First Liberty Financial Group Mortgage Lending & HMDA Data, 2015

In 2015, First Liberty Financial Group of Louisville, KY reported 1,655 mortgage applications totaling $255.3 million, up 63% from 2014. The average application was for $154,277, and applicants reported an average income of $63,352. 81% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Louisville/Jefferson County, KY-IN (518), Owensboro, KY (251) and Birmingham-Hoover, AL (181) (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 2015  2014  2013  2012  2011  2010  2009  
Total Number of Mortgage Applications 1,655
Total Mortgage Loan Application Amount $255,329,000
Average Mortgage Loan Application Amount $154,277
Highest Mortgage Loan Application Amount $856,000
Average Applicant Income $63,352
Highest Applicant Income $1,488,000

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records First Liberty Financial Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Jefferson, Kentucky 303 $ 48,025,000 $ 158,498 $ 64,000
Daviess, Kentucky 235 $ 27,226,000 $ 115,855 $ 54,000
Jefferson, Alabama 97 $ 16,149,000 $ 166,484 $ 55,000
Davidson, Tennessee 59 $ 11,627,000 $ 197,067 $ 79,000
Shelby, Alabama 48 $ 7,604,000 $ 158,416 $ 53,000
Clark, Indiana 41 $ 5,143,000 $ 125,439 $ 53,000
Fayette, Kentucky 36 $ 6,059,000 $ 168,305 $ 75,000
St. Clair, Alabama 31 $ 4,264,000 $ 137,548 $ 53,000
Washington, Indiana 31 $ 3,089,000 $ 99,645 $ 44,000
Sumner, Tennessee 31 $ 5,401,000 $ 174,225 $ 58,000
Oldham, Kentucky 30 $ 6,561,000 $ 218,700 $ 95,000
Bullitt, Kentucky 29 $ 4,509,000 $ 155,482 $ 55,000
Rutherford, Tennessee 29 $ 5,073,000 $ 174,931 $ 71,000
Ohio, Kentucky 23 $ 2,654,000 $ 115,391 $ 46,000
Warren, Kentucky 23 $ 3,956,000 $ 172,000 $ 75,000
Floyd, Indiana 22 $ 3,204,000 $ 145,636 $ 57,000
Rankin, Mississippi 22 $ 3,218,000 $ 146,272 $ 68,000
Montgomery, Tennessee 21 $ 3,344,000 $ 159,238 $ 52,000
Shelby, Kentucky 19 $ 3,017,000 $ 158,789 $ 65,000
Talladega, Alabama 16 $ 1,922,000 $ 120,125 $ 54,000
Harrison, Indiana 16 $ 2,221,000 $ 138,812 $ 47,000
Wilson, Tennessee 16 $ 3,274,000 $ 204,625 $ 73,000
Logan, Kentucky 15 $ 1,661,000 $ 110,733 $ 53,000
Los Angeles, California 14 $ 4,631,000 $ 330,785 $ 79,000
Hardin, Kentucky 13 $ 1,466,000 $ 112,769 $ 52,000
Spencer, Kentucky 13 $ 2,351,000 $ 180,846 $ 62,000
Madison, Mississippi 13 $ 2,411,000 $ 185,461 $ 83,000
Cheatham, Tennessee 13 $ 1,953,000 $ 150,230 $ 51,000
Jackson, Indiana 12 $ 1,151,000 $ 95,916 $ 42,000
