Liberty Federal Credit Union Mortgage Lending & HMDA Data, 2025
In 2025, Liberty Federal Credit Union of Louisville, KY reported 7,696 mortgage applications totaling $2.3 billion, up 26% from 2024. The average application was for $296,722, and applicants reported an average income of $176,437. 78% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Evansville, IN-KY (1,559), Owensboro, KY (843) and Nashville-Davidson--Murfreesboro--Franklin, TN (632) (applications in parentheses).
| Mortgage Company & Address | Liberty Federal Credit Union 9520 Ormsby Station Rd Suite 20 Louisville, KY 40223 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 7,696 |
| Total Mortgage Loan Application Amount | $2,283,580,000 |
| Average Mortgage Loan Application Amount | $296,722 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $176,437 |
| Highest Applicant Income | $8,828,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Liberty Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 1,901 | $ 428,455,000 | $ 225,384 | $ 145,418 |
| Evansville, IN-KY | 1,559 | $ 265,965,000 | $ 170,599 | $ 117,000 |
| Owensboro, KY | 843 | $ 149,025,000 | $ 176,779 | $ 113,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 632 | $ 285,510,000 | $ 451,756 | $ 281,000 |
| Louisville/Jefferson County, KY-IN | 495 | $ 165,715,000 | $ 334,777 | $ 185,656 |
| Bowling Green, KY | 256 | $ 66,320,000 | $ 259,062 | $ 127,000 |
| Atlanta-Sandy Springs-Roswell, GA | 141 | $ 48,815,000 | $ 346,205 | $ 194,000 |
| Cincinnati, OH-KY-IN | 121 | $ 38,585,000 | $ 318,884 | $ 147,719 |
| Jackson, MS | 115 | $ 30,945,000 | $ 269,086 | $ 122,000 |
| Denver-Aurora-Lakewood, CO | 100 | $ 62,500,000 | $ 625,000 | $ 388,000 |
| Pittsburgh, PA | 90 | $ 21,790,000 | $ 242,111 | $ 123,000 |
| Indianapolis-Carmel-Anderson, IN | 80 | $ 24,600,000 | $ 307,500 | $ 160,000 |
| Marietta, GA | 68 | $ 24,630,000 | $ 362,205 | $ 197,000 |
| Greenville-Anderson-Mauldin, SC | 66 | $ 28,380,000 | $ 430,000 | $ 213,000 |
| Charlotte-Concord-Gastonia, NC-SC | 60 | $ 45,850,000 | $ 764,166 | $ 327,933 |
| Richmond, VA | 58 | $ 14,180,000 | $ 244,482 | $ 140,000 |
| Colorado Springs, CO | 50 | $ 45,550,000 | $ 911,000 | $ 344,000 |
| North Port-Sarasota-Bradenton, FL | 50 | $ 26,070,000 | $ 521,400 | $ 266,000 |
| Tampa, FL | 44 | $ 19,230,000 | $ 437,045 | $ 327,000 |
| Cape Coral-Fort Myers, FL | 42 | $ 17,910,000 | $ 426,428 | $ 234,000 |
| San Antonio-New Braunfels, TX | 36 | $ 13,610,000 | $ 378,055 | $ 250,000 |
| Birmingham-Hoover, AL | 34 | $ 9,630,000 | $ 283,235 | $ 148,000 |
| Knoxville, TN | 33 | $ 13,765,000 | $ 417,121 | $ 181,000 |
| St. Petersburg-Clearwater-Largo, FL | 30 | $ 28,460,000 | $ 948,666 | $ 408,000 |
| Lexington-Fayette, KY | 27 | $ 9,115,000 | $ 337,592 | $ 194,000 |
| Orlando-Kissimmee-Sanford, FL | 26 | $ 14,880,000 | $ 572,307 | $ 316,000 |
| Arlington-Alexandria-Reston, VA-WV | 25 | $ 8,325,000 | $ 333,000 | $ 206,000 |
| Chattanooga, TN-GA | 23 | $ 7,335,000 | $ 318,913 | $ 163,521 |
| Clarksville, TN-KY | 21 | $ 7,175,000 | $ 341,666 | $ 159,571 |
