Liberty Savings Bank, FSB Mortgage Lending & HMDA Data, 2021
In 2021, Liberty Savings Bank, FSB of Wilmington, OH reported 2,454 mortgage applications totaling $744.4 million, up 8% from 2020. The average application was for $303,337, and applicants reported an average income of $126,216. 44% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (213), Denver-Aurora-Lakewood, CO (210) and North Port-Sarasota-Bradenton, FL (169) (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 | 2,454 |
| Total Mortgage Loan Application Amount | $744,390,000 |
| Average Mortgage Loan Application Amount | $303,337 |
| Highest Mortgage Loan Application Amount | $2,415,000 |
| Average Applicant Income | $126,216 |
| Highest Applicant Income | $2,181,000 |
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records Liberty Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 213 | $ 65,855,000 | $ 309,178 | $ 148,000 |
| Denver-Aurora-Lakewood, CO | 210 | $ 83,690,000 | $ 398,523 | $ 155,000 |
| North Port-Sarasota-Bradenton, FL | 169 | $ 38,435,000 | $ 227,426 | $ 101,000 |
| Outside any metro area | 150 | $ 44,010,000 | $ 293,400 | $ 143,296 |
| Cincinnati, OH-KY-IN | 111 | $ 30,215,000 | $ 272,207 | $ 111,261 |
| Providence-Warwick, RI-MA | 99 | $ 25,145,000 | $ 253,989 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 96 | $ 24,320,000 | $ 253,333 | $ 102,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 54 | $ 22,190,000 | $ 410,925 | $ 162,296 |
| Atlanta-Sandy Springs-Roswell, GA | 48 | $ 14,080,000 | $ 293,333 | $ 114,000 |
| Jacksonville, FL | 48 | $ 13,520,000 | $ 281,666 | $ 153,000 |
| Orlando-Kissimmee-Sanford, FL | 45 | $ 11,455,000 | $ 254,555 | $ 99,000 |
| Chicago-Naperville, IL | 41 | $ 9,845,000 | $ 240,121 | $ 148,000 |
| Fort Wayne, IN | 41 | $ 6,815,000 | $ 166,219 | $ 71,000 |
| Warren-Troy-Farmington Hills, MI | 40 | $ 7,110,000 | $ 177,750 | $ 201,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 34 | $ 11,670,000 | $ 343,235 | $ 96,000 |
| Dayton-Springfield-Kettering, OH | 32 | $ 8,450,000 | $ 264,062 | $ 126,000 |
| Los Angeles-Long Beach-Glendale, CA | 30 | $ 16,940,000 | $ 564,666 | $ 0 |
| Baltimore-Columbia-Towson, MD | 29 | $ 6,505,000 | $ 224,310 | $ 161,000 |
| Columbus, OH | 27 | $ 7,585,000 | $ 280,925 | $ 111,000 |
| Cape Coral-Fort Myers, FL | 26 | $ 8,000,000 | $ 307,692 | $ 127,000 |
| Charlotte-Concord-Gastonia, NC-SC | 25 | $ 6,075,000 | $ 243,000 | $ 104,680 |
| Port St. Lucie, FL | 25 | $ 5,745,000 | $ 229,800 | $ 74,000 |
| Boston, MA | 21 | $ 8,795,000 | $ 418,809 | $ 130,000 |
| Miami-Miami Beach-Kendall, FL | 21 | $ 5,605,000 | $ 266,904 | $ 124,000 |
| Phoenix-Mesa-Scottsdale, AZ | 21 | $ 7,795,000 | $ 371,190 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 20 | $ 12,550,000 | $ 627,500 | $ 0 |
| Washington-Baltimore-Arlington, DC | 19 | $ 6,965,000 | $ 366,578 | $ 70,000 |
| Houston-The Woodlands-Sugar Land, TX | 18 | $ 4,280,000 | $ 237,777 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 3,195,000 | $ 187,941 | $ 0 |
| Boulder, CO | 15 | $ 5,655,000 | $ 377,000 | $ 149,000 |
| Cleveland-Elyria, OH | 15 | $ 3,065,000 | $ 204,333 | $ 84,000 |
| Indianapolis-Carmel-Anderson, IN | 15 | $ 2,155,000 | $ 143,666 | $ 123,000 |
| Naples-Immokalee-Marco Island, FL | 15 | $ 4,975,000 | $ 331,666 | $ 182,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 14 | $ 6,730,000 | $ 480,714 | $ 0 |
| San Diego-Carlsbad, CA | 14 | $ 7,620,000 | $ 544,285 | $ 0 |
| Austin-Round Rock, TX | 13 | $ 4,125,000 | $ 317,307 | $ 0 |
