American Liberty Mortgage Inco Mortgage Lending & HMDA Data, 2025
In 2025, American Liberty Mortgage Inco of Denver, CO reported 773 mortgage applications totaling $290.2 million, up 36% from 2024. The average application was for $375,413, and applicants reported an average income of $156,878. 66% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (251), Colorado Springs, CO (96) and Lakeland-Winter Haven, FL (76) (applications in parentheses).
| Mortgage Company & Address | American Liberty Mortgage Inco 1932 W 33rd Ave Denver, CO 80211 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 773 |
| Total Mortgage Loan Application Amount | $290,195,000 |
| Average Mortgage Loan Application Amount | $375,413 |
| Highest Mortgage Loan Application Amount | $2,135,000 |
| Average Applicant Income | $156,878 |
| Highest Applicant Income | $8,330,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Liberty Mortgage Inco filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| El Paso, Colorado | 93 | $ 33,715,000 | $ 362,526 | $ 127,000 |
| Polk, Florida | 76 | $ 18,410,000 | $ 242,236 | $ 89,000 |
| Jefferson, Colorado | 71 | $ 33,365,000 | $ 469,929 | $ 163,000 |
| Victoria, Texas | 69 | $ 18,235,000 | $ 264,275 | $ 122,000 |
| Arapahoe, Colorado | 51 | $ 20,895,000 | $ 409,705 | $ 148,000 |
| Denver, Colorado | 46 | $ 28,280,000 | $ 614,782 | $ 255,000 |
| Adams, Colorado | 43 | $ 17,275,000 | $ 401,744 | $ 137,000 |
| Weld, Colorado | 38 | $ 15,500,000 | $ 407,894 | $ 160,000 |
| Douglas, Colorado | 25 | $ 14,425,000 | $ 577,000 | $ 244,000 |
| Larimer, Colorado | 19 | $ 8,105,000 | $ 426,578 | $ 177,000 |
| Calhoun, Texas | 19 | $ 4,485,000 | $ 236,052 | $ 537,000 |
| Pueblo, Colorado | 15 | $ 4,525,000 | $ 301,666 | $ 92,000 |
| Grand, Colorado | 13 | $ 6,195,000 | $ 476,538 | $ 218,000 |
| Maricopa, Arizona | 10 | $ 3,740,000 | $ 374,000 | $ 117,000 |
| Fremont, Colorado | 7 | $ 2,165,000 | $ 309,285 | $ 113,000 |
| Boulder, Colorado | 6 | $ 2,490,000 | $ 415,000 | $ 105,000 |
| Hardee, Florida | 6 | $ 1,140,000 | $ 190,000 | $ 101,000 |
| Highlands, Florida | 6 | $ 1,390,000 | $ 231,666 | $ 81,000 |
| Hillsborough, Florida | 6 | $ 1,700,000 | $ 283,333 | $ 136,000 |
| DeWitt, Texas | 6 | $ 1,170,000 | $ 195,000 | $ 89,000 |
| Broomfield, Colorado | 5 | $ 1,985,000 | $ 397,000 | $ 103,000 |
| Morgan, Colorado | 5 | $ 1,605,000 | $ 321,000 | $ 110,000 |
| Park, Colorado | 5 | $ 1,925,000 | $ 385,000 | $ 110,000 |
| Pima, Arizona | 4 | $ 1,550,000 | $ 387,500 | $ 108,000 |
| Elbert, Colorado | 4 | $ 2,100,000 | $ 525,000 | $ 160,000 |
| Pasco, Florida | 4 | $ 1,650,000 | $ 412,500 | $ 157,000 |
| Goliad, Texas | 4 | $ 1,210,000 | $ 302,500 | $ 149,000 |
| Lincoln, Colorado | 3 | $ 905,000 | $ 301,666 | $ 448,000 |
| Summit, Colorado | 3 | $ 2,785,000 | $ 928,333 | $ 286,000 |
| Teller, Colorado | 3 | $ 1,665,000 | $ 555,000 | $ 163,000 |
| Miami-Dade, Florida | 3 | $ 1,225,000 | $ 408,333 | $ 172,000 |
| Seminole, Florida | 3 | $ 855,000 | $ 285,000 | $ 158,000 |
| Bell, Texas | 3 | $ 845,000 | $ 281,666 | $ 120,000 |
| Harris, Texas | 3 | $ 1,135,000 | $ 378,333 | $ 199,000 |
| Matagorda, Texas | 3 | $ 1,035,000 | $ 345,000 | $ 164,000 |
| Laramie, Wyoming | 3 | $ 1,175,000 | $ 391,666 | $ 129,000 |
| Cheyenne, Colorado | 2 | $ 190,000 | $ 95,000 | $ 24,000 |
| Logan, Colorado | 2 | $ 250,000 | $ 125,000 | $ 66,000 |
| Saguache, Colorado | 2 | $ 650,000 | $ 325,000 | $ 329,000 |
| Citrus, Florida | 2 | $ 600,000 | $ 300,000 | $ 96,000 |