| Dallas-Plano-Irving, TX | 20 | $ 5,710,000 | $ 285,500 | $ 279,000 |
| Phoenix-Mesa-Scottsdale, AZ | 18 | $ 16,480,000 | $ 915,555 | $ 531,000 |
| Terre Haute, IN | 18 | $ 2,180,000 | $ 121,111 | $ 120,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 18 | $ 13,520,000 | $ 751,111 | $ 358,000 |
| Crestview-Fort Walton Beach-Destin, FL | 17 | $ 20,515,000 | $ 1,206,764 | $ 983,000 |
| Houston-The Woodlands-Sugar Land, TX | 17 | $ 20,545,000 | $ 1,208,529 | $ 497,000 |
| Los Angeles-Long Beach-Glendale, CA | 14 | $ 18,850,000 | $ 1,346,428 | $ 738,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 13 | $ 4,475,000 | $ 344,230 | $ 242,000 |
| Jacksonville, FL | 12 | $ 6,380,000 | $ 531,666 | $ 336,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 12 | $ 2,980,000 | $ 248,333 | $ 178,000 |
| St. Louis, MO-IL | 12 | $ 3,640,000 | $ 303,333 | $ 189,250 |
| Durham-Chapel Hill, NC | 11 | $ 4,025,000 | $ 365,909 | $ 226,000 |
| Naples-Immokalee-Marco Island, FL | 11 | $ 8,915,000 | $ 810,454 | $ 858,000 |
| Memphis, TN-MS-AR | 10 | $ 1,720,000 | $ 172,000 | $ 116,400 |
| Wilmington, NC | 10 | $ 6,140,000 | $ 614,000 | $ 307,000 |
| Anaheim-Santa Ana-Irvine, CA | 9 | $ 13,595,000 | $ 1,510,555 | $ 547,000 |
| Baltimore-Columbia-Towson, MD | 9 | $ 3,415,000 | $ 379,444 | $ 298,000 |
| Huntington-Ashland, WV-KY-OH | 9 | $ 1,825,000 | $ 202,777 | $ 92,444 |
| Huntsville, AL | 9 | $ 3,415,000 | $ 379,444 | $ 180,000 |
| San Diego-Carlsbad, CA | 9 | $ 8,955,000 | $ 995,000 | $ 405,000 |
| Asheville, NC | 8 | $ 2,430,000 | $ 303,750 | $ 168,000 |
| Athens-Clarke County, GA | 8 | $ 590,000 | $ 73,750 | $ 118,000 |
| Bloomington, IN | 8 | $ 2,860,000 | $ 357,500 | $ 236,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 8 | $ 1,700,000 | $ 212,500 | $ 316,000 |
| Raleigh, NC | 8 | $ 3,020,000 | $ 377,500 | $ 260,000 |
| Columbus, OH | 7 | $ 5,005,000 | $ 715,000 | $ 291,000 |
| Dayton-Springfield-Kettering, OH | 7 | $ 5,205,000 | $ 743,571 | $ 291,000 |
| Fort Collins, CO | 7 | $ 3,175,000 | $ 453,571 | $ 428,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 7 | $ 5,585,000 | $ 797,857 | $ 460,000 |
| Grand Junction, CO | 7 | $ 5,725,000 | $ 817,857 | $ 369,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 4,605,000 | $ 657,857 | $ 560,714 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 4,645,000 | $ 663,571 | $ 253,000 |
| Rome, GA | 7 | $ 2,935,000 | $ 419,285 | $ 127,000 |
| Spartanburg, SC | 7 | $ 2,075,000 | $ 296,428 | $ 160,000 |
| Boulder, CO | 6 | $ 5,130,000 | $ 855,000 | $ 434,000 |
| Fort Wayne, IN | 6 | $ 1,270,000 | $ 211,666 | $ 68,000 |
| Fort Worth-Arlington, TX | 6 | $ 2,420,000 | $ 403,333 | $ 250,000 |
| Greeley, CO | 6 | $ 1,940,000 | $ 323,333 | $ 265,000 |
| Austin-Round Rock, TX | 5 | $ 4,725,000 | $ 945,000 | $ 432,000 |
| Johnson City, TN | 5 | $ 1,675,000 | $ 335,000 | $ 115,000 |
| Montgomery County-Bucks County-Chester County, PA | 5 | $ 2,565,000 | $ 513,000 | $ 443,000 |
| Morristown, TN | 5 | $ 3,085,000 | $ 617,000 | $ 163,000 |
| Paducah, KY-IL | 5 | $ 885,000 | $ 177,000 | $ 130,000 |
