Liberty Savings Bank F.s.b. Mortgage Rates, Fees & Info

Wilmington, OH

LEI: 549300MU2YI0HXIT3257

Tax ID: 31-0361400

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Liberty Savings Bank F.s.b. is a smaller bank specializing in Refi, Cash Out Refi, and Home Purchase loans. Liberty Savings Bank F.s.b. has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Minneapolis, Denver, North Port, Cincinnati, and Tampa among others. We have data for 112 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Liberty Savings Bank F.s.b. has an above 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 about average 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.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.54% 10/13/24
    30 Year Conventional Refi 6.42% 10/13/24
    30 Year Cash-out Refi 6.67% 10/13/24
    30 Year FHA Purchase 6.27% 10/13/24
    15 Year Conventional Purchase 6.32% 10/13/24
    15 Year Conventional Refi 6.04% 10/13/24
    15 Year Cash-out Refi 6.04% 10/13/24
    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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Liberty Savings Bank F.s.b.. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,079

    Origination Dollar Volume (All Markets)

    $300,575,000

    Employee count

    117 Show all (11) awards

    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
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 201 $62,895,000 $312,910 $7,972 2.80%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 164 $61,820,000 $376,951 $7,369 2.87%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 119 $26,255,000 $220,630 $3,611 2.72%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 87 $24,155,000 $277,644 $6,130 2.75%
    Outside of Metro Areas 37 $12,505,000 $337,973 $9,007 2.96%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 56 $12,180,000 $217,500 $4,217 2.77%
    JACKSONVILLE, FL (FHA|USDA|VA) 27 $7,595,000 $281,296 $6,348 2.77%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 26 $6,450,000 $248,077 $4,742 2.81%
    FORT WAYNE, IN (FHA|USDA|VA) 37 $6,105,000 $165,000 $4,185 3.06%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 22 $5,810,000 $264,091 $5,922 2.57%
    BOULDER, CO (FHA|USDA|VA) 14 $5,140,000 $367,143 $5,968 2.79%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 13 $3,715,000 $285,769 $3,265 2.75%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 13 $3,295,000 $253,462 $4,002 2.71%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 10 $3,180,000 $318,000 $4,395 2.60%
    COLUMBUS, OH (FHA|USDA|VA) 12 $3,150,000 $262,500 $6,268 2.65%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $3,125,000 $284,091 $4,307 2.75%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 14 $3,080,000 $220,000 $3,968 2.99%
    GREELEY, CO (FHA|USDA|VA) 7 $2,595,000 $370,714 $7,720 2.91%
    ST. CLOUD, MN (FHA|USDA|VA) 9 $2,385,000 $265,000 $7,559 2.72%
    FORT COLLINS, CO (FHA|USDA|VA) 9 $2,315,000 $257,222 $5,197 2.74%
    PUNTA GORDA, FL (FHA|USDA|VA) 10 $2,050,000 $205,000 $3,256 2.83%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 12 $1,980,000 $165,000 $3,393 2.85%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $1,855,000 $206,111 $3,523 2.94%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 6 $1,830,000 $305,000 $3,707 3.02%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 5 $1,605,000 $321,000 $5,777 2.75%
    Brainerd, MN (FHA|USDA|VA) 6 $1,570,000 $261,667 $7,694 2.75%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $1,305,000 $261,000 $3,651 2.75%
    WILMINGTON, NC (FHA|USDA|VA) 4 $1,140,000 $285,000 $2,866 2.72%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,135,000 $162,143 $3,043 2.61%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,075,000 $215,000 $4,944 2.75%
    RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,000,000 $250,000 $3,999 2.72%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $975,000 $325,000 $2,875 3.04%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $945,000 $315,000 $4,386 2.38%
    DULUTH, MN-WI (FHA|USDA|VA) 3 $925,000 $308,333 $7,194 2.54%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $870,000 $435,000 $5,386 4.00%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 5 $795,000 $159,000 $3,939 2.58%
    AKRON, OH (FHA|USDA|VA) 4 $780,000 $195,000 $3,996 3.03%
    Wilmington, OH (FHA|USDA|VA) 6 $780,000 $130,000 $2,894 2.38%
    RICHMOND, VA (FHA|USDA|VA) 2 $770,000 $385,000 $3,289 3.50%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $690,000 $345,000 $8,327 2.56%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $655,000 $655,000 $4,007 2.50%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 3 $605,000 $201,667 $4,684 3.13%
    Warsaw, IN (FHA|USDA|VA) 2 $590,000 $295,000 $5,769 3.13%
    LOUISVILLE, KY (FHA|USDA|VA) 3 $575,000 $191,667 $2,597 2.88%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $545,000 $545,000 $3,635 2.38%
