First Liberty Financial Group Mortgage Lending & HMDA Data, 2016

In 2016, First Liberty Financial Group of Louisville, KY reported 2,110 mortgage applications totaling $331.0 million. The average application was for $156,891, and applicants reported an average income of $68,836. 65% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (676), Owensboro, KY (303) and Nashville-Davidson--Murfreesboro--Franklin, TN (242) (applications in parentheses).

Mortgage Company & Address First Liberty Financial Group
9520 Ormsby Station Rd Suite 20
Louisville, KY 40223
Tel #: available with data download
Federal Regulator * available with data download
Years 2016  
Total Number of Mortgage Applications 2,110
Total Mortgage Loan Application Amount $331,041,000
Average Mortgage Loan Application Amount $156,891
Highest Mortgage Loan Application Amount $2,500,000
Average Applicant Income $68,836
Highest Applicant Income $2,477,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Liberty Financial Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for First Liberty Financial Group by County in 2016

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Kentucky 425 $ 72,601,000 $ 170,825 $ 71,000
Daviess, Kentucky 283 $ 36,757,000 $ 129,883 $ 58,000
Jefferson, Alabama 110 $ 14,069,000 $ 127,900 $ 72,000
Davidson, Tennessee 83 $ 16,125,000 $ 194,277 $ 68,000
St. Clair, Alabama 60 $ 5,784,000 $ 96,400 $ 51,000
Oldham, Kentucky 55 $ 15,326,000 $ 278,654 $ 89,000
Henderson, Kentucky 54 $ 6,349,000 $ 117,574 $ 57,000
Bullitt, Kentucky 51 $ 8,769,000 $ 171,941 $ 54,000
Warren, Kentucky 43 $ 6,767,000 $ 157,372 $ 62,000
Fayette, Kentucky 40 $ 6,646,000 $ 166,150 $ 65,000
Sumner, Tennessee 40 $ 7,428,000 $ 185,700 $ 75,000
Shelby, Kentucky 38 $ 5,719,000 $ 150,500 $ 57,000
Shelby, Alabama 36 $ 4,896,000 $ 136,000 $ 58,000
Montgomery, Tennessee 36 $ 4,819,000 $ 133,861 $ 56,000
Rutherford, Tennessee 36 $ 6,149,000 $ 170,805 $ 55,000
Logan, Kentucky 34 $ 3,876,000 $ 114,000 $ 52,000
Clark, Indiana 33 $ 4,951,000 $ 150,030 $ 53,000
Madison, Mississippi 29 $ 6,255,000 $ 215,689 $ 88,000
Wilson, Tennessee 29 $ 5,018,000 $ 173,034 $ 63,000
Spencer, Kentucky 28 $ 4,334,000 $ 154,785 $ 57,000
Rankin, Mississippi 27 $ 4,667,000 $ 172,851 $ 62,000
Talladega, Alabama 24 $ 2,274,000 $ 94,750 $ 62,000
Ohio, Kentucky 23 $ 2,421,000 $ 105,260 $ 47,000
Floyd, Indiana 22 $ 3,472,000 $ 157,818 $ 82,000
Hardin, Kentucky 18 $ 1,765,000 $ 98,055 $ 39,000
Jefferson, Indiana 17 $ 2,180,000 $ 128,235 $ 44,000
Hancock, Kentucky 14 $ 1,312,000 $ 93,714 $ 46,000
Robertson, Tennessee 14 $ 2,417,000 $ 172,642 $ 68,000
Maury, Tennessee 12 $ 2,347,000 $ 195,583 $ 72,000
Cheatham, Tennessee 11 $ 1,826,000 $ 166,000 $ 74,000
Calhoun, Alabama 10 $ 1,220,000 $ 122,000 $ 63,000
Simpson, Kentucky 10 $ 1,352,000 $ 135,200 $ 45,000
Hinds, Mississippi 10 $ 1,255,000 $ 125,500 $ 129,000
Williamson, Tennessee 10 $ 3,272,000 $ 327,200 $ 83,000
Tuscaloosa, Alabama 8 $ 1,838,000 $ 229,750 $ 292,000
Harrison, Indiana 8 $ 1,017,000 $ 127,125 $ 46,000
Grayson, Kentucky 8 $ 1,001,000 $ 125,125 $ 43,000
Henry, Kentucky 8 $ 1,198,000 $ 149,750 $ 61,000
Nelson, Kentucky 8 $ 902,000 $ 112,750 $ 51,000
Montgomery, Alabama 7 $ 667,000 $ 95,285 $ 51,000
Washington, Indiana 7 $ 851,000 $ 121,571 $ 57,000
Barren, Kentucky 7 $ 950,000 $ 135,714 $ 61,000
Kenton, Kentucky 7 $ 1,051,000 $ 150,142 $ 41,000
Meade, Kentucky 7 $ 973,000 $ 139,000 $ 46,000