| Panama City, FL | 5 | $ 2,025,000 | $ 405,000 | $ 246,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 4,225,000 | $ 845,000 | $ 313,000 |
| Anniston-Oxford-Jacksonville, AL | 4 | $ 950,000 | $ 237,500 | $ 116,000 |
| Brownsville-Harlingen, TX | 4 | $ 2,020,000 | $ 505,000 | $ 216,000 |
| Elizabethtown-Fort Knox, KY | 4 | $ 1,720,000 | $ 430,000 | $ 224,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 4 | $ 2,050,000 | $ 512,500 | $ 196,000 |
| Gulfport-Biloxi-Pascagoula, MS | 4 | $ 740,000 | $ 185,000 | $ 112,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 2,220,000 | $ 555,000 | $ 259,000 |
| Kansas City, MO-KS | 4 | $ 1,350,000 | $ 337,500 | $ 592,000 |
| Lake County-Porter County-Jasper County, IN | 4 | $ 600,000 | $ 150,000 | $ 87,000 |
| Lynchburg, VA | 4 | $ 940,000 | $ 235,000 | $ 117,000 |
| Macon-Bibb County, GA | 4 | $ 1,200,000 | $ 300,000 | $ 110,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 4,090,000 | $ 1,022,500 | $ 351,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 2,270,000 | $ 567,500 | $ 336,500 |
| Savannah, GA | 4 | $ 3,820,000 | $ 955,000 | $ 332,000 |
| Tuscaloosa, AL | 4 | $ 970,000 | $ 242,500 | $ 180,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 3,310,000 | $ 827,500 | $ 1,123,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 925,000 | $ 308,333 | $ 147,000 |
| Auburn-Opelika, AL | 3 | $ 655,000 | $ 218,333 | $ 142,000 |
| Chambersburg-Waynesboro, PA | 3 | $ 2,715,000 | $ 905,000 | $ 352,000 |
| Charlottesville, VA | 3 | $ 1,075,000 | $ 358,333 | $ 120,000 |
| Cleveland, OH | 3 | $ 625,000 | $ 208,333 | $ 224,000 |
| Cleveland, TN | 3 | $ 945,000 | $ 315,000 | $ 117,000 |
| Columbus, GA-AL | 3 | $ 805,000 | $ 268,333 | $ 184,333 |
| Dalton, GA | 3 | $ 1,065,000 | $ 355,000 | $ 123,000 |
| Florence-Muscle Shoals, AL | 3 | $ 535,000 | $ 178,333 | $ 80,000 |
| Greensboro-High Point, NC | 3 | $ 2,335,000 | $ 778,333 | $ 414,000 |
| Hattiesburg, MS | 3 | $ 435,000 | $ 145,000 | $ 69,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 2,745,000 | $ 915,000 | $ 86,000 |
| Muncie, IN | 3 | $ 285,000 | $ 95,000 | $ 644,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 1,095,000 | $ 365,000 | $ 146,000 |
| Punta Gorda, FL | 3 | $ 1,245,000 | $ 415,000 | $ 137,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,315,000 | $ 438,333 | $ 178,000 |
| Salt Lake City, UT | 3 | $ 1,625,000 | $ 541,666 | $ 327,000 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 4,425,000 | $ 1,475,000 | $ 442,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 1,995,000 | $ 665,000 | $ 548,000 |
| Springfield, MO | 3 | $ 1,435,000 | $ 478,333 | $ 181,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 1,395,000 | $ 465,000 | $ 229,000 |
| Winston-Salem, NC | 3 | $ 2,455,000 | $ 818,333 | $ 378,000 |
| Akron, OH | 2 | $ 920,000 | $ 460,000 | $ 337,000 |
| Bend-Redmond, OR | 2 | $ 1,630,000 | $ 815,000 | $ 508,000 |
| Bloomington, IL | 2 | $ 390,000 | $ 195,000 | $ 255,000 |
| Burlington, NC | 2 | $ 950,000 | $ 475,000 | $ 202,000 |
