Liberty Savings Bank, F.S.B.
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016

Liberty Savings Bank, F.S.B. 2016 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 2,418
Total Mortgage Loan Application Amount $676,825,000
Average Mortgage Loan Application Amount $276,666
Highest Mortgage Loan Application Amount $1,667,000
Average Applicant Income $120,333
Highest Applicant Income $1,061,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.

Mortgage Loan Application Totals for Liberty Savings Bank, F.S.B. by Metropolitan Area in 2016

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 575 $ 168,329,000 $ 292,000 $ 125,000
CINCINNATI, OH-KY-IN 322 $ 64,771,000 $ 201,500 $ 112,500
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 163 $ 40,645,000 $ 249,000 $ 113,000
WARREN-TROY-FARMINGTON HILLS, MI 149 $ 36,140,000 $ 242,000 $ 120,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 121 $ 31,775,000 $ 262,000 $ 128,000
NORTH PORT-SARASOTA-BRADENTON, FL 108 $ 25,261,000 $ 233,000 $ 107,000
FORT COLLINS, CO 62 $ 16,772,000 $ 270,000 $ 125,000
JACKSONVILLE, FL 60 $ 13,346,000 $ 222,000 $ 119,000
FORT WAYNE, IN 57 $ 8,513,000 $ 149,000 $ 73,000
BOULDER, CO 50 $ 17,116,000 $ 342,000 $ 154,000
INDIANAPOLIS-CARMEL-ANDERSON, IN 46 $ 12,823,000 $ 278,000 $ 134,000
WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL 44 $ 17,063,000 $ 387,000 $ 126,000
GREELEY, CO 39 $ 9,346,000 $ 239,000 $ 95,000
CLEVELAND-ELYRIA, OH 36 $ 6,424,000 $ 178,000 $ 109,000
PORT ST. LUCIE, FL 31 $ 10,972,000 $ 353,000 $ 19,000
DAYTON, OH 27 $ 5,481,000 $ 203,000 $ 120,000
DETROIT-DEARBORN-LIVONIA, MI 27 $ 6,156,000 $ 228,000 $ 99,000
CAPE CORAL-FORT MYERS, FL 26 $ 8,490,000 $ 326,000 $ 195,000
ANN ARBOR, MI 18 $ 4,134,000 $ 229,000 $ 113,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 18 $ 10,390,000 $ 577,000 $ 47,000
SEBASTIAN-VERO BEACH, FL 18 $ 7,862,000 $ 436,000 $ 0
RALEIGH, NC 16 $ 6,099,000 $ 381,000 $ 165,000
COLUMBUS, OH 14 $ 4,051,000 $ 289,000 $ 156,000
OAKLAND-HAYWARD-BERKELEY, CA 14 $ 11,932,000 $ 852,000 $ 122,000
ANAHEIM-SANTA ANA-IRVINE, CA 12 $ 9,922,000 $ 826,000 $ 56,000
COLORADO SPRINGS, CO 11 $ 2,694,000 $ 244,000 $ 104,000
ORLANDO-KISSIMMEE-SANFORD, FL 11 $ 5,789,000 $ 526,000 $ 62,000
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 9 $ 2,548,000 $ 283,000 $ 85,000
PALM BAY-MELBOURNE-TITUSVILLE, FL 7 $ 2,620,000 $ 374,000 $ 0
SAN JOSE-SUNNYVALE-SANTA CLARA, CA 7 $ 4,979,000 $ 711,000 $ 45,000
SAN DIEGO-CARLSBAD, CA 6 $ 4,186,000 $ 697,000 $ 0
AKRON, OH 5 $ 1,510,000 $ 302,000 $ 193,000
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 5 $ 1,469,000 $ 293,000 $ 192,000
ATLANTA-SANDY SPRINGS-ROSWELL, GA 5 $ 2,208,000 $ 441,000 $ 92,000
CHICAGO-NAPERVILLE-ARLINGTON HEIGHTS, IL 5 $ 2,749,000 $ 549,000 $ 0
FLINT, MI 5 $ 1,099,000 $ 219,000 $ 121,000
GARY, IN 5 $ 1,615,000 $ 323,000 $ 135,000
NAPLES-IMMOKALEE-MARCO ISLAND, FL 5 $ 2,180,000 $ 436,000 $ 150,000
SAN RAFAEL, CA 5 $ 4,113,000 $ 822,000 $ 35,000
CHARLOTTE-CONCORD-GASTONIA, NC-SC 4 $ 2,092,000 $ 523,000 $ 317,000
DALLAS-PLANO-IRVING, TX 4 $ 2,141,000 $ 535,000 $ 282,000
GRAND RAPIDS-WYOMING, MI 4 $ 850,000 $ 212,000 $ 114,000
MIAMI-MIAMI BEACH-KENDALL, FL 4 $ 2,132,000 $ 533,000 $ 0