Jackson, Indiana 6 $ 701,000 $ 116,833 $ 46,000
Allen, Kentucky 6 $ 745,000 $ 124,166 $ 76,000
McLean, Kentucky 6 $ 872,000 $ 145,333 $ 66,000
Scott, Kentucky 6 $ 801,000 $ 133,500 $ 52,000
Madison, Alabama 5 $ 848,000 $ 169,600 $ 76,000
Tallapoosa, Alabama 5 $ 323,000 $ 64,600 $ 27,000
Boone, Kentucky 5 $ 878,000 $ 175,600 $ 27,000
Breckinridge, Kentucky 5 $ 362,000 $ 72,400 $ 82,000
Clark, Kentucky 5 $ 728,000 $ 145,600 $ 58,000
Madison, Kentucky 5 $ 1,249,000 $ 249,800 $ 57,000
Shelby, Tennessee 5 $ 1,107,000 $ 221,400 $ 97,000
Blount, Alabama 4 $ 1,135,000 $ 283,750 $ 53,000
Warrick, Indiana 4 $ 711,000 $ 177,750 $ 88,000
Hopkins, Kentucky 4 $ 491,000 $ 122,750 $ 45,000
Yazoo, Mississippi 4 $ 435,000 $ 108,750 $ 45,000
Dickson, Tennessee 4 $ 522,000 $ 130,500 $ 44,000
Hamilton, Tennessee 4 $ 579,000 $ 144,750 $ 45,000
Cullman, Alabama 3 $ 214,000 $ 71,333 $ 34,000
Etowah, Alabama 3 $ 612,000 $ 204,000 $ 102,000
Limestone, Alabama 3 $ 595,000 $ 198,333 $ 43,000
Palm Beach, Florida 3 $ 3,182,000 $ 1,060,666 $ 884,000
Spencer, Indiana 3 $ 300,000 $ 100,000 $ 42,000
Anderson, Kentucky 3 $ 525,000 $ 175,000 $ 61,000
Butler, Kentucky 3 $ 448,000 $ 149,333 $ 72,000
Campbell, Kentucky 3 $ 397,000 $ 132,333 $ 27,000
Franklin, Kentucky 3 $ 393,000 $ 131,000 $ 34,000
Hart, Kentucky 3 $ 292,000 $ 97,333 $ 46,000
Muhlenberg, Kentucky 3 $ 328,000 $ 109,333 $ 54,000
Benton, Tennessee 3 $ 390,000 $ 130,000 $ 65,000
Coffee, Tennessee 3 $ 367,000 $ 122,333 $ 52,000
Gibson, Tennessee 3 $ 344,000 $ 114,666 $ 54,000
Baldwin, Alabama 2 $ 238,000 $ 119,000 $ 35,000
Chilton, Alabama 2 $ 530,000 $ 265,000 $ 99,000
DeKalb, Alabama 2 $ 246,000 $ 123,000 $ 82,000
Houston, Alabama 2 $ 521,000 $ 260,500 $ 812,000
Los Angeles, California 2 $ 1,005,000 $ 502,500 $ 90,000
Charlotte, Florida 2 $ 425,000 $ 212,500 $ 62,000
Collier, Florida 2 $ 508,000 $ 254,000 $ 79,000
Lee, Florida 2 $ 377,000 $ 188,500 $ 61,000
Pasco, Florida 2 $ 301,000 $ 150,500 $ 84,000
Pinellas, Florida 2 $ 1,022,000 $ 511,000 $ 171,000
Butts, Georgia 2 $ 568,000 $ 284,000 $ 157,000
Fayette, Indiana 2 $ 464,000 $ 232,000 $ 49,000
Porter, Indiana 2 $ 563,000 $ 281,500 $ 116,000
Vanderburgh, Indiana 2 $ 172,000 $ 86,000 $ 61,000
Adair, Kentucky 2 $ 398,000 $ 199,000 $ 59,000
Bath, Kentucky 2 $ 342,000 $ 171,000 $ 32,000
Boyd, Kentucky 2 $ 283,000 $ 141,500 $ 74,000
Caldwell, Kentucky 2 $ 182,000 $ 91,000 $ 50,000
Edmonson, Kentucky 2 $ 440,000 $ 220,000 $ 61,000
Garrard, Kentucky 2 $ 312,000 $ 156,000 $ 52,000
Jessamine, Kentucky 2 $ 615,000 $ 307,500 $ 111,000
Metcalfe, Kentucky 2 $ 202,000 $ 101,000 $ 36,000
Perry, Kentucky 2 $ 275,000 $ 137,500 $ 19,000
Pulaski, Kentucky 2 $ 362,000 $ 181,000 $ 34,000
Rockcastle, Kentucky 2 $ 334,000 $ 167,000 $ 71,000
Taylor, Kentucky 2 $ 255,000 $ 127,500 $ 63,000
Todd, Kentucky 2 $ 253,000 $ 126,500 $ 36,000
Webster, Kentucky 2 $ 182,000 $ 91,000 $ 109,000
Woodford, Kentucky 2 $ 283,000 $ 141,500 $ 57,000
Knox, Tennessee 2 $ 264,000 $ 132,000 $ 80,000
Lincoln, Tennessee 2 $ 252,000 $ 126,000 $ 42,000
Marion, Tennessee 2 $ 218,000 $ 109,000 $ 58,000
Putnam, Tennessee 2 $ 187,000 $ 93,500 $ 24,000
Smith, Tennessee 2 $ 228,000 $ 114,000 $ 45,000
Warren, Tennessee 2 $ 358,000 $ 179,000 $ 62,000
Spotsylvania, Virginia 2 $ 780,000 $ 390,000 $ 136,000
Hale, Alabama 1 $ 117,000 $ 117,000 $ 84,000
Lee, Alabama 1 $ 128,000 $ 128,000 $ 147,000
Marion, Alabama 1 $ 95,000 $ 95,000 $ 38,000