Williamson, Tennessee 12 $ 4,050,000 $ 337,500 $ 212,000
Barren, Kentucky 10 $ 1,452,000 $ 145,200 $ 67,000
Henderson, Kentucky 10 $ 1,507,000 $ 150,700 $ 66,000
Tuscaloosa, Alabama 9 $ 1,287,000 $ 143,000 $ 57,000
Robertson, Tennessee 9 $ 1,479,000 $ 164,333 $ 59,000
Jennings, Indiana 8 $ 762,000 $ 95,250 $ 34,000
Scott, Indiana 8 $ 849,000 $ 106,125 $ 58,000
Hancock, Kentucky 8 $ 869,000 $ 108,625 $ 58,000
McLean, Kentucky 8 $ 859,000 $ 107,375 $ 54,000
Nelson, Kentucky 8 $ 1,128,000 $ 141,000 $ 50,000
Calhoun, Alabama 7 $ 1,093,000 $ 156,142 $ 57,000
Jessamine, Kentucky 7 $ 1,137,000 $ 162,428 $ 61,000
Kenton, Kentucky 7 $ 973,000 $ 139,000 $ 66,000
Simpson, Kentucky 7 $ 841,000 $ 120,142 $ 42,000
Yazoo, Mississippi 7 $ 649,000 $ 92,714 $ 42,000
Shelby, Tennessee 7 $ 1,012,000 $ 144,571 $ 66,000
Boone, Kentucky 6 $ 979,000 $ 163,166 $ 87,000
Madison, Kentucky 6 $ 1,211,000 $ 201,833 $ 116,000
Muhlenberg, Kentucky 6 $ 652,000 $ 108,666 $ 58,000
Hinds, Mississippi 6 $ 756,000 $ 126,000 $ 44,000
Knox, Tennessee 6 $ 1,392,000 $ 232,000 $ 101,000
Blount, Alabama 5 $ 716,000 $ 143,200 $ 51,000
Etowah, Alabama 5 $ 701,000 $ 140,200 $ 63,000
Grayson, Kentucky 5 $ 953,000 $ 190,600 $ 63,000
Maury, Tennessee 5 $ 777,000 $ 155,400 $ 45,000
Jefferson, Indiana 4 $ 538,000 $ 134,500 $ 58,000
Warrick, Indiana 4 $ 1,188,000 $ 297,000 $ 135,000
Clark, Kentucky 4 $ 473,000 $ 118,250 $ 50,000
Edmonson, Kentucky 4 $ 381,000 $ 95,250 $ 35,000
Henry, Kentucky 4 $ 611,000 $ 152,750 $ 73,000
Larue, Kentucky 4 $ 592,000 $ 148,000 $ 57,000
Scott, Kentucky 4 $ 698,000 $ 174,500 $ 36,000
Warren, Tennessee 4 $ 371,000 $ 92,750 $ 59,000
Clay, Alabama 3 $ 108,000 $ 36,000 $ 76,000
Collier, Florida 3 $ 1,369,000 $ 456,333 $ 146,000
Walton, Florida 3 $ 657,000 $ 219,000 $ 0
Allen, Indiana 3 $ 480,000 $ 160,000 $ 45,000
Lawrence, Indiana 3 $ 399,000 $ 133,000 $ 62,000
Orange, Indiana 3 $ 341,000 $ 113,666 $ 68,000
Breckinridge, Kentucky 3 $ 847,000 $ 282,333 $ 116,000
Franklin, Kentucky 3 $ 341,000 $ 113,666 $ 76,000
Mercer, Kentucky 3 $ 349,000 $ 116,333 $ 101,000
Washington, Kentucky 3 $ 416,000 $ 138,666 $ 9,000
Hamilton, Tennessee 3 $ 470,000 $ 156,666 $ 68,000
Fairfax, Virginia 3 $ 1,688,000 $ 562,666 $ 214,000
Autauga, Alabama 2 $ 714,000 $ 357,000 $ 87,000
Baldwin, Alabama 2 $ 403,000 $ 201,500 $ 90,000
Dallas, Alabama 2 $ 275,000 $ 137,500 $ 57,000
Ventura, California 2 $ 567,000 $ 283,500 $ 108,000
Lee, Florida 2 $ 330,000 $ 165,000 $ 97,000