| Punta Gorda, FL | 13 | $ 2,575,000 | $ 198,076 | $ 82,000 |
| San Francisco-Redwood City-South San Francisco, CA | 13 | $ 8,415,000 | $ 647,307 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 12 | $ 2,520,000 | $ 210,000 | $ 56,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 12 | $ 4,540,000 | $ 378,333 | $ 66,000 |
| Salisbury, MD-DE | 12 | $ 3,080,000 | $ 256,666 | $ 0 |
| Cambridge-Newton-Framingham, MA | 11 | $ 5,405,000 | $ 491,363 | $ 0 |
| Dallas-Plano-Irving, TX | 11 | $ 3,845,000 | $ 349,545 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 11 | $ 1,565,000 | $ 142,272 | $ 37,000 |
| Las Vegas-Henderson-Paradise, NV | 11 | $ 4,095,000 | $ 372,272 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 11 | $ 4,125,000 | $ 375,000 | $ 95,454 |
| Philadelphia, PA | 11 | $ 3,055,000 | $ 277,727 | $ 182,000 |
| Raleigh, NC | 11 | $ 3,075,000 | $ 279,545 | $ 120,000 |
| Seattle-Bellevue-Everett, WA | 11 | $ 7,605,000 | $ 691,363 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 10 | $ 1,120,000 | $ 112,000 | $ 94,000 |
| Fort Collins, CO | 10 | $ 2,670,000 | $ 267,000 | $ 181,000 |
| Greeley, CO | 10 | $ 3,250,000 | $ 325,000 | $ 114,000 |
| New York-Jersey City-White Plains, NY-NJ | 10 | $ 3,260,000 | $ 326,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 10 | $ 4,800,000 | $ 480,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 10 | $ 3,670,000 | $ 367,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 9 | $ 5,625,000 | $ 625,000 | $ 0 |
| St. Cloud, MN | 9 | $ 2,385,000 | $ 265,000 | $ 99,000 |
| Barnstable Town, MA | 8 | $ 3,870,000 | $ 483,750 | $ 104,000 |
| Colorado Springs, CO | 8 | $ 2,050,000 | $ 256,250 | $ 92,000 |
| Montgomery County-Bucks County-Chester County, PA | 8 | $ 1,450,000 | $ 181,250 | $ 81,000 |
| New York-Newark, NY | 8 | $ 2,240,000 | $ 280,000 | $ 0 |
| Ocala, FL | 8 | $ 2,170,000 | $ 271,250 | $ 107,000 |
| Richmond, VA | 8 | $ 2,020,000 | $ 252,500 | $ 187,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 8 | $ 4,200,000 | $ 525,000 | $ 0 |
| St. Louis, MO-IL | 8 | $ 1,690,000 | $ 211,250 | $ 0 |
| Wilmington, NC | 8 | $ 2,810,000 | $ 351,250 | $ 149,000 |
| Akron, OH | 7 | $ 1,465,000 | $ 209,285 | $ 75,000 |
| Greenville-Anderson-Mauldin, SC | 7 | $ 905,000 | $ 129,285 | $ 87,000 |
| Lake County-Kenosha County, IL-WI | 7 | $ 3,065,000 | $ 437,857 | $ 79,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 7 | $ 3,535,000 | $ 505,000 | $ 71,000 |
| Salt Lake City, UT | 7 | $ 1,575,000 | $ 225,000 | $ 128,000 |
| San Antonio-New Braunfels, TX | 7 | $ 2,555,000 | $ 365,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 7 | $ 4,695,000 | $ 670,714 | $ 0 |
| Ann Arbor, MI | 6 | $ 630,000 | $ 105,000 | $ 76,000 |
| Charleston-North Charleston, SC | 6 | $ 2,670,000 | $ 445,000 | $ 240,000 |
| Greensboro-High Point, NC | 6 | $ 850,000 | $ 141,666 | $ 127,000 |
| Newark, NJ-PA | 6 | $ 1,700,000 | $ 283,333 | $ 135,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 3,240,000 | $ 540,000 | $ 0 |
| Albuquerque, NM | 5 | $ 1,435,000 | $ 287,000 | $ 0 |
| Camden, NJ | 5 | $ 815,000 | $ 163,000 | $ 0 |
| Lakeland-Winter Haven, FL | 5 | $ 895,000 | $ 179,000 | $ 61,000 |
| Louisville/Jefferson County, KY-IN | 5 | $ 755,000 | $ 151,000 | $ 89,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 835,000 | $ 167,000 | $ 46,000 |
| Birmingham-Hoover, AL | 4 | $ 1,260,000 | $ 315,000 | $ 180,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 1,390,000 | $ 347,500 | $ 108,000 |
