Liberty Savings Bank in Ohio vs the state
31.6%Denial rate+13.89 pts vs state
35.3%Decision denial rate+13.40 pts vs state
52.6%Origination rate-7.27 pts vs state
7.06%Median rate+0.19 pts vs state
0.36Rate spread (pts)-0.03 pts vs state
$88kMedian applicant income
10Loans originated
6Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 8 | 0.0% | 10.87% | #593 |
| 2024 | 12 | 9 | 8.3% | 10.50% | #571 |
| 2025 | 19 | 10 | 31.6% | 7.06% | #535 |
What Liberty Savings Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Liberty Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 7 | 4 | 2 | 28.6% |
| Butler County | 3 | 1 | 1 | 33.3% |
| Warren County | 2 | 1 | 1 | 50.0% |
| Portage County | 1 | 1 | 0 | 0.0% |
| Lorain County | 1 | 0 | 1 | 100.0% |
| Morrow County | 1 | 0 | 0 | 0.0% |
| Cuyahoga County | 1 | 0 | 1 | 100.0% |
| Highland County | 1 | 1 | 0 | 0.0% |
| Miami County | 1 | 1 | 0 | 0.0% |
| Geauga County | 1 | 1 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 19 applications in 2025, of which 10 were originated and 6 denied.
31.6% of all applications, or 35.3% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Liberty Savings Bank originated in Ohio in 2025 was 7.06%, against a statewide median of 6.88%.
About this data. Figures are Liberty Savings Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology