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records First Liberty Financial Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Louisville/Jefferson County, KY-IN | 676 | $ 118,305,000 | $ 175,007 | $ 69,054 |
| Owensboro, KY | 303 | $ 38,941,000 | $ 128,518 | $ 58,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 242 | $ 45,468,000 | $ 187,884 | $ 67,000 |
| Birmingham-Hoover, AL | 212 | $ 26,414,000 | $ 124,594 | $ 63,000 |
| Jackson, MS | 70 | $ 12,612,000 | $ 180,171 | $ 81,000 |
| Evansville, IN-KY | 60 | $ 7,232,000 | $ 120,533 | $ 59,200 |
| Lexington-Fayette, KY | 55 | $ 9,073,000 | $ 164,963 | $ 65,000 |
| Bowling Green, KY | 54 | $ 8,400,000 | $ 155,555 | $ 64,000 |
| Clarksville, TN-KY | 36 | $ 4,819,000 | $ 133,861 | $ 56,000 |
| Elizabethtown-Fort Knox, KY | 26 | $ 2,818,000 | $ 108,384 | $ 40,000 |
| Cincinnati, OH-KY-IN | 17 | $ 2,635,000 | $ 155,000 | $ 40,000 |
| Anniston-Oxford-Jacksonville, AL | 10 | $ 1,220,000 | $ 122,000 | $ 63,000 |
| Tuscaloosa, AL | 9 | $ 1,955,000 | $ 217,222 | $ 269,000 |
| Huntsville, AL | 8 | $ 1,443,000 | $ 180,375 | $ 63,000 |
| Chattanooga, TN-GA | 7 | $ 917,000 | $ 131,000 | $ 45,000 |
| Montgomery, AL | 7 | $ 667,000 | $ 95,285 | $ 51,000 |
| Memphis, TN-MS-AR | 5 | $ 1,107,000 | $ 221,400 | $ 97,000 |
| Knoxville, TN | 4 | $ 427,000 | $ 106,750 | $ 58,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 1,323,000 | $ 330,750 | $ 127,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 830,000 | $ 276,666 | $ 125,000 |
| Gadsden, AL | 3 | $ 612,000 | $ 204,000 | $ 102,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 1,416,000 | $ 472,000 | $ 179,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 3 | $ 3,182,000 | $ 1,060,666 | $ 884,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 377,000 | $ 188,500 | $ 61,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 238,000 | $ 119,000 | $ 35,000 |
| Dothan, AL | 2 | $ 521,000 | $ 260,500 | $ 812,000 |
| Gary, IN | 2 | $ 563,000 | $ 281,500 | $ 116,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 283,000 | $ 141,500 | $ 74,000 |
| Los Angeles-Long Beach-Glendale, CA | 2 | $ 1,005,000 | $ 502,500 | $ 90,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 508,000 | $ 254,000 | $ 79,000 |
| Punta Gorda, FL | 2 | $ 425,000 | $ 212,500 | $ 62,000 |
| Auburn-Opelika, AL | 1 | $ 128,000 | $ 128,000 | $ 147,000 |
| Cleveland, TN | 1 | $ 119,000 | $ 119,000 | $ 56,000 |
| Columbus, GA-AL | 1 | $ 199,000 | $ 199,000 | $ 55,000 |
| Columbus, IN | 1 | $ 90,000 | $ 90,000 | $ 38,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 312,000 | $ 312,000 | $ 80,000 |
| Dallas-Plano-Irving, TX | 1 | $ 504,000 | $ 504,000 | $ 2,184,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 80,000 | $ 80,000 | $ 730,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 417,000 | $ 417,000 | $ 525,000 |
| Fort Wayne, IN | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 250,000 | $ 250,000 | $ 2,088,000 |
| Hattiesburg, MS | 1 | $ 103,000 | $ 103,000 | $ 30,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 211,000 | $ 211,000 | $ 135,000 |
| Jackson, TN | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Jacksonville, FL | 1 | $ 111,000 | $ 111,000 | $ 0 |
| Johnson City, TN | 1 | $ 170,000 | $ 170,000 | $ 60,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Lynchburg, VA | 1 | $ 91,000 | $ 91,000 | $ 77,000 |
| Morristown, TN | 1 | $ 220,000 | $ 220,000 | $ 125,000 |
| Richmond, VA | 1 | $ 242,000 | $ 242,000 | $ 47,000 |
| San Antonio-New Braunfels, TX | 1 | $ 171,000 | $ 171,000 | $ 58,000 |
| San Diego-Carlsbad, CA | 1 | $ 417,000 | $ 417,000 | $ 240,000 |
| Savannah, GA | 1 | $ 183,000 | $ 183,000 | $ 50,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 173,000 | $ 173,000 | $ 40,000 |
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.
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