First Liberty Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
First Liberty Bank 2022 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 | First Liberty Bank 9601 N May Ave Oklahoma City, OK 73120 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 |
| Total Number of Mortgage Applications | 470 |
| Total Mortgage Loan Application Amount | $130,660,000 |
| Average Mortgage Loan Application Amount | $312,200 |
| Highest Mortgage Loan Application Amount | $3,865,000 |
| Average Applicant Income | $279,800 |
| Highest Applicant Income | $3,335,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with First Liberty Bank. 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 First Liberty Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down First Liberty Bank'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 First Liberty Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by First Liberty Bank, 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 First Liberty Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Oklahoma County Oklahoma | 238 | $ 60,630,000 | $ 254,000 | $ 185,000 |
| Cleveland County Oklahoma | 81 | $ 23,665,000 | $ 292,000 | $ 128,000 |
| Canadian County Oklahoma | 54 | $ 12,200,000 | $ 225,000 | $ 114,000 |
| Logan County Oklahoma | 15 | $ 5,265,000 | $ 351,000 | $ 149,000 |
| Pottawatomie County Oklahoma | 10 | $ 1,770,000 | $ 177,000 | $ 150,000 |
| McClain County Oklahoma | 7 | $ 2,005,000 | $ 286,000 | $ 110,000 |
| Grady County Oklahoma | 6 | $ 1,150,000 | $ 191,000 | $ 91,000 |
| Tulsa County Oklahoma | 6 | $ 2,380,000 | $ 396,000 | $ 226,000 |
| Harris County Texas | 5 | $ 3,135,000 | $ 627,000 | $ 304,000 |
| Dallas County Texas | 4 | $ 4,730,000 | $ 1,182,000 | $ 901,000 |
| Creek County Oklahoma | 3 | $ 405,000 | $ 135,000 | $ 43,000 |
| Lake County Indiana | 2 | $ 220,000 | $ 110,000 | $ 148,000 |
| Carter County Oklahoma | 2 | $ 490,000 | $ 245,000 | $ 113,000 |
| Payne County Oklahoma | 2 | $ 250,000 | $ 125,000 | $ 57,000 |
| Davidson County Tennessee | 2 | $ 2,010,000 | $ 1,005,000 | $ 1,011,000 |
| Collin County Texas | 2 | $ 450,000 | $ 225,000 | $ 132,000 |
| Marinette County Wisconsin | 2 | $ 160,000 | $ 80,000 | $ 125,000 |
| Riverside County California | 1 | $ 415,000 | $ 415,000 | $ 166,000 |
| San Diego County California | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| La Plata County Colorado | 1 | $ 755,000 | $ 755,000 | $ 0 |
| Manatee County Florida | 1 | $ 435,000 | $ 435,000 | $ 284,000 |
| Pike County Georgia | 1 | $ 505,000 | $ 505,000 | $ 597,000 |
| Gibson County Indiana | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| St. Tammany County Louisiana | 1 | $ 615,000 | $ 615,000 | $ 180,000 |
| Blaine County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Comanche County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 23,000 |
| Delaware County Oklahoma | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Garfield County Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Garvin County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Kingfisher County Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
| Marshall County Oklahoma | 1 | $ 295,000 | $ 295,000 | $ 113,000 |
| Osage County Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Pawnee County Oklahoma | 1 | $ 265,000 | $ 265,000 | $ 105,000 |
| Pontotoc County Oklahoma | 1 | $ 345,000 | $ 345,000 | $ 68,000 |
| Rogers County Oklahoma | 1 | $ 435,000 | $ 435,000 | $ 116,000 |
| Sequoyah County Oklahoma | 1 | $ 515,000 | $ 515,000 | $ 137,000 |
| Stephens County Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 118,000 |
| Washington County Oklahoma | 1 | $ 75,000 | $ 75,000 | $ 133,000 |
| Washita County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 160,000 |
| Pennington County South Dakota | 1 | $ 325,000 | $ 325,000 | $ 66,000 |
| Williamson County Tennessee | 1 | $ 1,245,000 | $ 1,245,000 | $ 1,085,000 |
| Denton County Texas | 1 | $ 255,000 | $ 255,000 | $ 121,000 |
| El Paso County Texas | 1 | $ 195,000 | $ 195,000 | $ 165,000 |
| Guadalupe County Texas | 1 | $ 215,000 | $ 215,000 | $ 171,000 |
| Kaufman County Texas | 1 | $ 375,000 | $ 375,000 | $ 148,000 |
| Tarrant County Texas | 1 | $ 275,000 | $ 275,000 | $ 158,000 |
Mortgage Loan Application Detail Totals for First Liberty Bank in 2022
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 | 375 | $100,185,000 | $267,000 | $3,865,000 | $173,000 | $3,335,000 |
| Cash-out Refinancing | 45 | $11,975,000 | $266,000 | $2,015,000 | $151,000 | $720,000 |
| Refinancing | 43 | $17,065,000 | $396,000 | $3,765,000 | $170,000 | $560,000 |
| Home Improvement | 5 | $285,000 | $57,000 | $105,000 | $100,000 | $170,000 |
| Other Purpose | 2 | $1,150,000 | $575,000 | $1,005,000 | $805,000 | $938,000 |
| 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 | 240 | $72,460,000 | $301,000 | $3,865,000 | $198,000 | $3,335,000 |
| Not applicable | 100 | $22,420,000 | $224,000 | $3,765,000 | $0 | $0 |
| Not Provided | 36 | $10,330,000 | $286,000 | $645,000 | $125,000 | $381,000 |
| American Indian or Alaskan Native | 25 | $7,235,000 | $289,000 | $1,175,000 | $156,000 | $592,000 |
| Black or African American | 24 | $5,890,000 | $245,000 | $535,000 | $95,000 | $265,000 |
| Hispanic | 24 | $7,640,000 | $318,000 | $1,155,000 | $145,000 | $560,000 |
| Asian | 20 | $4,470,000 | $223,000 | $575,000 | $104,000 | $280,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 421 | $116,975,000 | $277,000 | $3,865,000 | $183,000 | $3,335,000 |
| FHA-insured (Federal Housing Administration) | 31 | $6,985,000 | $225,000 | $415,000 | $94,000 | $265,000 |
| VA-guaranteed (Veterans Administration) | 18 | $6,700,000 | $372,000 | $635,000 | $115,000 | $210,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 318 | $86,950,000 | $273,000 | $3,865,000 | $181,000 | $3,335,000 |
| Application Approved But Not Accepted | 89 | $26,305,000 | $295,000 | $1,175,000 | $165,000 | $1,197,000 |
| Application Withdrawn By Applicant | 36 | $11,970,000 | $332,000 | $2,015,000 | $160,000 | $720,000 |
| Application Denied By Financial Institution | 25 | $5,175,000 | $207,000 | $1,005,000 | $142,000 | $1,085,000 |
| File Closed For Incompleteness | 2 | $260,000 | $130,000 | $175,000 | $57,000 | $78,000 |
| 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 | 445 | $125,485,000 | $281,000 | $3,865,000 | $175,000 | $3,335,000 |
| Debt-To-Income Ratio | 13 | $2,585,000 | $198,000 | $575,000 | $88,000 | $279,000 |
| Employment History | 5 | $1,815,000 | $363,000 | $1,005,000 | $374,000 | $1,085,000 |
| Credit History | 4 | $490,000 | $122,000 | $185,000 | $91,000 | $160,000 |
| Collateral | 2 | $120,000 | $60,000 | $75,000 | $59,000 | $69,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $48,000 | $48,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Liberty Bank's 2022 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 First Liberty Bank'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 Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.