| Champaign-Urbana, IL | 2 | $ 680,000 | $ 340,000 | $ 179,000 |
| Charleston-North Charleston, SC | 2 | $ 590,000 | $ 295,000 | $ 232,000 |
| Cheyenne, WY | 2 | $ 680,000 | $ 340,000 | $ 124,000 |
| Chicago-Naperville, IL | 2 | $ 760,000 | $ 380,000 | $ 293,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 390,000 | $ 195,000 | $ 282,000 |
| Decatur, AL | 2 | $ 250,000 | $ 125,000 | $ 84,000 |
| Elgin, IL | 2 | $ 250,000 | $ 125,000 | $ 122,000 |
| Gainesville, GA | 2 | $ 1,210,000 | $ 605,000 | $ 187,000 |
| Greenville, NC | 2 | $ 1,520,000 | $ 760,000 | $ 322,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 2,570,000 | $ 1,285,000 | $ 487,000 |
| Homosassa Springs, FL | 2 | $ 510,000 | $ 255,000 | $ 82,000 |
| Jackson, TN | 2 | $ 540,000 | $ 270,000 | $ 221,000 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 520,000 | $ 260,000 | $ 159,000 |
| Lexington Park, MD | 2 | $ 100,000 | $ 50,000 | $ 110,000 |
| Lincoln, NE | 2 | $ 400,000 | $ 200,000 | $ 220,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 520,000 | $ 260,000 | $ 435,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,170,000 | $ 585,000 | $ 329,000 |
| Ocala, FL | 2 | $ 200,000 | $ 100,000 | $ 54,000 |
| Ogden-Clearfield, UT | 2 | $ 2,110,000 | $ 1,055,000 | $ 478,000 |
| Oklahoma City, OK | 2 | $ 500,000 | $ 250,000 | $ 103,000 |
| Pinehurst-Southern Pines, NC | 2 | $ 910,000 | $ 455,000 | $ 280,000 |
| Port St. Lucie, FL | 2 | $ 630,000 | $ 315,000 | $ 173,000 |
| Sandusky, OH | 2 | $ 450,000 | $ 225,000 | $ 200,000 |
| Tulsa, OK | 2 | $ 730,000 | $ 365,000 | $ 149,000 |
| Washington, DC-MD | 2 | $ 760,000 | $ 380,000 | $ 129,000 |
| Washington-Baltimore-Arlington, DC | 2 | $ 1,120,000 | $ 560,000 | $ 201,000 |
| Weirton-Steubenville, WV-OH | 2 | $ 210,000 | $ 105,000 | $ 140,000 |
| Winchester, VA-WV | 2 | $ 870,000 | $ 435,000 | $ 312,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 495,000 | $ 495,000 | $ 205,000 |
| Bakersfield, CA | 1 | $ 525,000 | $ 525,000 | $ 190,000 |
| Baton Rouge, LA | 1 | $ 135,000 | $ 135,000 | $ 124,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 105,000 | $ 105,000 | $ 225,000 |
| Boise City, ID | 1 | $ 545,000 | $ 545,000 | $ 300,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 925,000 | $ 925,000 | $ 332,000 |
| Camden, NJ | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Canton-Massillon, OH | 1 | $ 85,000 | $ 85,000 | $ 155,000 |
| College Station-Bryan, TX | 1 | $ 835,000 | $ 835,000 | $ 369,000 |
| Columbus, IN | 1 | $ 265,000 | $ 265,000 | $ 88,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 245,000 | $ 245,000 | $ 115,000 |
| Decatur, IL | 1 | $ 125,000 | $ 125,000 | $ 143,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 125,000 | $ 125,000 | $ 115,000 |
| El Paso, TX | 1 | $ 475,000 | $ 475,000 | $ 174,000 |
| Everett, WA | 1 | $ 95,000 | $ 95,000 | $ 137,000 |
| Fayetteville, NC | 1 | $ 1,155,000 | $ 1,155,000 | $ 587,000 |
| Fond Du Lac, WI | 1 | $ 245,000 | $ 245,000 | $ 91,000 |