| Lake, Florida | 2 | $ 660,000 | $ 330,000 | $ 102,000 |
| Orange, Florida | 2 | $ 680,000 | $ 340,000 | $ 101,000 |
| Osceola, Florida | 2 | $ 850,000 | $ 425,000 | $ 90,000 |
| Pinellas, Florida | 2 | $ 500,000 | $ 250,000 | $ 90,000 |
| Catawba, North Carolina | 2 | $ 540,000 | $ 270,000 | $ 75,000 |
| Guilford, North Carolina | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Wake, North Carolina | 2 | $ 1,660,000 | $ 830,000 | $ 455,000 |
| Orangeburg, South Carolina | 2 | $ 550,000 | $ 275,000 | $ 96,000 |
| Sumner, Tennessee | 2 | $ 1,440,000 | $ 720,000 | $ 123,000 |
| Dallas, Texas | 2 | $ 600,000 | $ 300,000 | $ 62,000 |
| Guadalupe, Texas | 2 | $ 570,000 | $ 285,000 | $ 68,000 |
| Jackson, Texas | 2 | $ 500,000 | $ 250,000 | $ 107,000 |
| Johnson, Texas | 2 | $ 570,000 | $ 285,000 | $ 0 |
| McLennan, Texas | 2 | $ 540,000 | $ 270,000 | $ 132,000 |
| Midland, Texas | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Refugio, Texas | 2 | $ 490,000 | $ 245,000 | $ 164,000 |
| San Patricio, Texas | 2 | $ 730,000 | $ 365,000 | $ 77,000 |
| Tarrant, Texas | 2 | $ 550,000 | $ 275,000 | $ 117,000 |
| Whatcom, Washington | 2 | $ 990,000 | $ 495,000 | $ 93,000 |
| Coconino, Arizona | 1 | $ 575,000 | $ 575,000 | $ 108,000 |
| Yuma, Arizona | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Clear Creek, Colorado | 1 | $ 665,000 | $ 665,000 | $ 173,000 |
| Huerfano, Colorado | 1 | $ 645,000 | $ 645,000 | $ 171,000 |
| Kit Carson, Colorado | 1 | $ 285,000 | $ 285,000 | $ 110,000 |
| La Plata, Colorado | 1 | $ 255,000 | $ 255,000 | $ 61,000 |
| Las Animas, Colorado | 1 | $ 205,000 | $ 205,000 | $ 98,000 |
| Charlotte, Florida | 1 | $ 375,000 | $ 375,000 | $ 108,000 |
| Collier, Florida | 1 | $ 375,000 | $ 375,000 | $ 95,000 |
| Sarasota, Florida | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Adams, Nebraska | 1 | $ 85,000 | $ 85,000 | $ 222,000 |
| Hamilton, Nebraska | 1 | $ 485,000 | $ 485,000 | $ 300,000 |
| Scotts Bluff, Nebraska | 1 | $ 175,000 | $ 175,000 | $ 100,000 |
| Alamance, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 122,000 |
| Brunswick, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 74,000 |
| Florence, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 75,000 |
| Greenville, South Carolina | 1 | $ 685,000 | $ 685,000 | $ 242,000 |
| Horry, South Carolina | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| Lexington, South Carolina | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Spartanburg, South Carolina | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Wilson, Tennessee | 1 | $ 625,000 | $ 625,000 | $ 138,000 |
| Bee, Texas | 1 | $ 245,000 | $ 245,000 | $ 103,000 |
| Bexar, Texas | 1 | $ 315,000 | $ 315,000 | $ 0 |
| El Paso, Texas | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 155,000 | $ 155,000 | $ 123,000 |
| Frio, Texas | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Gray, Texas | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Hall, Texas | 1 | $ 135,000 | $ 135,000 | $ 70,000 |
| Harrison, Texas | 1 | $ 355,000 | $ 355,000 | $ 296,000 |
| Karnes, Texas | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| Kaufman, Texas | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Lavaca, Texas | 1 | $ 245,000 | $ 245,000 | $ 132,000 |
| Milam, Texas | 1 | $ 175,000 | $ 175,000 | $ 101,000 |
| Montgomery, Texas | 1 | $ 345,000 | $ 345,000 | $ 132,000 |
| Randall, Texas | 1 | $ 215,000 | $ 215,000 | $ 119,000 |