Marshall, Alabama 1 $ 142,000 $ 142,000 $ 80,000
Russell, Alabama 1 $ 199,000 $ 199,000 $ 55,000
San Diego, California 1 $ 417,000 $ 417,000 $ 240,000
Duval, Florida 1 $ 111,000 $ 111,000 $ 0
Volusia, Florida 1 $ 417,000 $ 417,000 $ 525,000
Walton, Florida 1 $ 312,000 $ 312,000 $ 80,000
Bryan, Georgia 1 $ 183,000 $ 183,000 $ 50,000
Fayette, Georgia 1 $ 262,000 $ 262,000 $ 61,000
Rock Island, Illinois 1 $ 80,000 $ 80,000 $ 730,000
Allen, Indiana 1 $ 195,000 $ 195,000 $ 0
Bartholomew, Indiana 1 $ 90,000 $ 90,000 $ 38,000
Crawford, Indiana 1 $ 93,000 $ 93,000 $ 39,000
Daviess, Indiana 1 $ 180,000 $ 180,000 $ 100,000
Jennings, Indiana 1 $ 88,000 $ 88,000 $ 24,000
LaGrange, Indiana 1 $ 124,000 $ 124,000 $ 56,000
Lawrence, Indiana 1 $ 80,000 $ 80,000 $ 48,000
Marion, Indiana 1 $ 211,000 $ 211,000 $ 135,000
Orange, Indiana 1 $ 95,000 $ 95,000 $ 51,000
Scott, Indiana 1 $ 67,000 $ 67,000 $ 24,000
Breathitt, Kentucky 1 $ 170,000 $ 170,000 $ 53,000
Clinton, Kentucky 1 $ 138,000 $ 138,000 $ 41,000
Cumberland, Kentucky 1 $ 216,000 $ 216,000 $ 40,000
Grant, Kentucky 1 $ 144,000 $ 144,000 $ 92,000
Graves, Kentucky 1 $ 133,000 $ 133,000 $ 42,000
Knott, Kentucky 1 $ 78,000 $ 78,000 $ 30,000
Knox, Kentucky 1 $ 40,000 $ 40,000 $ 34,000
Larue, Kentucky 1 $ 80,000 $ 80,000 $ 30,000
Letcher, Kentucky 1 $ 115,000 $ 115,000 $ 52,000
McCracken, Kentucky 1 $ 96,000 $ 96,000 $ 34,000
Monroe, Kentucky 1 $ 64,000 $ 64,000 $ 19,000
Owen, Kentucky 1 $ 83,000 $ 83,000 $ 38,000
Pendleton, Kentucky 1 $ 165,000 $ 165,000 $ 87,000
Powell, Kentucky 1 $ 200,000 $ 200,000 $ 31,000
Russell, Kentucky 1 $ 147,000 $ 147,000 $ 115,000
Union, Kentucky 1 $ 93,000 $ 93,000 $ 58,000
Wayne, Kentucky 1 $ 96,000 $ 96,000 $ 53,000
Carroll, Mississippi 1 $ 255,000 $ 255,000 $ 188,000
Forrest, Mississippi 1 $ 103,000 $ 103,000 $ 30,000
Harrison, Mississippi 1 $ 250,000 $ 250,000 $ 2,088,000
Jasper, Mississippi 1 $ 49,000 $ 49,000 $ 54,000
Montgomery, Mississippi 1 $ 154,000 $ 154,000 $ 28,000
Sunflower, Mississippi 1 $ 118,000 $ 118,000 $ 68,000
Washington, Mississippi 1 $ 154,000 $ 154,000 $ 47,000
Bradley, Tennessee 1 $ 119,000 $ 119,000 $ 56,000
Carter, Tennessee 1 $ 170,000 $ 170,000 $ 60,000
Claiborne, Tennessee 1 $ 144,000 $ 144,000 $ 52,000
Dyer, Tennessee 1 $ 86,000 $ 86,000 $ 18,000
Grainger, Tennessee 1 $ 103,000 $ 103,000 $ 34,000
Hamblen, Tennessee 1 $ 220,000 $ 220,000 $ 125,000
Hardin, Tennessee 1 $ 118,000 $ 118,000 $ 18,000
Humphreys, Tennessee 1 $ 130,000 $ 130,000 $ 81,000
Lake, Tennessee 1 $ 58,000 $ 58,000 $ 61,000
Macon, Tennessee 1 $ 136,000 $ 136,000 $ 47,000
Madison, Tennessee 1 $ 155,000 $ 155,000 $ 38,000
McMinn, Tennessee 1 $ 100,000 $ 100,000 $ 92,000
McNairy, Tennessee 1 $ 108,000 $ 108,000 $ 98,000
Monroe, Tennessee 1 $ 132,000 $ 132,000 $ 60,000
Rhea, Tennessee 1 $ 80,000 $ 80,000 $ 79,000
Roane, Tennessee 1 $ 60,000 $ 60,000 $ 41,000
Sequatchie, Tennessee 1 $ 120,000 $ 120,000 $ 22,000
Sevier, Tennessee 1 $ 199,000 $ 199,000 $ 84,000
Sullivan, Tennessee 1 $ 188,000 $ 188,000 $ 0
Bexar, Texas 1 $ 171,000 $ 171,000 $ 58,000
Dallas, Texas 1 $ 504,000 $ 504,000 $ 2,184,000
Bedford, Virginia 1 $ 91,000 $ 91,000 $ 77,000
Chesapeake, Virginia 1 $ 194,000 $ 194,000 $ 0
Chesterfield, Virginia 1 $ 242,000 $ 242,000 $ 47,000
Fairfax, Virginia 1 $ 636,000 $ 636,000 $ 264,000
Frederick, Virginia 1 $ 173,000 $ 173,000 $ 40,000
Pittsylvania, Virginia 1 $ 92,000 $ 92,000 $ 23,000