| Gadsden, AL | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Hanford-Corcoran, CA | 1 | $ 405,000 | $ 405,000 | $ 502,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 445,000 | $ 445,000 | $ 181,000 |
| Helena, MT | 1 | $ 925,000 | $ 925,000 | $ 293,000 |
| Jacksonville, NC | 1 | $ 1,615,000 | $ 1,615,000 | $ 354,000 |
| Kalamazoo-Portage, MI | 1 | $ 75,000 | $ 75,000 | $ 34,000 |
| Kokomo, IN | 1 | $ 55,000 | $ 55,000 | $ 22,000 |
| Lafayette-West Lafayette, IN | 1 | $ 185,000 | $ 185,000 | $ 156,000 |
| Lakeland-Winter Haven, FL | 1 | $ 25,000 | $ 25,000 | $ 16,000 |
| Longview, WA | 1 | $ 225,000 | $ 225,000 | $ 178,000 |
| Lubbock, TX | 1 | $ 225,000 | $ 225,000 | $ 95,000 |
| Michigan City-La Porte, IN | 1 | $ 75,000 | $ 75,000 | $ 101,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 315,000 | $ 315,000 | $ 147,000 |
| Monroe, MI | 1 | $ 355,000 | $ 355,000 | $ 180,000 |
| Montgomery, AL | 1 | $ 585,000 | $ 585,000 | $ 250,000 |
| Oshkosh-Neenah, WI | 1 | $ 305,000 | $ 305,000 | $ 115,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 255,000 | $ 255,000 | $ 737,000 |
| Peoria, IL | 1 | $ 615,000 | $ 615,000 | $ 234,000 |
| Philadelphia, PA | 1 | $ 955,000 | $ 955,000 | $ 440,000 |
| Pueblo, CO | 1 | $ 455,000 | $ 455,000 | $ 150,000 |
| Rapid City, SD | 1 | $ 825,000 | $ 825,000 | $ 647,000 |
| Redding, CA | 1 | $ 625,000 | $ 625,000 | $ 590,000 |
| Reno, NV | 1 | $ 855,000 | $ 855,000 | $ 312,000 |
| Roanoke, VA | 1 | $ 705,000 | $ 705,000 | $ 275,000 |
| Rocky Mount, NC | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Salem, OR | 1 | $ 295,000 | $ 295,000 | $ 192,000 |
| Salinas, CA | 1 | $ 2,035,000 | $ 2,035,000 | $ 615,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 245,000 | $ 245,000 | $ 40,000 |
| San Rafael, CA | 1 | $ 305,000 | $ 305,000 | $ 521,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 1,725,000 | $ 1,725,000 | $ 428,000 |
| Sebring, FL | 1 | $ 355,000 | $ 355,000 | $ 153,000 |
| Spokane-Spokane Valley, WA | 1 | $ 535,000 | $ 535,000 | $ 235,000 |
| St. Cloud, MN | 1 | $ 235,000 | $ 235,000 | $ 101,000 |
| Stockton-Lodi, CA | 1 | $ 655,000 | $ 655,000 | $ 177,000 |
| Toledo, OH | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Tucson, AZ | 1 | $ 495,000 | $ 495,000 | $ 302,000 |
| Tyler, TX | 1 | $ 965,000 | $ 965,000 | $ 556,000 |
| Urban Honolulu, HI | 1 | $ 1,605,000 | $ 1,605,000 | $ 422,000 |
| Valdosta, GA | 1 | $ 275,000 | $ 275,000 | $ 128,000 |
| Vallejo-Fairfield, CA | 1 | $ 195,000 | $ 195,000 | $ 182,000 |
| Warner Robins, GA | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Wichita, KS | 1 | $ 285,000 | $ 285,000 | $ 55,000 |
| Yuma, AZ | 1 | $ 315,000 | $ 315,000 | $ 1,022,000 |
Mortgage Loan Application Detail Totals for Liberty Federal Credit Union 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 | 4,494 | $1,659,230,000 | $369,000 | $6,365,000 | $179,000 | $8,828,000 |
| Cash-out Refinancing | 2,214 | $368,170,000 | $166,000 | $7,005,000 | $162,000 | $7,849,000 |
| Home Improvement | 604 | $66,440,000 | $110,000 | $2,005,000 | $141,000 | $1,385,000 |
| Refinancing | 382 | $189,530,000 | $496,000 | $5,445,000 | $286,000 | $7,849,000 |
