First Liberty Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
First Liberty Bank 2023 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 | 292 |
| Total Mortgage Loan Application Amount | $80,140,000 |
| Average Mortgage Loan Application Amount | $214,800 |
| Highest Mortgage Loan Application Amount | $5,025,000 |
| Average Applicant Income | $164,800 |
| Highest Applicant Income | $2,100,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 117 | $ 31,725,000 | $ 271,000 | $ 265,000 |
| Cleveland County Oklahoma | 51 | $ 11,065,000 | $ 216,000 | $ 175,000 |
| Canadian County Oklahoma | 30 | $ 6,880,000 | $ 229,000 | $ 131,000 |
| Grady County Oklahoma | 9 | $ 1,915,000 | $ 212,000 | $ 130,000 |
| Dallas County Texas | 7 | $ 2,435,000 | $ 347,000 | $ 119,000 |
| Pottawatomie County Oklahoma | 6 | $ 830,000 | $ 138,000 | $ 270,000 |
| Logan County Oklahoma | 5 | $ 2,195,000 | $ 439,000 | $ 194,000 |
| Tarrant County Texas | 5 | $ 1,115,000 | $ 223,000 | $ 248,000 |
| Jackson County Oklahoma | 4 | $ 140,000 | $ 35,000 | $ 17,000 |
| Collin County Texas | 4 | $ 2,850,000 | $ 712,000 | $ 392,000 |
| Tulsa County Oklahoma | 3 | $ 765,000 | $ 255,000 | $ 273,000 |
| Hunt County Texas | 3 | $ 975,000 | $ 325,000 | $ 195,000 |
| Miller County Arkansas | 2 | $ 370,000 | $ 185,000 | $ 86,000 |
| Escambia County Florida | 2 | $ 490,000 | $ 245,000 | $ 96,000 |
| Polk County Florida | 2 | $ 520,000 | $ 260,000 | $ 66,000 |
| Sandoval County New Mexico | 2 | $ 650,000 | $ 325,000 | $ 76,000 |
| McClain County Oklahoma | 2 | $ 680,000 | $ 340,000 | $ 336,000 |
| McCurtain County Oklahoma | 2 | $ 1,790,000 | $ 895,000 | $ 0 |
| Roger Mills County Oklahoma | 2 | $ 140,000 | $ 70,000 | $ 95,000 |
| Denton County Texas | 2 | $ 1,060,000 | $ 530,000 | $ 194,000 |
| Grayson County Texas | 2 | $ 220,000 | $ 110,000 | $ 70,000 |
| Johnson County Texas | 2 | $ 1,450,000 | $ 725,000 | $ 139,000 |
| Webb County Texas | 2 | $ 240,000 | $ 120,000 | $ 103,000 |
| Benton County Arkansas | 1 | $ 625,000 | $ 625,000 | $ 592,000 |
| Brevard County Florida | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| Lake County Florida | 1 | $ 415,000 | $ 415,000 | $ 152,000 |
| Gibson County Indiana | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Lewis and Clark County Montana | 1 | $ 615,000 | $ 615,000 | $ 153,000 |
| Douglas County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 209,000 |
| Bryan County Oklahoma | 1 | $ 395,000 | $ 395,000 | $ 100,000 |
| Carter County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 181,000 |
| Delaware County Oklahoma | 1 | $ 725,000 | $ 725,000 | $ 219,000 |
| Garvin County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Noble County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 590,000 |
| Osage County Oklahoma | 1 | $ 165,000 | $ 165,000 | $ 114,000 |
| Payne County Oklahoma | 1 | $ 525,000 | $ 525,000 | $ 161,000 |
| Pontotoc County Oklahoma | 1 | $ 325,000 | $ 325,000 | $ 240,000 |
| Shelby County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Brazos County Texas | 1 | $ 535,000 | $ 535,000 | $ 263,000 |
| Comal County Texas | 1 | $ 1,085,000 | $ 1,085,000 | $ 240,000 |
| Ellis County Texas | 1 | $ 355,000 | $ 355,000 | $ 157,000 |
| Hamilton County Texas | 1 | $ 65,000 | $ 65,000 | $ 96,000 |
| Harris County Texas | 1 | $ 135,000 | $ 135,000 | $ 41,000 |
| Kaufman County Texas | 1 | $ 495,000 | $ 495,000 | $ 193,000 |
| McLennan County Texas | 1 | $ 225,000 | $ 225,000 | $ 595,000 |
| Montgomery County Texas | 1 | $ 565,000 | $ 565,000 | $ 190,000 |
| Parker County Texas | 1 | $ 325,000 | $ 325,000 | $ 168,000 |
| Taylor County Texas | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
| Victoria County Texas | 1 | $ 905,000 | $ 905,000 | $ 300,000 |
Mortgage Loan Application Detail Totals for First Liberty Bank in 2023
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 | 249 | $70,715,000 | $283,000 | $5,025,000 | $200,000 | $2,100,000 |
| Cash-out Refinancing | 25 | $5,115,000 | $204,000 | $725,000 | $145,000 | $790,000 |
| Refinancing | 9 | $1,825,000 | $202,000 | $635,000 | $155,000 | $516,000 |
| Other Purpose | 8 | $2,400,000 | $300,000 | $1,085,000 | $324,000 | $1,401,000 |
| Home Improvement | 1 | $85,000 | $85,000 | $85,000 | $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 | 137 | $36,815,000 | $268,000 | $1,215,000 | $188,000 | $1,846,000 |
| Not applicable | 67 | $15,095,000 | $225,000 | $5,025,000 | $0 | $0 |
| Hispanic | 23 | $5,925,000 | $257,000 | $905,000 | $146,000 | $595,000 |
| Not Provided | 19 | $7,215,000 | $379,000 | $765,000 | $230,000 | $960,000 |
| Asian | 18 | $6,640,000 | $368,000 | $1,485,000 | $267,000 | $790,000 |
| Black or African American | 17 | $4,835,000 | $284,000 | $725,000 | $217,000 | $2,100,000 |
| American Indian or Alaskan Native | 10 | $2,610,000 | $261,000 | $625,000 | $208,000 | $592,000 |
| 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) | 257 | $71,105,000 | $276,000 | $5,025,000 | $216,000 | $2,100,000 |
| FHA-insured (Federal Housing Administration) | 26 | $6,680,000 | $256,000 | $415,000 | $96,000 | $267,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,355,000 | $261,000 | $425,000 | $94,000 | $149,000 |
| 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 | 200 | $52,010,000 | $260,000 | $5,025,000 | $198,000 | $1,846,000 |
| Application Withdrawn By Applicant | 44 | $15,900,000 | $361,000 | $1,485,000 | $186,000 | $779,000 |
| Application Denied By Financial Institution | 33 | $8,585,000 | $260,000 | $765,000 | $215,000 | $2,100,000 |
| Application Approved But Not Accepted | 14 | $3,330,000 | $237,000 | $625,000 | $151,000 | $592,000 |
| File Closed For Incompleteness | 1 | $315,000 | $315,000 | $315,000 | $330,000 | $330,000 |
| 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 | 259 | $71,555,000 | $276,000 | $5,025,000 | $194,000 | $1,846,000 |
| Debt-To-Income Ratio | 13 | $5,425,000 | $417,000 | $765,000 | $202,000 | $960,000 |
| Credit History | 12 | $2,230,000 | $185,000 | $575,000 | $346,000 | $2,100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $565,000 | $113,000 | $255,000 | $56,000 | $141,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $1,000 | $1,000 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $135,000 | $135,000 | $135,000 | $41,000 | $41,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Liberty Bank's 2023 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.