Liberty Savings Bank, FSB Mortgage Lending & HMDA Data, 2024
In 2024, Liberty Savings Bank, FSB of Wilmington, OH reported 473 mortgage applications totaling $126.4 million, up 86% from 2023. The average application was for $267,304, and applicants reported an average income of $158,696. 41% of its applications resulted in an originated loan and 15% were denied. Its largest markets were North Port-Sarasota-Bradenton, FL (96), Chicago-Naperville, IL (23) and Dallas-Plano-Irving, TX (12) (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 | 473 |
| Total Mortgage Loan Application Amount | $126,435,000 |
| Average Mortgage Loan Application Amount | $267,304 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $158,696 |
| Highest Applicant Income | $1,446,000 |
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records Liberty Savings Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| North Port-Sarasota-Bradenton, FL | 96 | $ 19,750,000 | $ 205,729 | $ 150,000 |
| Outside any metro area | 74 | $ 25,490,000 | $ 344,459 | $ 191,246 |
| Chicago-Naperville, IL | 23 | $ 4,105,000 | $ 178,478 | $ 52,000 |
| Dallas-Plano-Irving, TX | 12 | $ 3,830,000 | $ 319,166 | $ 66,000 |
| Denver-Aurora-Lakewood, CO | 12 | $ 4,540,000 | $ 378,333 | $ 251,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 10 | $ 3,320,000 | $ 332,000 | $ 50,000 |
| Los Angeles-Long Beach-Glendale, CA | 8 | $ 2,710,000 | $ 338,750 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 8 | $ 1,990,000 | $ 248,750 | $ 123,000 |
| Houston-The Woodlands-Sugar Land, TX | 7 | $ 1,435,000 | $ 205,000 | $ 14,000 |
| Lakewood-New Brunswick, NJ | 6 | $ 1,550,000 | $ 258,333 | $ 0 |
| Nassau County-Suffolk County, NY | 6 | $ 2,650,000 | $ 441,666 | $ 26,000 |
| Port St. Lucie, FL | 6 | $ 1,650,000 | $ 275,000 | $ 60,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 6 | $ 1,310,000 | $ 218,333 | $ 67,000 |
| Springfield, MO | 6 | $ 1,330,000 | $ 221,666 | $ 0 |
| Tampa, FL | 6 | $ 1,100,000 | $ 183,333 | $ 67,000 |
| Arlington-Alexandria-Reston, VA-WV | 5 | $ 1,245,000 | $ 249,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 5 | $ 1,215,000 | $ 243,000 | $ 56,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 1,975,000 | $ 395,000 | $ 26,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,365,000 | $ 273,000 | $ 0 |
| Washington-Baltimore-Arlington, DC | 5 | $ 605,000 | $ 121,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 1,065,000 | $ 213,000 | $ 194,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 680,000 | $ 170,000 | $ 0 |
| Elgin, IL | 4 | $ 1,140,000 | $ 285,000 | $ 0 |
| Jacksonville, FL | 4 | $ 1,810,000 | $ 452,500 | $ 320,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 1,400,000 | $ 350,000 | $ 83,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 2,350,000 | $ 587,500 | $ 0 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,005,000 | $ 335,000 | $ 189,000 |
| Charleston-North Charleston, SC | 3 | $ 1,125,000 | $ 375,000 | $ 0 |
| Cleveland, OH | 3 | $ 185,000 | $ 61,666 | $ 69,000 |
| Corvallis, OR | 3 | $ 785,000 | $ 261,666 | $ 0 |
| Eugene, OR | 3 | $ 225,000 | $ 75,000 | $ 20,000 |
| Fort Collins, CO | 3 | $ 955,000 | $ 318,333 | $ 125,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 955,000 | $ 318,333 | $ 24,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 675,000 | $ 225,000 | $ 13,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 935,000 | $ 311,666 | $ 100,000 |
| Memphis, TN-MS-AR | 3 | $ 225,000 | $ 75,000 | $ 99,000 |
| Oakland-Hayward-Berkeley, CA | 3 | $ 705,000 | $ 235,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 3 | $ 1,105,000 | $ 368,333 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 1,485,000 | $ 495,000 | $ 0 |
| Santa Rosa, CA | 3 | $ 1,335,000 | $ 445,000 | $ 132,000 |
| Tucson, AZ | 3 | $ 455,000 | $ 151,666 | $ 26,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 415,000 | $ 138,333 | $ 0 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 240,000 | $ 120,000 | $ 17,000 |
| Asheville, NC | 2 | $ 380,000 | $ 190,000 | $ 29,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 40,000 | $ 20,000 | $ 85,000 |
| Camden, NJ | 2 | $ 450,000 | $ 225,000 | $ 48,000 |
| Cincinnati, OH-KY-IN | 2 | $ 270,000 | $ 135,000 | $ 96,000 |
| Corpus Christi, TX | 2 | $ 180,000 | $ 90,000 | $ 32,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 470,000 | $ 235,000 | $ 54,000 |
| Flagstaff, AZ | 2 | $ 970,000 | $ 485,000 | $ 62,000 |
| Kansas City, MO-KS | 2 | $ 690,000 | $ 345,000 | $ 0 |
| Newark, NJ-PA | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Punta Gorda, FL | 2 | $ 70,000 | $ 35,000 | $ 65,000 |
| Raleigh, NC | 2 | $ 790,000 | $ 395,000 | $ 0 |
| San Diego-Carlsbad, CA | 2 | $ 340,000 | $ 170,000 | $ 24,000 |
| Tyler, TX | 2 | $ 660,000 | $ 330,000 | $ 77,000 |
| Washington, DC-MD | 2 | $ 480,000 | $ 240,000 | $ 46,000 |
| Wenatchee, WA | 2 | $ 120,000 | $ 60,000 | $ 19,000 |
| Abilene, TX | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Akron, OH | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Albany, OR | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Amarillo, TX | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 1,145,000 | $ 1,145,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 1,505,000 | $ 1,505,000 | $ 313,000 |
