Liberty
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Liberty 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Liberty 9520 Ormsby Station Rd Suite 20 Evansville, IN 40223 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,820 |
| Total Mortgage Loan Application Amount | $272,331,000 |
| Average Mortgage Loan Application Amount | $89,000 |
| Highest Mortgage Loan Application Amount | $807,000 |
| Average Applicant Income | $72,666 |
| Highest Applicant Income | $675,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Liberty. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Liberty's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Liberty's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Liberty serves its applicants.
Each category highlights the total number of mortgage applications processed by Liberty, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Liberty's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Vanderburgh County Indiana | 1,214 | $ 113,637,000 | $ 93,000 | $ 71,000 |
| Warrick County Indiana | 343 | $ 45,458,000 | $ 132,000 | $ 93,000 |
| Daviess County Kentucky | 207 | $ 20,328,000 | $ 98,000 | $ 72,000 |
| Knox County Indiana | 206 | $ 15,230,000 | $ 73,000 | $ 65,000 |
| Gibson County Indiana | 187 | $ 17,264,000 | $ 92,000 | $ 63,000 |
| Posey County Indiana | 180 | $ 18,330,000 | $ 101,000 | $ 75,000 |
| Henderson County Kentucky | 162 | $ 15,246,000 | $ 94,000 | $ 65,000 |
| Spencer County Indiana | 35 | $ 3,562,000 | $ 101,000 | $ 69,000 |
| Daviess County Indiana | 26 | $ 2,837,000 | $ 109,000 | $ 57,000 |
| Ohio County Kentucky | 22 | $ 1,460,000 | $ 66,000 | $ 77,000 |
| Union County Kentucky | 22 | $ 1,578,000 | $ 71,000 | $ 67,000 |
| Lawrence County Illinois | 14 | $ 1,073,000 | $ 76,000 | $ 82,000 |
| Wabash County Illinois | 14 | $ 1,042,000 | $ 74,000 | $ 69,000 |
| Pike County Indiana | 11 | $ 745,000 | $ 67,000 | $ 79,000 |
| Sullivan County Indiana | 9 | $ 828,000 | $ 92,000 | $ 83,000 |
| Hancock County Kentucky | 8 | $ 1,041,000 | $ 130,000 | $ 67,000 |
| White County Illinois | 7 | $ 495,000 | $ 70,000 | $ 59,000 |
| Dubois County Indiana | 7 | $ 955,000 | $ 136,000 | $ 75,000 |
| Greene County Indiana | 7 | $ 733,000 | $ 104,000 | $ 68,000 |
| Webster County Kentucky | 7 | $ 623,000 | $ 89,000 | $ 84,000 |
| Perry County Indiana | 6 | $ 440,000 | $ 73,000 | $ 80,000 |
| Hopkins County Kentucky | 6 | $ 476,000 | $ 79,000 | $ 71,000 |
| McLean County Kentucky | 6 | $ 468,000 | $ 78,000 | $ 68,000 |
| Edwards County Illinois | 5 | $ 392,000 | $ 78,000 | $ 45,000 |
| Lyon County Kentucky | 4 | $ 425,000 | $ 106,000 | $ 122,000 |
| Muhlenberg County Kentucky | 4 | $ 215,000 | $ 53,000 | $ 75,000 |
| Gallatin County Illinois | 3 | $ 92,000 | $ 30,000 | $ 89,000 |
| Monroe County Indiana | 3 | $ 392,000 | $ 130,000 | $ 54,000 |
| Clark County Illinois | 2 | $ 135,000 | $ 67,000 | $ 122,000 |
| Marion County Illinois | 2 | $ 270,000 | $ 135,000 | $ 55,000 |
| Saline County Illinois | 2 | $ 43,000 | $ 21,000 | $ 80,000 |
| Hamilton County Indiana | 2 | $ 78,000 | $ 39,000 | $ 70,000 |
| Vigo County Indiana | 2 | $ 154,000 | $ 77,000 | $ 35,000 |
| Crawford County Illinois | 1 | $ 90,000 | $ 90,000 | $ 175,000 |
| Hamilton County Illinois | 1 | $ 60,000 | $ 60,000 | $ 68,000 |
| Madison County Illinois | 1 | $ 124,000 | $ 124,000 | $ 158,000 |
| Randolph County Illinois | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Richland County Illinois | 1 | $ 49,000 | $ 49,000 | $ 36,000 |
| Wayne County Illinois | 1 | $ 166,000 | $ 166,000 | $ 104,000 |
| Williamson County Illinois | 1 | $ 5,000 | $ 5,000 | $ 47,000 |
| Bartholomew County Indiana | 1 | $ 14,000 | $ 14,000 | $ 108,000 |