    Edwards, CO (FHA|USDA|VA) 1 $505,000 $505,000 $3,490 2.75%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $505,000 $168,333 $2,820 2.83%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $485,000 $485,000 $2,840 3.38%
    COLUMBIA, SC (FHA|USDA|VA) 1 $455,000 $455,000 $4,025 2.75%
    Breckenridge, CO (FHA|USDA|VA) 1 $445,000 $445,000 $3,195 2.63%
    Portsmouth, OH (FHA|USDA|VA) 2 $440,000 $220,000 $5,690 2.75%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $430,000 $215,000 $4,328 3.00%
    Glenwood Springs, CO (FHA|USDA|VA) 1 $425,000 $425,000 $8,737 3.00%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $415,000 $415,000 $5,047 3.25%
    ASHEVILLE, NC (FHA|USDA|VA) 2 $380,000 $190,000 $2,850 2.19%
    Key West, FL (FHA|USDA|VA) 1 $375,000 $375,000 $3,262 2.88%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $360,000 $180,000 $3,004 2.56%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $355,000 $355,000 $6,346 2.88%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $330,000 $165,000 $5,715 4.00%
    NILES, MI (FHA|USDA|VA) 2 $330,000 $165,000 $3,994 2.06%
    Angola, IN (FHA|USDA|VA) 2 $320,000 $160,000 $4,268 2.75%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $315,000 $315,000 $4,248 3.25%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $285,000 $285,000 $3,104 2.63%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $265,000 $265,000 $0 5.24%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $260,000 $130,000 $5,087 2.81%
    OCALA, FL (FHA|USDA|VA) 2 $260,000 $130,000 $4,106 3.13%
    LIMA, OH (FHA|USDA|VA) 1 $245,000 $245,000 $8,427 3.50%
    Frankfort, KY (FHA|USDA|VA) 1 $245,000 $245,000 $3,262 2.25%
    Augusta-Waterville, ME (FHA|USDA|VA) 1 $245,000 $245,000 $4,586 3.00%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $245,000 $245,000 $4,587 2.88%
    MANKATO, MN (FHA|USDA|VA) 1 $235,000 $235,000 $6,433 3.00%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $235,000 $235,000 $2,987 2.63%
    Shelby, NC (FHA|USDA|VA) 1 $235,000 $235,000 $2,887 3.00%
    IOWA CITY, IA (FHA|USDA|VA) 1 $215,000 $215,000 $4,091 2.00%
    AMES, IA (FHA|USDA|VA) 1 $215,000 $215,000 $4,314 2.00%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $215,000 $215,000 $2,189 2.63%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $215,000 $215,000 $3,239 3.25%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,373 3.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $195,000 $195,000 $4,885 3.00%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $195,000 $195,000 $2,813 2.00%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $195,000 $195,000 $5,027 3.63%
    Grand Rapids, MN (FHA|USDA|VA) 1 $195,000 $195,000 $6,021 2.38%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,223 3.25%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $185,000 $185,000 $2,962 3.13%
    Holland, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,790 2.25%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $185,000 $185,000 $3,147 3.25%
    MONROE, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,263 2.88%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $175,000 $175,000 $2,782 2.00%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $175,000 $175,000 $6,359 3.13%
    Decatur, IN (FHA|USDA|VA) 1 $175,000 $175,000 $4,625 3.00%
    DALTON, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,067 3.38%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,026 2.88%
    Boone, NC (FHA|USDA|VA) 1 $175,000 $175,000 $2,931 2.88%
    Chillicothe, OH (FHA|USDA|VA) 1 $165,000 $165,000 $3,123 3.25%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $165,000 $165,000 $4,598 2.00%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $155,000 $155,000 $3,853 2.75%
    Faribault-Northfield, MN (FHA|USDA|VA) 1 $155,000 $155,000 $2,400 2.25%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $145,000 $145,000 $3,021 3.13%
    Sunbury, PA (FHA|USDA|VA) 1 $145,000 $145,000 $4,578 1.75%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,670 2.88%
    WINSTON-SALEM, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,922 2.13%
    WHEELING, WV-OH (FHA|USDA|VA) 1 $135,000 $135,000 $3,744 2.38%
    Waycross, GA (FHA|USDA|VA) 1 $135,000 $135,000 $3,028 3.13%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $125,000 $125,000 $2,955 2.25%
    Kendallville, IN (FHA|USDA|VA) 1 $105,000 $105,000 $3,748 3.25%
    Washington Court House, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,959 3.13%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,656 2.13%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $85,000 $85,000 $3,088 3.25%
    Auburn, IN (FHA|USDA|VA) 1 $85,000 $85,000 $4,073 3.63%
    Albemarle, NC (FHA|USDA|VA) 1 $85,000 $85,000 $2,034 3.25%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $85,000 $85,000 $4,301 3.00%
    Huntington, IN (FHA|USDA|VA) 1 $85,000 $85,000 $3,712 3.25%
    Liberty Savings Bank F.s.b.'s top markets include Minneapolis, Denver, North Port, Cincinnati, and Tampa among others.