| Barnstable Town, MA | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Birmingham-Hoover, AL | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bozeman, MT | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Brownsville-Harlingen, TX | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Cleveland, TN | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Colorado Springs, CO | 1 | $ 145,000 | $ 145,000 | $ 41,000 |
| Columbus, OH | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Durham-Chapel Hill, NC | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Everett, WA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 195,000 | $ 195,000 | $ 64,000 |
| Kennewick-Richland, WA | 1 | $ 105,000 | $ 105,000 | $ 12,000 |
| Kenosha, WI | 1 | $ 35,000 | $ 35,000 | $ 20,000 |
| Kingston, NY | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 195,000 | $ 195,000 | $ 40,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
| Longview, WA | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Louisville/Jefferson County, KY-IN | 1 | $ 45,000 | $ 45,000 | $ 14,000 |
| Manchester-Nashua, NH | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Midland, TX | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 205,000 | $ 205,000 | $ 39,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 455,000 | $ 455,000 | $ 0 |
| New Orleans-Metairie, LA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Philadelphia, PA | 1 | $ 1,235,000 | $ 1,235,000 | $ 0 |
| Pinehurst-Southern Pines, NC | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Pittsburgh, PA | 1 | $ 295,000 | $ 295,000 | $ 32,000 |
| Portland-South Portland, ME | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Prescott Valley-Prescott, AZ | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Racine, WI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Reading, PA | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Rochester, NY | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 175,000 | $ 175,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Sandusky, OH | 1 | $ 105,000 | $ 105,000 | $ 33,000 |
| Santa Fe, NM | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 1 | $ 535,000 | $ 535,000 | $ 172,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 25,000 | $ 25,000 | $ 20,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Waterbury-Shelton, CT | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Wildwood-The Villages, FL | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
Mortgage Loan Application Detail Totals for Liberty Savings Bank, FSB in 2024
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 | 172 | $62,930,000 | $365,000 | $1,235,000 | $244,000 | $934,000 |
| Other Purpose | 170 | $31,970,000 | $188,000 | $785,000 | $87,000 | $380,000 |
| Refinancing | 76 | $21,220,000 | $279,000 | $1,505,000 | $119,000 | $695,000 |
| Not Applicable | 38 | $7,550,000 | $198,000 | $685,000 | $0 | $0 |
| Home Improvement | 12 | $1,440,000 | $120,000 | $505,000 | $223,000 | $1,446,000 |
| Cash-out Refinancing | 5 | $1,325,000 | $265,000 | $505,000 | $111,000 | $176,000 |
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 | 284 | $74,390,000 | $261,000 | $1,505,000 | $139,000 | $1,446,000 |
| Not applicable | 151 | $43,245,000 | $286,000 | $1,235,000 | $0 | $0 |
| Not Provided | 20 | $3,810,000 | $190,000 | $405,000 | $100,000 | $222,000 |
| Black or African American | 7 | $935,000 | $133,000 | $345,000 | $44,000 | $54,000 |
| Hispanic | 6 | $1,790,000 | $298,000 | $625,000 | $167,000 | $380,000 |
| Asian | 4 | $2,190,000 | $547,000 | $825,000 | $224,000 | $360,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 471 | $126,315,000 | $268,000 | $1,505,000 | $138,000 | $1,446,000 |
| FHA-insured (Federal Housing Administration) | 2 | $120,000 | $60,000 | $65,000 | $0 | $0 |
| 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 | 192 | $55,840,000 | $290,000 | $1,505,000 | $145,000 | $1,446,000 |
| Loan Purchased By The Institution | 151 | $43,245,000 | $286,000 | $1,235,000 | $0 | $0 |
| Application Denied By Financial Institution | 71 | $14,835,000 | $208,000 | $885,000 | $92,000 | $365,000 |
| Application Withdrawn By Applicant | 34 | $6,370,000 | $187,000 | $625,000 | $189,000 | $900,000 |
| Preapproval Approved but not Accepted | 8 | $2,260,000 | $282,000 | $525,000 | $123,000 | $231,000 |
| Application Approved But Not Accepted | 7 | $1,945,000 | $277,000 | $555,000 | $99,000 | $177,000 |
| File Closed For Incompleteness | 6 | $1,230,000 | $205,000 | $505,000 | $138,000 | $246,000 |
| Preapproval Denied by Financial Institution | 4 | $710,000 | $177,000 | $265,000 | $133,000 | $173,000 |
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 | 398 | $110,890,000 | $278,000 | $1,505,000 | $147,000 | $1,446,000 |
| Other | 48 | $10,400,000 | $216,000 | $885,000 | $109,000 | $365,000 |
| Debt-To-Income Ratio | 13 | $2,535,000 | $195,000 | $505,000 | $68,000 | $158,000 |
| Credit History | 8 | $1,550,000 | $193,000 | $345,000 | $85,000 | $85,000 |
| Collateral | 3 | $125,000 | $41,000 | $75,000 | $0 | $0 |
| Unverifiable Information | 2 | $430,000 | $215,000 | $215,000 | $100,000 | $100,000 |
| Credit Application Incomplete | 1 | $505,000 | $505,000 | $505,000 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2024 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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