| Boone County Indiana | 1 | $ 340,000 | $ 340,000 | $ 418,000 |
| Clay County Indiana | 1 | $ 84,000 | $ 84,000 | $ 100,000 |
| Hendricks County Indiana | 1 | $ 109,000 | $ 109,000 | $ 77,000 |
| Marion County Indiana | 1 | $ 6,000 | $ 6,000 | $ 50,000 |
| Martin County Indiana | 1 | $ 52,000 | $ 52,000 | $ 55,000 |
| Tippecanoe County Indiana | 1 | $ 187,000 | $ 187,000 | $ 54,000 |
| Vermillion County Indiana | 1 | $ 10,000 | $ 10,000 | $ 28,000 |
| Caldwell County Kentucky | 1 | $ 26,000 | $ 26,000 | $ 24,000 |
| Crittenden County Kentucky | 1 | $ 4,000 | $ 4,000 | $ 34,000 |
| Fayette County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 62,000 |
| Jackson County Kentucky | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Jefferson County Kentucky | 1 | $ 250,000 | $ 250,000 | $ 250,000 |
| McCracken County Kentucky | 1 | $ 220,000 | $ 220,000 | $ 268,000 |
| Metcalfe County Kentucky | 1 | $ 42,000 | $ 42,000 | $ 18,000 |
| Warren County Kentucky | 1 | $ 248,000 | $ 248,000 | $ 50,000 |
| DeSoto County Mississippi | 1 | $ 208,000 | $ 208,000 | $ 125,000 |
| Northampton County Pennsylvania | 1 | $ 8,000 | $ 8,000 | $ 73,000 |
| Knox County Tennessee | 1 | $ 8,000 | $ 8,000 | $ 164,000 |
| Montgomery County Tennessee | 1 | $ 20,000 | $ 20,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for Liberty in 2015
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,302 | $132,444,000 | $101,000 | $807,000 | $74,000 | $425,000 |
| Home Purchase | 906 | $117,008,000 | $129,000 | $680,000 | $76,000 | $675,000 |
| Home Improvement | 612 | $22,879,000 | $37,000 | $415,000 | $68,000 | $275,000 |
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 | 2,582 | $251,221,000 | $97,000 | $680,000 | $72,000 | $644,000 |
| Not Provided | 113 | $5,500,000 | $48,000 | $250,000 | $70,000 | $191,000 |
| Black or African American | 51 | $4,732,000 | $92,000 | $358,000 | $75,000 | $360,000 |
| Asian | 33 | $7,030,000 | $213,000 | $807,000 | $162,000 | $675,000 |
| Hispanic | 20 | $2,131,000 | $106,000 | $279,000 | $81,000 | $274,000 |
| American Indian or Alaskan Native | 11 | $653,000 | $59,000 | $137,000 | $55,000 | $138,000 |
| Not applicable | 7 | $467,000 | $66,000 | $277,000 | $105,000 | $420,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $597,000 | $199,000 | $389,000 | $172,000 | $425,000 |
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) | 2,820 | $272,331,000 | $96,000 | $807,000 | $73,000 | $675,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,916 | $189,745,000 | $99,000 | $807,000 | $77,000 | $644,000 |
| Application Withdrawn By Applicant | 504 | $52,408,000 | $103,000 | $680,000 | $69,000 | $675,000 |
| Application Denied By Financial Institution | 400 | $30,178,000 | $75,000 | $510,000 | $58,000 | $345,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 270 | $17,400,000 | $64,000 | $238,000 | $55,000 | $186,000 |
| Debt-To-Income Ratio | 77 | $7,391,000 | $95,000 | $392,000 | $52,000 | $268,000 |
| Collateral | 31 | $3,761,000 | $121,000 | $510,000 | $95,000 | $345,000 |
| Employment History | 12 | $701,000 | $58,000 | $191,000 | $49,000 | $82,000 |
| Other | 5 | $438,000 | $87,000 | $248,000 | $69,000 | $132,000 |
| Unverifiable Information | 2 | $119,000 | $59,000 | $84,000 | $33,000 | $42,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $283,000 | $141,000 | $143,000 | $68,000 | $79,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $105,000 | $105,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty's 2015 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 Liberty'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.
For a list of all lenders in Indiana, download the full spreadsheet
with aggregated HMDA statistics today.