| Smith, Texas | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Sutton, Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Travis, Texas | 1 | $ 205,000 | $ 205,000 | $ 72,000 |
| Benton, Washington | 1 | $ 395,000 | $ 395,000 | $ 135,000 |
| Clallam, Washington | 1 | $ 515,000 | $ 515,000 | $ 206,000 |
| Pierce, Washington | 1 | $ 475,000 | $ 475,000 | $ 135,000 |
| Snohomish, Washington | 1 | $ 535,000 | $ 535,000 | $ 130,000 |
| Washington, Wisconsin | 1 | $ 235,000 | $ 235,000 | $ 62,000 |
| Natrona, Wyoming | 1 | $ 265,000 | $ 265,000 | $ 190,000 |
Mortgage Loan Application Detail Totals for American Liberty Mortgage Inco in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 573 | $209,495,000 | $365,000 | $1,495,000 | $155,000 | $8,330,000 |
| Refinancing | 150 | $65,450,000 | $436,000 | $2,135,000 | $178,000 | $3,443,000 |
| Cash-out Refinancing | 48 | $15,170,000 | $316,000 | $1,325,000 | $115,000 | $483,000 |
| Other Purpose | 2 | $80,000 | $40,000 | $65,000 | $116,000 | $134,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 452 | $174,780,000 | $386,000 | $1,865,000 | $143,000 | $1,246,000 |
| Not Provided | 183 | $71,675,000 | $391,000 | $1,115,000 | $136,000 | $523,000 |
| Hispanic | 103 | $31,655,000 | $307,000 | $2,135,000 | $242,000 | $8,330,000 |
| Black or African American | 20 | $4,930,000 | $246,000 | $535,000 | $111,000 | $355,000 |
| Asian | 10 | $4,320,000 | $432,000 | $595,000 | $214,000 | $482,000 |
| American Indian or Alaskan Native | 5 | $2,835,000 | $567,000 | $645,000 | $148,000 | $171,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 416 | $164,090,000 | $394,000 | $2,135,000 | $169,000 | $3,443,000 |
| FHA-insured (Federal Housing Administration) | 286 | $93,270,000 | $326,000 | $855,000 | $137,000 | $8,330,000 |
| VA-guaranteed (Veterans Administration) | 69 | $32,475,000 | $470,000 | $1,495,000 | $146,000 | $586,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $360,000 | $180,000 | $205,000 | $87,000 | $109,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 507 | $196,925,000 | $388,000 | $2,135,000 | $169,000 | $8,330,000 |
| Application Withdrawn By Applicant | 224 | $77,600,000 | $346,000 | $865,000 | $127,000 | $482,000 |
| Application Approved But Not Accepted | 18 | $7,560,000 | $420,000 | $985,000 | $155,000 | $360,000 |
| Application Denied By Financial Institution | 18 | $5,150,000 | $286,000 | $565,000 | $101,000 | $320,000 |
| File Closed For Incompleteness | 6 | $2,960,000 | $493,000 | $1,095,000 | $186,000 | $323,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 755 | $285,045,000 | $377,000 | $2,135,000 | $157,000 | $8,330,000 |
| Collateral | 7 | $1,685,000 | $240,000 | $565,000 | $85,000 | $231,000 |
| Debt-To-Income Ratio | 3 | $1,165,000 | $388,000 | $555,000 | $97,000 | $128,000 |
| Employment History | 3 | $1,075,000 | $358,000 | $505,000 | $185,000 | $320,000 |
| Credit History | 2 | $510,000 | $255,000 | $375,000 | $78,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $375,000 | $375,000 | $375,000 | $132,000 | $132,000 |
| Mortgage Insurance Denied | 1 | $145,000 | $145,000 | $145,000 | $44,000 | $44,000 |
| Credit Application Incomplete | 1 | $195,000 | $195,000 | $195,000 | $43,000 | $43,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Liberty Mortgage Inco's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess American Liberty Mortgage Inco's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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