    Their top states include:
  • Colorado (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)

    • 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.

    BEACON CREDIT UNION
    Similarity Rank: 144
    Polish-American Federal Credit Union
    Similarity Rank: 212
    The North Side Bank & Trust Company
    Similarity Rank: 246
    CINFED Federal Credit Union
    Similarity Rank: 288
    St James Mortgage Corporation
    Similarity Rank: 304
    Crossroads Bank
    Similarity Rank: 330
    ProFed Federal Credit Union
    Similarity Rank: 456
    Sharefax Credit Union
    Similarity Rank: 505
    Cedar Point Federal Credit Union
    Similarity Rank: 546
    T&I Credit union
    Similarity Rank: 618

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,078 $300,460,000 $278,720 $5,809 2.81%
    FHA 1 $115,000 $115,000 $7,761 3.25%

    For 2021, Liberty Savings Bank F.s.b.'s most frequently originated type of loan was Conventional, with 1,078 originations. Their 2nd most popular type was FHA, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 534 $144,720,000 $271,011 $5,270 2.68%
    Cash Out Refi 279 $76,945,000 $275,789 $5,843 2.95%
    Home Purchase 196 $61,620,000 $314,388 $7,384 2.96%
    Home Improvement 70 $17,290,000 $247,000 $5,392 2.79%

    For 2021, Liberty Savings Bank F.s.b.'s most frequently cited loan purpose was Refi, with 534 originations. The 2nd most popular reason was Cash Out Refi, with 279 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 732 $213,540,000 $291,721 $6,075 3.00%
    15 Year 245 $61,475,000 $250,918 $5,391 2.32%
    20 Year 61 $15,805,000 $259,098 $5,610 2.69%
    10 Year 24 $4,720,000 $196,667 $3,834 2.10%
    Other 17 $5,035,000 $296,176 $4,054 2.79%

    For 2021, Liberty Savings Bank F.s.b.'s most frequently cited loan duration was 30 Year, with 732 originations. The 2nd most popular length was 15 Year, with 245 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 318 $121,370,000 $381,667
    $<1k 263 $69,215,000 $263,175
    $1k-2k 164 $34,770,000 $212,012
    $4k-5k 137 $34,945,000 $255,073
    $3k-4k 102 $23,870,000 $234,020
    $2k-3k 93 $16,185,000 $174,032

    Liberty Savings Bank F.s.b.'s average total fees were $6,075, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 318 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 530 $154,190,000 $290,925
    <2.5% 282 $72,530,000 $257,199
    3-4% 261 $72,425,000 $277,490
    5-6% 4 $910,000 $227,500
    4-5% 1 $475,000 $475,000
    6-7% 1 $45,000 $45,000