Martin, Florida 2 $ 263,000 $ 131,500 $ 60,000
Pasco, Florida 2 $ 384,000 $ 192,000 $ 83,000
Spencer, Indiana 2 $ 255,000 $ 127,500 $ 58,000
Boyle, Kentucky 2 $ 199,000 $ 99,500 $ 49,000
Campbell, Kentucky 2 $ 334,000 $ 167,000 $ 61,000
Carter, Kentucky 2 $ 224,000 $ 112,000 $ 62,000
Floyd, Kentucky 2 $ 219,000 $ 109,500 $ 31,000
Garrard, Kentucky 2 $ 133,000 $ 66,500 $ 40,000
Hart, Kentucky 2 $ 198,000 $ 99,000 $ 48,000
Hopkins, Kentucky 2 $ 310,000 $ 155,000 $ 45,000
Knox, Kentucky 2 $ 213,000 $ 106,500 $ 41,000
McCracken, Kentucky 2 $ 315,000 $ 157,500 $ 59,000
Meade, Kentucky 2 $ 212,000 $ 106,000 $ 45,000
Pike, Kentucky 2 $ 292,000 $ 146,000 $ 67,000
Trimble, Kentucky 2 $ 314,000 $ 157,000 $ 86,000
Whitley, Kentucky 2 $ 316,000 $ 158,000 $ 71,000
Woodford, Kentucky 2 $ 294,000 $ 147,000 $ 36,000
Fayette, Tennessee 2 $ 657,000 $ 328,500 $ 120,000
Giles, Tennessee 2 $ 207,000 $ 103,500 $ 28,000
Macon, Tennessee 2 $ 244,000 $ 122,000 $ 45,000
Sullivan, Tennessee 2 $ 274,000 $ 137,000 $ 68,000
Dallas, Texas 2 $ 677,000 $ 338,500 $ 116,000
Coosa, Alabama 1 $ 110,000 $ 110,000 $ 119,000
Cullman, Alabama 1 $ 179,000 $ 179,000 $ 63,000
DeKalb, Alabama 1 $ 118,000 $ 118,000 $ 21,000
Macon, Alabama 1 $ 86,000 $ 86,000 $ 0
Madison, Alabama 1 $ 184,000 $ 184,000 $ 75,000
Marengo, Alabama 1 $ 132,000 $ 132,000 $ 82,000
Montgomery, Alabama 1 $ 317,000 $ 317,000 $ 77,000
San Diego, California 1 $ 417,000 $ 417,000 $ 241,000
Brevard, Florida 1 $ 206,000 $ 206,000 $ 0
Broward, Florida 1 $ 61,000 $ 61,000 $ 50,000
Charlotte, Florida 1 $ 223,000 $ 223,000 $ 84,000
Gilchrist, Florida 1 $ 121,000 $ 121,000 $ 0
Hernando, Florida 1 $ 103,000 $ 103,000 $ 55,000
Okaloosa, Florida 1 $ 183,000 $ 183,000 $ 115,000
Orange, Florida 1 $ 269,000 $ 269,000 $ 119,000
Palm Beach, Florida 1 $ 290,000 $ 290,000 $ 79,000
Pinellas, Florida 1 $ 186,000 $ 186,000 $ 130,000
Chatham, Georgia 1 $ 181,000 $ 181,000 $ 50,000
Columbia, Georgia 1 $ 115,000 $ 115,000 $ 0
Bartholomew, Indiana 1 $ 177,000 $ 177,000 $ 168,000
Boone, Indiana 1 $ 119,000 $ 119,000 $ 25,000
Crawford, Indiana 1 $ 144,000 $ 144,000 $ 44,000
DeKalb, Indiana 1 $ 193,000 $ 193,000 $ 104,000
Gibson, Indiana 1 $ 260,000 $ 260,000 $ 95,000
Greene, Indiana 1 $ 43,000 $ 43,000 $ 55,000
Henry, Indiana 1 $ 95,000 $ 95,000 $ 44,000
Knox, Indiana 1 $ 52,000 $ 52,000 $ 46,000
Monroe, Indiana 1 $ 165,000 $ 165,000 $ 59,000
Porter, Indiana 1 $ 157,000 $ 157,000 $ 90,000
Vigo, Indiana 1 $ 248,000 $ 248,000 $ 94,000