SEATTLE-BELLEVUE-EVERETT, WA 4 $ 1,470,000 $ 367,000 $ 0
DULUTH, MN-WI 3 $ 894,000 $ 298,000 $ 128,000
DURHAM-CHAPEL HILL, NC 3 $ 1,412,000 $ 470,000 $ 219,000
LAKELAND-WINTER HAVEN, FL 3 $ 544,000 $ 181,000 $ 140,000
LANSING-EAST LANSING, MI 3 $ 537,000 $ 179,000 $ 89,000
MODESTO, CA 3 $ 565,000 $ 188,000 $ 106,000
PHOENIX-MESA-SCOTTSDALE, AZ 3 $ 2,006,000 $ 668,000 $ 0
PUNTA GORDA, FL 3 $ 787,000 $ 262,000 $ 130,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 3 $ 1,077,000 $ 359,000 $ 0
SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA 3 $ 2,010,000 $ 670,000 $ 0
AUSTIN-ROUND ROCK, TX 2 $ 975,000 $ 487,000 $ 146,000
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 2 $ 1,159,000 $ 579,000 $ 165,000
CAMDEN, NJ 2 $ 929,000 $ 464,000 $ 0
FORT WORTH-ARLINGTON, TX 2 $ 1,009,000 $ 504,000 $ 62,000
LAFAYETTE-WEST LAFAYETTE, IN 2 $ 352,000 $ 176,000 $ 69,000
LOUISVILLE/JEFFERSON COUNTY, KY-IN 2 $ 351,000 $ 175,000 $ 149,000
MEMPHIS, TN-MS-AR 2 $ 717,000 $ 358,000 $ 0
MONROE, MI 2 $ 391,000 $ 195,000 $ 128,000
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 2 $ 644,000 $ 322,000 $ 92,000
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 2 $ 1,069,000 $ 534,500 $ 0
PROVIDENCE-WARWICK, RI-MA 2 $ 923,000 $ 461,500 $ 0
ROCHESTER, MN 2 $ 593,000 $ 296,000 $ 106,000
SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA 2 $ 1,126,000 $ 563,000 $ 0
SILVER SPRING-FREDERICK-ROCKVILLE, MD 2 $ 1,196,000 $ 598,000 $ 0
STOCKTON-LODI, CA 2 $ 1,127,000 $ 563,000 $ 156,000
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 2 $ 1,404,000 $ 702,000 $ 0
WILMINGTON, NC 2 $ 414,000 $ 207,000 $ 69,000
ATHENS-CLARKE COUNTY, GA 1 $ 441,000 $ 441,000 $ 0
AUGUSTA-RICHMOND COUNTY, GA-SC 1 $ 321,000 $ 321,000 $ 0
BAKERSFIELD, CA 1 $ 546,000 $ 546,000 $ 0
BRIDGEPORT-STAMFORD-NORWALK, CT 1 $ 382,000 $ 382,000 $ 0
CHARLESTON-NORTH CHARLESTON, SC 1 $ 321,000 $ 321,000 $ 0
CHARLOTTESVILLE, VA 1 $ 551,000 $ 551,000 $ 0
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL 1 $ 191,000 $ 191,000 $ 67,000
DES MOINES-WEST DES MOINES, IA 1 $ 165,000 $ 165,000 $ 130,000
GAINESVILLE, FL 1 $ 212,000 $ 212,000 $ 144,000
GOLDSBORO, NC 1 $ 95,000 $ 95,000 $ 90,000
GRAND JUNCTION, CO 1 $ 137,000 $ 137,000 $ 49,000
HOMOSASSA SPRINGS, FL 1 $ 250,000 $ 250,000 $ 257,000
JACKSON, MI 1 $ 261,000 $ 261,000 $ 172,000
KANSAS CITY, MO-KS 1 $ 180,000 $ 180,000 $ 175,000
KNOXVILLE, TN 1 $ 83,000 $ 83,000 $ 239,000
LAS CRUCES, NM 1 $ 694,000 $ 694,000 $ 0
LAS VEGAS-HENDERSON-PARADISE, NV 1 $ 490,000 $ 490,000 $ 0
LIMA, OH 1 $ 64,000 $ 64,000 $ 45,000
LINCOLN, NE 1 $ 233,000 $ 233,000 $ 0
MADISON, WI 1 $ 90,000 $ 90,000 $ 145,000
NASSAU COUNTY-SUFFOLK COUNTY, NY 1 $ 587,000 $ 587,000 $ 0
NILES-BENTON HARBOR, MI 1 $ 112,000 $ 112,000 $ 247,000
PITTSFIELD, MA 1 $ 436,000 $ 436,000 $ 0
PUEBLO, CO 1 $ 285,000 $ 285,000 $ 86,000
SANTA ROSA, CA 1 $ 410,000 $ 410,000 $ 188,000
SEBRING, FL 1 $ 58,000 $ 58,000 $ 123,000
SPRINGFIELD, OH 1 $ 198,000 $ 198,000 $ 225,000
ST. CLOUD, MN 1 $ 346,000 $ 346,000 $ 138,000
TOLEDO, OH 1 $ 101,000 $ 101,000 $ 161,000
TRENTON, NJ 1 $ 438,000 $ 438,000 $ 0
URBAN HONOLULU, HI 1 $ 777,000 $ 777,000 $ 0
WHEELING, WV-OH 1 $ 105,000 $ 105,000 $ 0
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA 1 $ 103,000 $ 103,000 $ 68,000