    During 2021, Liberty Savings Bank F.s.b.'s average interest rate for loans was 3.00%, while their most frequently originated rate bucket for loans was 2.5-3%, with 530 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 500 $142,450,000 $284,900 $5,980 2.81%
    $100k-200k 326 $51,430,000 $157,761 $4,038 2.74%
    $400k-600k 201 $97,415,000 $484,652 $8,733 2.85%
    $100,000 or less 44 $3,620,000 $82,273 $3,213 2.98%
    $600k-1MM 8 $5,660,000 $707,500 $7,409 2.98%

    2021 saw Liberty Savings Bank F.s.b. place emphasis on $200k-400k loans with 500 originations, totaling $142,450,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 262 $77,550,000 $295,992 $6,071 2.79%
    $150k-250k 220 $80,820,000 $367,364 $6,979 2.74%
    $50k-75k 210 $44,170,000 $210,333 $4,885 2.82%
    $75k-100k 207 $50,395,000 $243,454 $5,510 2.81%
    $50k or less 106 $15,620,000 $147,358 $3,804 2.90%
    $250k+ 71 $31,325,000 $441,197 $7,842 2.80%

    Liberty Savings Bank F.s.b. lent most frequently to those with incomes in the $100k-150k range, with 262 originations. The second most popular income band? $150k-250k, with 220 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 283 $79,995,000 $282,668 $5,719 2.75%
    30-36% 201 $53,925,000 $268,284 $5,855 2.81%
    <20% 116 $32,160,000 $277,241 $5,671 2.64%
    36% 51 $13,205,000 $258,922 $5,982 2.79%
    37% 42 $12,910,000 $307,381 $6,926 2.89%
    44% 42 $12,470,000 $296,905 $5,855 2.88%
    39% 37 $10,445,000 $282,297 $6,243 2.93%
    41% 37 $10,355,000 $279,865 $5,517 2.77%
    42% 36 $11,560,000 $321,111 $5,584 2.93%
    49% 34 $10,130,000 $297,941 $6,186 2.88%
    40% 33 $9,465,000 $286,818 $5,689 2.89%
    45% 30 $8,370,000 $279,000 $6,762 3.00%
    48% 29 $7,345,000 $253,276 $5,664 2.82%
    43% 27 $6,945,000 $257,222 $5,262 2.87%
    38% 26 $6,750,000 $259,615 $6,038 2.78%
    47% 22 $6,410,000 $291,364 $5,403 2.68%
    46% 22 $5,410,000 $245,909 $4,500 2.87%
    50-60% 6 $1,800,000 $300,000 $5,054 3.00%
    >60% 1 $185,000 $185,000 $3,274 2.13%

    Liberty Savings Bank F.s.b. lent most frequently to those with DTI ratios of 20-30%, with 283 originations. The next most common DTI ratio? 30-36%, with 201 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 938 $264,910,000 $282,420 $5,943 2.83%
    Asian 57 $16,985,000 $297,982 $6,255 2.59%
    Not provided 69 $15,155,000 $219,638 $3,918 2.64%
    Black 14 $3,190,000 $227,857 $4,402 3.17%
    Native Hawaiian or Islander 1 $335,000 $335,000 $6,181 3.00%

    Approval Rates

    Total approvals of all applications
    93.68%

    Liberty Savings Bank F.s.b. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    88.51%

    Liberty Savings Bank F.s.b. has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,079 $300,575,000 $278,568

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,079 $300,575,000 $278,568

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 81 $15,385,000 $189,938 $4,268 2.70%
    40-60% 283 $74,095,000 $261,820 $5,282 2.69%
    60-80% 515 $153,575,000 $298,204 $6,049 2.85%
    80-100% 195 $56,835,000 $291,462 $6,604 2.92%
    Under 20% 5 $685,000 $137,000 $4,492 2.30%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Liberty Finance Co., Inc. Conventional home mortgage Struggling to pay mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Liberty Savings Bank, F.S.B. 1679 South Tamiami Trail Venice, FL 34293 Full Service B&M $84,453
    Liberty Savings Bank, F.S.B. 2323 Stickney Point Rd Sarasota, FL 34231 Full Service B&M $171,300
    Liberty Savings Bank, F.S.B. 3435 Airborne Road, Suite B Wilmington, OH 45177 Full Service B&M $180,383
    Liberty Savings Bank, F.S.B. 3901 Cortez Road West Bradenton, FL 34210 Full Service B&M $112,401
    Liberty Savings Bank, F.S.B. 4103 South Tamiami Trail Venice, FL 34293 Full Service B&M $136,160
    Liberty Savings Bank, F.S.B. 8383 South Tamiami Trail Sarasota, FL 34236 Full Service B&M $118,228

