Liberty Savings Bank F.s.b. Mortgage Rates, Fees & Info
Wilmington, OHLEI: 549300MU2YI0HXIT3257
Tax ID: 31-0361400
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Mortgage Data
Review & Overview
Liberty Savings Bank F.s.b. is a smaller bank specializing in Other, Refi, and Home Purchase loans. Liberty Savings Bank F.s.b. has a high proportion of conventional loans. Their top markets by origination volume include: North Port, Denver, Minneapolis, Chicago, and Orlando among others. We have data for 64 markets. (Some data included below & more in-depth data is available with an active subscription.)Liberty Savings Bank F.s.b. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Liberty Savings Bank F.s.b. is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.82% | 4/5/25 |
| 30 Year Conventional Refi | 7.04% | 4/5/25 |
| 30 Year Cash-out Refi | 6.52% | 4/5/25 |
| 15 Year Conventional Purchase | 6.04% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Liberty Savings Bank F.s.b. Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
192Origination Dollar Volume (All Markets)
$55,840,000Awards
Liberty Savings Bank F.S.B. - 2024
Liberty Savings Bank F.S.B. is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Liberty Savings Bank F.s.b.'s average 30 year fixed mortgage rate was
8.81%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 2.26%.
Relative Fees (Closing Costs)
Liberty Savings Bank F.s.b.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $10,288.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Outside of Metro Areas | 34 | $18,070,000 | $531,471 | $11,823 | 6.44% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 46 | $9,140,000 | $198,696 | $5,333 | 7.81% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $3,995,000 | $443,889 | $10,096 | 7.31% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 8 | $2,620,000 | $327,500 | $0 | 10.44% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 12 | $2,580,000 | $215,000 | $0 | 9.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $1,605,000 | $229,286 | $0 | 9.07% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 8.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $0 | 9.50% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $0 | 9.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $0 | 10.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $10,018 | 8.50% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $0 | 9.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $0 | 9.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $0 | 9.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $0 | 9.50% |
| TYLER, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 9.50% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $0 | 9.50% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 11.50% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 9.50% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $0 | 9.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 8.50% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 11.00% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $7,542 | 7.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 9.00% |
| Paris, TN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 11.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 7.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 9.50% |
| Newberry, SC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,304 | 6.50% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 9.50% |
| Outside of Metro Areas | 1 | $215,000 | $215,000 | $0 | 11.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 11.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 9.38% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 11.50% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 11.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $185,000 | $61,667 | $0 | 9.75% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 11.50% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 11.50% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 11.50% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 11.50% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 11.50% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 10.63% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 11.13% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.00% |
| Shelton, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.50% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,595 | 6.25% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.50% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.50% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 11.50% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.25% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 11.50% |
| Crossville, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,708 | 6.25% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 11.50% |
| AKRON, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.25% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 11.50% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 11.50% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 11.50% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.50% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.75% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 11.50% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 11.50% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 10.75% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 11.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 7.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Liberty Savings Bank F.S.B. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 90
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 143 | $31,325,000 | $219,056 | n/a | 9.52% |
| Conventional | 49 | $24,515,000 | $500,306 | $10,151 | 6.28% |
For 2024, Liberty Savings Bank F.s.b.'s most frequently originated type of loan was HELOC, with 143 originations. Their 2nd most popular type was Conventional, with 49 originations.
Loan Reason
For 2024, Liberty Savings Bank F.s.b.'s most frequently cited loan purpose was Other, with 89 originations. The 2nd most popular reason was Refi, with 50 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 155 | $50,305,000 | $324,548 | $10,288 | 8.81% |
| Other | 36 | $5,460,000 | $151,667 | $0 | 8.27% |
| 15 Year | 1 | $75,000 | $75,000 | $3,708 | 6.25% |
For 2024, Liberty Savings Bank F.s.b.'s most frequently cited loan duration was 30 Year, with 155 originations. The 2nd most popular length was Other, with 36 originations.
Origination Fees/Closing Costs
Liberty Savings Bank F.s.b.'s average total fees were $10,288, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 36 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 110 | $24,570,000 | $223,364 |
| 6-7% | 37 | $16,545,000 | $447,162 |
| 7-8% | 30 | $5,870,000 | $195,667 |
| 5-6% | 15 | $8,855,000 | $590,333 |
During 2024, Liberty Savings Bank F.s.b.'s average interest rate for loans was 8.81%, while their most frequently originated rate bucket for loans was Over 8%, with 110 originations.
Loan Sizing
2024 saw Liberty Savings Bank F.s.b. place emphasis on $200k-400k loans with 55 originations, totaling $15,745,000 in origination value.
Applicant Income
Liberty Savings Bank F.s.b. lent most frequently to those with incomes in the $50k or less range, with 53 originations. The second most popular income band? $150k-250k, with 33 originations.
Applicant Debt to Income Ratio
Liberty Savings Bank F.s.b. lent most frequently to those with DTI ratios of 30-36%, with 20 originations. The next most common DTI ratio? 20-30%, with 17 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.99%
Liberty Savings Bank F.s.b. has a below average approval rate.
Pick Rate
Approvals leading to origination78.65%
Liberty Savings Bank F.s.b. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 192 | $55,840,000 | $290,833 |