Mortgage Loan Application Detail Totals for First Liberty Financial Group in 2016

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 1,545 $224,399,000 $145,000 $605,000 $67,000 $2,184,000
Refinancing 561 $106,039,000 $189,000 $2,500,000 $74,000 $2,477,000
Home Improvement 4 $603,000 $150,000 $268,000 $54,000 $85,000

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 1,476 $238,353,000 $161,000 $2,500,000 $65,000 $2,477,000
Not Provided 339 $51,551,000 $152,000 $720,000 $99,000 $2,184,000
Black or African American 226 $31,029,000 $137,000 $415,000 $54,000 $149,000
Hispanic 40 $5,150,000 $128,000 $263,000 $49,000 $138,000
Asian 19 $3,304,000 $173,000 $387,000 $75,000 $218,000
Native Hawaiin or Other Pacific Islander 7 $1,212,000 $173,000 $215,000 $67,000 $101,000
American Indian or Alaskan Native 3 $442,000 $147,000 $244,000 $48,000 $113,000
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
FHA-insured (Federal Housing Administration) 1,017 $143,098,000 $140,000 $636,000 $55,000 $1,005,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 743 $130,649,000 $175,000 $2,500,000 $93,000 $2,477,000
VA-guaranteed (Veterans Administration) 187 $35,276,000 $188,000 $515,000 $65,000 $2,088,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 163 $22,018,000 $135,000 $323,000 $47,000 $480,000

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 1,379 $216,202,000 $156,000 $636,000 $62,000 $481,000
Application Withdrawn By Applicant 346 $53,012,000 $153,000 $480,000 $71,000 $900,000
File Closed For Incompleteness 266 $40,884,000 $153,000 $605,000 $90,000 $2,184,000
Application Denied By Financial Institution 119 $20,943,000 $175,000 $2,500,000 $93,000 $2,477,000
Application Approved But Not Accepted 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
Other 13 $1,947,000 $149,000 $250,000 $60,000 $95,000
Insufficient Cash (Downpayment, Closing Cost) 5 $600,000 $120,000 $212,000 $41,000 $51,000
Debt-To-Income Ratio 5 $737,000 $147,000 $235,000 $42,000 $54,000
Credit History 2 $413,000 $206,000 $276,000 $74,000 $74,000
Employment History 1 $78,000 $78,000 $78,000 $29,000 $29,000
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 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 Financial Group's 2016 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 Financial Group'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.

Download the Kentucky Lender List