Spread across 26 states
Its loans reach 42 metros. Its largest market is North Port-Bradenton-Sarasota in Florida, where it ranks 249 of 811 lenders. Other-purpose loans made up 49.5% of its lending, refinances 29.7% and home purchases 14.9%.
Applications / Mortgage Analytics / Lenders / Ohio / Liberty Savings Bank
Liberty Savings Bank
Wilmington, OH · Savings institution · OCC · $1.1 billion assets · 101 loans in 2025
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101
loans originated, 2025
202
applications, 2025
26
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty Savings Bank, an Ohio savings bank, spreads 101 loans across 26 states, and nearly half of them are for purposes other than buying, refinancing or improving a home.
Much smaller than it was
It made 1,585 loans in 2020 and 101 in 2025. The count fell 47% in the past year alone, from 192, faster than at almost every similar lender (savings institutions making between half and twice as many loans). It also all but stopped buying loans: 2 in 2025, against 151 in 2024. The figures alone cannot say whether the bank chose to scale back.
Lower-income borrowers
Low- and moderate-income borrowers took 52.4% of its loans, against 24.2% at similar lenders, a higher share than at nearly all of them. Five years earlier the share was 17.8%. Its typical loan, $185,000, was smaller than the $245,000 at similar lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
101 loans in 2025, against a peak of 1,585 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Liberty Savings Bank took 202 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
49.5% of its 2025 loans were other loans; all were conventional loans.
Other 49.5% · Refinance 29.7% · Purchase 14.9% · Home improvement 5.9%
Conventional 100.0% · of 101 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
26 states, 42 metros, 61 counties
| State | Loans | Share |
|---|---|---|
| Florida | 29 | 28.7% |
| Ohio | 10 | 9.9% |
| Illinois | 7 | 6.9% |
| Colorado | 6 | 5.9% |
| Oregon | 6 | 5.9% |
| Arizona | 5 | 5.0% |
| Wisconsin | 5 | 5.0% |
| Indiana | 4 | 4.0% |
| Georgia | 3 | 3.0% |
| North Carolina | 3 | 3.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| North Port-Bradenton-Sarasota | 27 |
| Dayton-Kettering-Beavercreek | 5 |
| Chicago-Naperville-Schaumburg | 4 |
| Portland-Vancouver-Hillsboro | 4 |
| Tucson | 3 |
| Baltimore-Columbia-Towson | 2 |
| Cincinnati | 2 |
| Denver-Aurora-Centennial | 2 |
| Milwaukee-Waukesha | 2 |
| Minneapolis-St. Paul-Bloomington | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MU2YI0HXIT3257 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 839572 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 48039 | 1992–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1708039 | 2011–2017 |
Established 14 September 1984. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Liberty Savings Bank's data.
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