| Kansas City, MO-KS | 4 | $ 740,000 | $ 185,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 1,610,000 | $ 402,500 | $ 96,000 |
| Pittsburgh, PA | 4 | $ 1,160,000 | $ 290,000 | $ 196,000 |
| Reno, NV | 4 | $ 1,580,000 | $ 395,000 | $ 0 |
| Tallahassee, FL | 4 | $ 820,000 | $ 205,000 | $ 82,000 |
| The Villages, FL | 4 | $ 1,090,000 | $ 272,500 | $ 273,000 |
| Toledo, OH | 4 | $ 840,000 | $ 210,000 | $ 66,000 |
| Asheville, NC | 3 | $ 965,000 | $ 321,666 | $ 107,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 1,405,000 | $ 468,333 | $ 0 |
| California-Lexington Park, MD | 3 | $ 575,000 | $ 191,666 | $ 0 |
| Des Moines-West Des Moines, IA | 3 | $ 505,000 | $ 168,333 | $ 51,000 |
| Duluth, MN-WI | 3 | $ 925,000 | $ 308,333 | $ 176,000 |
| Durham-Chapel Hill, NC | 3 | $ 1,505,000 | $ 501,666 | $ 162,000 |
| Elkhart-Goshen, IN | 3 | $ 605,000 | $ 201,666 | $ 135,000 |
| Fresno, CA | 3 | $ 845,000 | $ 281,666 | $ 0 |
| Gary, IN | 3 | $ 485,000 | $ 161,666 | $ 74,000 |
| Memphis, TN-MS-AR | 3 | $ 1,165,000 | $ 388,333 | $ 465,000 |
| Monroe, MI | 3 | $ 405,000 | $ 135,000 | $ 155,000 |
| New Orleans-Metairie, LA | 3 | $ 1,955,000 | $ 651,666 | $ 0 |
| Niles-Benton Harbor, MI | 3 | $ 385,000 | $ 128,333 | $ 52,000 |
| Provo-Orem, UT | 3 | $ 625,000 | $ 208,333 | $ 0 |
| Roanoke, VA | 3 | $ 1,035,000 | $ 345,000 | $ 0 |
| Sebring, FL | 3 | $ 595,000 | $ 198,333 | $ 127,000 |
| Stockton-Lodi, CA | 3 | $ 1,255,000 | $ 418,333 | $ 0 |
| Tulsa, OK | 3 | $ 325,000 | $ 108,333 | $ 0 |
| Winston-Salem, NC | 3 | $ 1,375,000 | $ 458,333 | $ 55,000 |
| Bloomington, IN | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 350,000 | $ 175,000 | $ 71,000 |
| Elgin, IL | 2 | $ 450,000 | $ 225,000 | $ 0 |
| Enid, OK | 2 | $ 710,000 | $ 355,000 | $ 0 |
| Evansville, IN-KY | 2 | $ 780,000 | $ 390,000 | $ 261,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 480,000 | $ 240,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 290,000 | $ 145,000 | $ 37,000 |
| Huntsville, AL | 2 | $ 430,000 | $ 215,000 | $ 2,181,000 |
| Lima, OH | 2 | $ 440,000 | $ 220,000 | $ 93,000 |
| New Haven-Milford, CT | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Norwich-New London, CT | 2 | $ 820,000 | $ 410,000 | $ 0 |
| Ogden-Clearfield, UT | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Olympia-Tumwater, WA | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Panama City, FL | 2 | $ 340,000 | $ 170,000 | $ 81,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 500,000 | $ 250,000 | $ 95,000 |
| San Rafael, CA | 2 | $ 1,230,000 | $ 615,000 | $ 0 |
| Santa Fe, NM | 2 | $ 580,000 | $ 290,000 | $ 0 |
| Sebastian-Vero Beach, FL | 2 | $ 470,000 | $ 235,000 | $ 77,000 |
| Shreveport-Bossier City, LA | 2 | $ 210,000 | $ 105,000 | $ 48,000 |
| Spartanburg, SC | 2 | $ 350,000 | $ 175,000 | $ 81,000 |
| Tucson, AZ | 2 | $ 370,000 | $ 185,000 | $ 0 |
| Worcester, MA-CT | 2 | $ 1,280,000 | $ 640,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 260,000 | $ 130,000 | $ 63,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Amarillo, TX | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Ames, IA | 1 | $ 215,000 | $ 215,000 | $ 121,000 |
| Athens-Clarke County, GA | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Augusta-Richmond County, GA-SC | 1 | $ 185,000 | $ 185,000 | $ 117,000 |
| Battle Creek, MI | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Bend-Redmond, OR | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Bremerton-Silverdale, WA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Brunswick, GA | 1 | $ 415,000 | $ 415,000 | $ 136,000 |