Mortgage Loan Application Detail Totals for Liberty Savings Bank, F.S.B. in 2016

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 1,231 $351,726,000 $285,000 $1,667,000 $119,000 $872,000
Home Purchase 1,127 $308,735,000 $273,000 $1,388,000 $112,000 $1,061,000
Home Improvement 60 $16,364,000 $272,000 $595,000 $130,000 $508,000

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 1,908 $487,413,000 $255,000 $1,057,000 $126,000 $1,061,000
Not applicable 182 $96,893,000 $532,000 $1,667,000 $0 $0
Not Provided 110 $31,381,000 $285,000 $967,000 $134,000 $452,000
Asian 102 $33,500,000 $328,000 $1,280,000 $158,000 $541,000
Hispanic 69 $16,969,000 $245,000 $750,000 $102,000 $424,000
Black or African American 39 $8,593,000 $220,000 $690,000 $76,000 $225,000
Native Hawaiin or Other Pacific Islander 4 $1,145,000 $286,000 $416,000 $134,000 $196,000
American Indian or Alaskan Native 4 $931,000 $232,000 $353,000 $79,000 $135,000

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) 2,332 $660,503,000 $283,000 $1,667,000 $118,000 $1,061,000
FHA-insured (Federal Housing Administration) 86 $16,322,000 $189,000 $406,000 $59,000 $210,000
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 1,895 $495,762,000 $261,000 $1,280,000 $128,000 $1,061,000
Application Denied By Financial Institution 211 $49,996,000 $236,000 $919,000 $107,000 $872,000
Loan Purchased By The Institution 180 $95,822,000 $532,000 $1,667,000 $0 $0
Application Withdrawn By Applicant 97 $26,509,000 $273,000 $980,000 $119,000 $850,000
Application Approved But Not Accepted 20 $5,553,000 $277,000 $417,000 $151,000 $525,000
File Closed For Incompleteness 11 $1,748,000 $158,000 $260,000 $108,000 $562,000
Preapproval Denied by Financial Institution 4 $1,435,000 $358,000 $770,000 $111,000 $285,000
Preapproval Approved but not Accepted 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 98 $24,649,000 $251,000 $919,000 $129,000 $872,000
Collateral 36 $8,566,000 $237,000 $566,000 $124,000 $513,000
Debt-To-Income Ratio 33 $6,965,000 $211,000 $770,000 $82,000 $292,000
Unverifiable Information 16 $3,525,000 $220,000 $493,000 $38,000 $144,000
Employment History 11 $2,383,000 $216,000 $417,000 $59,000 $145,000
Credit History 9 $2,578,000 $286,000 $770,000 $107,000 $285,000
Insufficient Cash (Downpayment, Closing Cost) 6 $1,594,000 $265,000 $635,000 $76,000 $164,000
Credit Application Incomplete 4 $748,000 $187,000 $272,000 $67,000 $122,000
Mortgage Insurance Denied 2 $423,000 $211,000 $230,000 $122,000 $133,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Savings Bank, F.S.B.'s 2016 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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