    For 2021, Liberty Savings Bank F.s.b. had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $28,823
    Net interest income $25,297
    Total noninterest income $10,125
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,208
    Trading account gains and fees $0
    Additional Noninterest Income $8,917
    Pre-tax net operating income $17,281
    Securities gains (or losses, -) $1,773
    Income before extraordinary items $18,964
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $18,964
    Minority interest net income $0
    Net income $18,964
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $17,191

    Liberty Savings Bank F.s.b.'s gross interest income from loans was $28,823,000.
    Liberty Savings Bank F.s.b.'s net interest income from loans was $25,297,000.
    Liberty Savings Bank F.s.b.'s fee based income from loans was $1,208,000.
    Liberty Savings Bank F.s.b.'s net income from loans was $18,964,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,526
    Provision for credit losses $0
    Total noninterest expense $18,141
    Salaries and employee benefits $9,088
    Premises and equipment expense $3,482
    Additional noninterest expense $5,571
    Applicable income taxes $90
    Net charge-offs $-100
    Cash dividends $1,500

    Liberty Savings Bank F.s.b.'s interest expense for loans was $3,526,000.
    Liberty Savings Bank F.s.b.'s payroll and benefits expense were $9,088,000.
    Liberty Savings Bank F.s.b.'s property, plant and equipment expenses $3,482,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 1.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $857,720
    Deposits held in domestic offices $857,720
    Deposits by Individuals, partnerships, and corporations $813,437
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $42,346
    Deposits by Commercial banks and other depository institutions in U.S. $1,937
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $161,915
    Demand deposits $161,915
    Nontransaction accounts $695,805
    Money market deposit accounts (MMDAs) $18,912
    Other savings deposits (excluding MMDAs) $221,743
    Total time deposits $455,150
    Total time and savings deposits $695,805
    Noninterest-bearing deposits $161,915
    Interest-bearing deposits $695,805
    Retail deposits $592,952
    IRAs and Keogh plan accounts $21,365
    Brokered deposits $184,304
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $983,927
    Cash & Balances due from depository institutions $26,980
    Interest-bearing balances $21,594
    Total securities $234,083
    Federal funds sold & reverse repurchase $0
    Net loans and leases $696,794
    Loan and leases loss allowance $5,453
    Trading account assets $0
    Bank premises and fixed assets $6,586
    Other real estate owned $2,319
    Goodwill and other intangibles $5,095
    All other assets $12,070

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $983,927
    Total Liabilities $881,217
    Total deposits $857,720
    Interest-bearing deposits $695,805
    Deposits held in domestic offices $857,720
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $20,000
    Subordinated debt $0
    All other liabilities $3,497

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $696,794
    Loan and leases loss allowance $5,453
    Total loans and leases (domestic) $702,247
    All real estate loans $690,469
    Real estate loans in domestic offices $690,469
    Construction and development loans $123
    Residential 1-4 family construction $0
    Other construction, all land development and other land $123
    Loans secured by nonfarm nonresidential properties $1,771
    Nonfarm nonresidential secured by owner-occupied properties $930
    Commercial real estate & other non-farm, non-residential $841
    Multifamily residential real estate $414
    1-4 family residential loans $687,824
    Farmland loans $337
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $594
    To non-U.S. addressees $0
    Loans to individuals $11,184
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $11,184
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $82
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,705
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Liberty Savings Bank F.S.B. had $696,794,000 of loans outstanding in 2021. $690,469,000 of loans were in real estate loans. $123,000 of loans were in development loans. $414,000 of loans were in multifamily mortgage loans. $687,824,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 9 $775 $86,111
    Nonfarm, nonresidential loans - $100-250k 8 $607 $75,875
    Nonfarm, nonresidential loans - $250k-1MM 1 $168 $168,000
    Farmland loans - <$1MM 1 $337 $337,000
    Farmland loans - $250k-1MM 1 $337 $337,000