| Burlington, NC | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Canton-Massillon, OH | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Charlottesville, VA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Chattanooga, TN-GA | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Coeur D'Alene, ID | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Columbia, SC | 1 | $ 455,000 | $ 455,000 | $ 206,000 |
| Corpus Christi, TX | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Dalton, GA | 1 | $ 175,000 | $ 175,000 | $ 174,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 1,115,000 | $ 1,115,000 | $ 0 |
| Decatur, IL | 1 | $ 155,000 | $ 155,000 | $ 70,000 |
| El Paso, TX | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Eugene, OR | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Fayetteville, NC | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Flint, MI | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Gainesville, FL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Gainesville, GA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 175,000 | $ 175,000 | $ 59,000 |
| Grand Junction, CO | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Grand Rapids-Wyoming, MI | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Green Bay, WI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Harrisburg-Carlisle, PA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 85,000 | $ 85,000 | $ 26,000 |
| Iowa City, IA | 1 | $ 215,000 | $ 215,000 | $ 57,000 |
| Jackson, MI | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Jackson, MS | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jacksonville, NC | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 1,455,000 | $ 1,455,000 | $ 0 |
| Lake Charles, LA | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Lebanon, PA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Mankato-North Mankato, MN | 1 | $ 235,000 | $ 235,000 | $ 70,000 |
| Mansfield, OH | 1 | $ 25,000 | $ 25,000 | $ 114,000 |
| Medford, OR | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Merced, CA | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Missoula, MT | 1 | $ 335,000 | $ 335,000 | $ 118,000 |
| Montgomery, AL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Morgantown, WV | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Napa, CA | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Nassau County-Suffolk County, NY | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Pueblo, CO | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Redding, CA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Rochester, NY | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Rockford, IL | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Rockingham County-Strafford County, NH | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Salem, OR | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Salinas, CA | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,175,000 | $ 1,175,000 | $ 0 |
| Spokane-Spokane Valley, WA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Springfield, MA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| State College, PA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Urban Honolulu, HI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Weirton-Steubenville, WV-OH | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Wenatchee, WA | 1 | $ 515,000 | $ 515,000 | $ 0 |