| Not Applicable | 2 | $210,000 | $105,000 | $125,000 | $0 | $0 |
| Other Purpose | 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 | 6,390 | $1,769,000,000 | $276,000 | $7,005,000 | $161,000 | $5,789,000 |
| Not Provided | 434 | $206,560,000 | $475,000 | $5,445,000 | $343,000 | $7,849,000 |
| Black or African American | 327 | $90,985,000 | $278,000 | $1,505,000 | $154,000 | $1,123,000 |
| Hispanic | 237 | $74,145,000 | $312,000 | $2,005,000 | $218,000 | $8,828,000 |
| Asian | 204 | $92,120,000 | $451,000 | $5,385,000 | $282,000 | $5,040,000 |
| Not applicable | 76 | $43,160,000 | $567,000 | $2,955,000 | $0 | $0 |
| American Indian or Alaskan Native | 22 | $5,810,000 | $264,000 | $1,315,000 | $156,000 | $533,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,800,000 | $300,000 | $405,000 | $193,000 | $430,000 |
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) | 6,733 | $2,047,965,000 | $304,000 | $7,005,000 | $189,000 | $8,828,000 |
| FHA-insured (Federal Housing Administration) | 754 | $171,720,000 | $227,000 | $775,000 | $83,000 | $854,000 |
| VA-guaranteed (Veterans Administration) | 127 | $48,855,000 | $384,000 | $1,295,000 | $128,000 | $349,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 82 | $15,040,000 | $183,000 | $345,000 | $70,000 | $125,000 |
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 | 5,975 | $1,743,085,000 | $291,000 | $6,365,000 | $171,000 | $8,828,000 |
| Application Withdrawn By Applicant | 981 | $341,175,000 | $347,000 | $5,445,000 | $214,000 | $7,849,000 |
| Application Denied By Financial Institution | 469 | $106,855,000 | $227,000 | $7,005,000 | $136,000 | $1,330,000 |
| File Closed For Incompleteness | 218 | $72,160,000 | $331,000 | $4,985,000 | $202,000 | $5,040,000 |
| Application Approved But Not Accepted | 52 | $18,780,000 | $361,000 | $6,005,000 | $280,000 | $5,789,000 |
| Preapproval Denied by Financial Institution | 1 | $1,525,000 | $1,525,000 | $1,525,000 | $416,000 | $416,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 7,226 | $2,175,200,000 | $301,000 | $6,365,000 | $179,000 | $8,828,000 |
| Debt-To-Income Ratio | 171 | $37,625,000 | $220,000 | $1,615,000 | $104,000 | $640,000 |
| Credit History | 122 | $24,670,000 | $202,000 | $7,005,000 | $139,000 | $1,020,000 |
| Collateral | 117 | $26,185,000 | $223,000 | $1,605,000 | $164,000 | $1,047,000 |
| Other | 30 | $11,410,000 | $380,000 | $2,625,000 | $205,000 | $1,330,000 |
| Unverifiable Information | 19 | $6,265,000 | $329,000 | $1,225,000 | $162,000 | $720,000 |
| Employment History | 8 | $1,500,000 | $187,000 | $325,000 | $84,000 | $164,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $725,000 | $241,000 | $335,000 | $96,000 | $163,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Liberty Federal Credit Union'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 Liberty Federal Credit Union'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 Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.
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