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 Cash Out 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: Denver, Minneapolis, North Port, Fort Wayne, and Tampa among others. We have data for 51 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 a high 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 | 6.54% | 12/16/24 |
| 30 Year Conventional Refi | 6.42% | 12/16/24 |
| 30 Year Cash-out Refi | 6.67% | 12/16/24 |
| 30 Year FHA Purchase | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 6.32% | 12/16/24 |
| 15 Year Conventional Refi | 6.04% | 12/16/24 |
| 15 Year Cash-out Refi | 6.04% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
190Origination Dollar Volume (All Markets)
$56,070,000Awards
Liberty Savings Bank F.S.B. - 2022
Liberty Savings Bank F.S.B. is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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 | 30 | $13,680,000 | $456,000 | $12,275 | 4.88% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 28 | $10,610,000 | $378,929 | $10,679 | 4.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 32 | $9,790,000 | $305,938 | $8,387 | 4.07% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 18 | $4,330,000 | $240,556 | $5,035 | 4.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 9 | $1,635,000 | $181,667 | $4,701 | 4.74% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $5,072 | 4.55% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $0 | 8.16% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $0 | 5.99% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $0 | 7.43% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $3,616 | 5.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $5,134 | 3.92% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $4,424 | 3.17% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $8,006 | 4.50% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $15,476 | 5.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $4,338 | 4.78% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,380 | 2.88% |
| Alexandria, MN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $9,752 | 2.38% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $7,826 | 5.38% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,759 | 6.81% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 6.99% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,724 | 5.63% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 5.24% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,665 | 5.63% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $10,033 | 3.13% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,988 | 4.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,248 | 4.75% |
| Key West, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 5.49% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,490 | 5.38% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,922 | 2.50% |
| Huntington, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,145 | 3.38% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,175 | 3.00% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,200 | 3.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,475 | 3.88% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 7.74% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $9,365 | 5.50% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,904 | 4.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $0 | 7.49% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.74% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.49% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.99% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.99% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.99% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.24% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.24% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.49% |
| RACINE, WI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.24% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 6.49% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.24% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 6.49% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.49% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.99% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 145 | $47,205,000 | $325,552 | $8,351 | 4.17% |
| HELOC | 45 | $8,865,000 | $197,000 | n/a | 7.85% |
For 2022, Liberty Savings Bank F.s.b.'s most frequently originated type of loan was Conventional, with 145 originations. Their 2nd most popular type was HELOC, with 45 originations.
Loan Reason
For 2022, Liberty Savings Bank F.s.b.'s most frequently cited loan purpose was Cash Out Refi, with 87 originations. The 2nd most popular reason was Home Purchase, with 76 originations.
Loan Duration/Length
For 2022, Liberty Savings Bank F.s.b.'s most frequently cited loan duration was 30 Year, with 160 originations. The 2nd most popular length was 15 Year, with 26 originations.
Origination Fees/Closing Costs
Liberty Savings Bank F.s.b.'s average total fees were $8,711, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 75 originations.
Interest Rates
During 2022, Liberty Savings Bank F.s.b.'s average interest rate for loans was 5.39%, while their most frequently originated rate bucket for loans was 3-4%, with 51 originations.
Loan Sizing
2022 saw Liberty Savings Bank F.s.b. place emphasis on $200k-400k loans with 70 originations, totaling $19,480,000 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 38 originations. The second most popular income band? $100k-150k, with 36 originations.
Applicant Debt to Income Ratio
Liberty Savings Bank F.s.b. lent most frequently to those with DTI ratios of 30-36%, with 36 originations. The next most common DTI ratio? 20-30%, with 28 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.31%
Liberty Savings Bank F.s.b. has an average approval rate.
Pick Rate
Approvals leading to origination81.58%
Liberty Savings Bank F.s.b. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 190 | $56,070,000 | $295,105 |