| Wheeling, WV-OH | 1 | $ 135,000 | $ 135,000 | $ 100,000 |
| Yuba City, CA | 1 | $ 315,000 | $ 315,000 | $ 0 |
Mortgage Loan Application Detail Totals for Liberty Savings Bank, FSB in 2021
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 |
|---|---|---|---|---|---|---|
| Not Applicable | 1,044 | $353,830,000 | $338,000 | $2,415,000 | $0 | $0 |
| Refinancing | 695 | $184,915,000 | $266,000 | $855,000 | $126,000 | $1,897,000 |
| Cash-out Refinancing | 364 | $99,420,000 | $273,000 | $715,000 | $127,000 | $2,181,000 |
| Home Purchase | 274 | $87,020,000 | $317,000 | $1,985,000 | $130,000 | $1,305,000 |
| Home Improvement | 77 | $19,205,000 | $249,000 | $545,000 | $111,000 | $308,000 |
| 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 | 1,109 | $311,025,000 | $280,000 | $1,985,000 | $126,000 | $1,897,000 |
| Not applicable | 1,045 | $354,085,000 | $338,000 | $2,415,000 | $0 | $0 |
| Not Provided | 121 | $29,545,000 | $244,000 | $705,000 | $117,000 | $729,000 |
| Asian | 79 | $24,135,000 | $305,000 | $655,000 | $168,000 | $2,181,000 |
| Hispanic | 66 | $17,910,000 | $271,000 | $585,000 | $105,000 | $385,000 |
| Black or African American | 30 | $6,770,000 | $225,000 | $645,000 | $103,000 | $460,000 |
| American Indian or Alaskan Native | 3 | $585,000 | $195,000 | $215,000 | $70,000 | $91,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $335,000 | $335,000 | $335,000 | $81,000 | $81,000 |
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) | 2,449 | $743,785,000 | $303,000 | $2,415,000 | $126,000 | $2,181,000 |
| FHA-insured (Federal Housing Administration) | 5 | $605,000 | $121,000 | $145,000 | $28,000 | $28,000 |
| 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 | 1,079 | $300,575,000 | $278,000 | $855,000 | $127,000 | $1,897,000 |
| Loan Purchased By The Institution | 1,045 | $354,085,000 | $338,000 | $2,415,000 | $0 | $0 |
| Application Denied By Financial Institution | 155 | $45,775,000 | $295,000 | $1,985,000 | $115,000 | $1,305,000 |
| Application Withdrawn By Applicant | 118 | $28,920,000 | $245,000 | $905,000 | $144,000 | $2,181,000 |
| File Closed For Incompleteness | 45 | $11,745,000 | $261,000 | $705,000 | $118,000 | $468,000 |
| Application Approved But Not Accepted | 6 | $1,430,000 | $238,000 | $405,000 | $89,000 | $200,000 |
| Preapproval Approved but not Accepted | 3 | $785,000 | $261,000 | $285,000 | $67,000 | $93,000 |
| Preapproval Denied by Financial Institution | 3 | $1,075,000 | $358,000 | $815,000 | $53,000 | $93,000 |
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 | 2,296 | $697,540,000 | $303,000 | $2,415,000 | $128,000 | $2,181,000 |
| Other | 78 | $25,440,000 | $326,000 | $1,985,000 | $136,000 | $1,305,000 |
| Debt-To-Income Ratio | 39 | $9,355,000 | $239,000 | $705,000 | $67,000 | $282,000 |
| Collateral | 14 | $4,560,000 | $325,000 | $675,000 | $131,000 | $281,000 |
| Credit History | 12 | $3,210,000 | $267,000 | $655,000 | $103,000 | $225,000 |
| Unverifiable Information | 8 | $2,820,000 | $352,000 | $605,000 | $120,000 | $296,000 |
| Credit Application Incomplete | 5 | $1,225,000 | $245,000 | $305,000 | $96,000 | $209,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $240,000 | $120,000 | $205,000 | $21,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Savings Bank, FSB's 2021 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.
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For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.
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