# Liberty Savings Bank, F.S.B.

> **Canonical URL:** https://saferate.com/lenders/liberty-savings-bank-fsb


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Liberty Savings Bank, F.S.B. is a bank, headquartered in Wilmington, OH, serving borrowers across 4 states, with 45 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 76% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300MU2YI0HXIT3257
- **Headquarters:** Wilmington, OH
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** CO, FL, OH, SC
- **Markets (MSAs):** 1
- **Primary Channel:** mix
- **Direct Origination:** 21.2%
- **Brokered/Wholesale:** 78.8%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.077%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,658
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 45
- **Dollar Volume:** $24 million
- **Applications Received:** 52
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $531,667
- **Average Borrower Income:** $278,711
- **Average Property Value:** $840,333

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 20/100 | 41 | +0.076% | $3,656 | Mediocre 😐 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 35 loans, Score: 22/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 23/100 | 39 | $21M | +0.051% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 38 | 0.05% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 32 | 48/100 |

## Frequently Asked Questions

### What loan types does Liberty Savings Bank, F.S.B. offer?

Liberty Savings Bank, F.S.B. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Liberty Savings Bank, F.S.B. offer mortgages?

Liberty Savings Bank, F.S.B. offers mortgages in 4 states: CO, FL, OH, SC.

### How competitive are Liberty Savings Bank, F.S.B.'s mortgage rates?

Liberty Savings Bank, F.S.B. has a pricing score of 24/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.077% above market average.

### What type of lender is Liberty Savings Bank, F.S.B.?

Liberty Savings Bank, F.S.B. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Wilmington, OH.

### What is Liberty Savings Bank, F.S.B.'s loan approval success rate?

Liberty Savings Bank, F.S.B. has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/liberty-savings-bank-fsb

### How to Cite

> "Liberty Savings Bank, F.S.B. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/liberty-savings-bank-fsb

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