Adair, Kentucky 1 $ 165,000 $ 165,000 $ 83,000
Anderson, Kentucky 1 $ 150,000 $ 150,000 $ 54,000
Bourbon, Kentucky 1 $ 122,000 $ 122,000 $ 0
Boyd, Kentucky 1 $ 178,000 $ 178,000 $ 75,000
Butler, Kentucky 1 $ 79,000 $ 79,000 $ 29,000
Christian, Kentucky 1 $ 137,000 $ 137,000 $ 58,000
Estill, Kentucky 1 $ 151,000 $ 151,000 $ 60,000
Gallatin, Kentucky 1 $ 364,000 $ 364,000 $ 140,000
Harlan, Kentucky 1 $ 97,000 $ 97,000 $ 59,000
Jackson, Kentucky 1 $ 61,000 $ 61,000 $ 32,000
Johnson, Kentucky 1 $ 68,000 $ 68,000 $ 85,000
Laurel, Kentucky 1 $ 156,000 $ 156,000 $ 147,000
Lawrence, Kentucky 1 $ 66,000 $ 66,000 $ 15,000
Lincoln, Kentucky 1 $ 90,000 $ 90,000 $ 22,000
Livingston, Kentucky 1 $ 90,000 $ 90,000 $ 31,000
Owen, Kentucky 1 $ 77,000 $ 77,000 $ 21,000
Perry, Kentucky 1 $ 159,000 $ 159,000 $ 82,000
Pulaski, Kentucky 1 $ 229,000 $ 229,000 $ 51,000
Russell, Kentucky 1 $ 250,000 $ 250,000 $ 393,000
Union, Kentucky 1 $ 125,000 $ 125,000 $ 34,000
Lauderdale, Mississippi 1 $ 167,000 $ 167,000 $ 0
Neshoba, Mississippi 1 $ 173,000 $ 173,000 $ 96,000
Bergen, New Jersey 1 $ 446,000 $ 446,000 $ 138,000
Aiken, South Carolina 1 $ 152,000 $ 152,000 $ 39,000
Anderson, Tennessee 1 $ 121,000 $ 121,000 $ 60,000
Bedford, Tennessee 1 $ 162,000 $ 162,000 $ 58,000
Blount, Tennessee 1 $ 149,000 $ 149,000 $ 32,000
Claiborne, Tennessee 1 $ 131,000 $ 131,000 $ 98,000
Coffee, Tennessee 1 $ 174,000 $ 174,000 $ 67,000
Franklin, Tennessee 1 $ 123,000 $ 123,000 $ 38,000
Humphreys, Tennessee 1 $ 174,000 $ 174,000 $ 70,000
Madison, Tennessee 1 $ 320,000 $ 320,000 $ 244,000
Marion, Tennessee 1 $ 153,000 $ 153,000 $ 117,000
McMinn, Tennessee 1 $ 96,000 $ 96,000 $ 42,000
McNairy, Tennessee 1 $ 151,000 $ 151,000 $ 131,000
Moore, Tennessee 1 $ 173,000 $ 173,000 $ 67,000
Morgan, Tennessee 1 $ 122,000 $ 122,000 $ 55,000
Putnam, Tennessee 1 $ 103,000 $ 103,000 $ 38,000
Roane, Tennessee 1 $ 144,000 $ 144,000 $ 101,000
Tipton, Tennessee 1 $ 182,000 $ 182,000 $ 106,000
Harris, Texas 1 $ 124,000 $ 124,000 $ 87,000
Hidalgo, Texas 1 $ 136,000 $ 136,000 $ 110,000
Appomattox, Virginia 1 $ 124,000 $ 124,000 $ 105,000
Chesapeake, Virginia 1 $ 122,000 $ 122,000 $ 170,000
Culpeper, Virginia 1 $ 155,000 $ 155,000 $ 47,000
Orange, Virginia 1 $ 228,000 $ 228,000 $ 59,000
Staunton, Virginia 1 $ 178,000 $ 178,000 $ 0
Suffolk, Virginia 1 $ 186,000 $ 186,000 $ 62,000
Virginia Beach, Virginia 1 $ 216,000 $ 216,000 $ 62,000
Washington, Virginia 1 $ 108,000 $ 108,000 $ 0

Mortgage Loan Application Detail Totals for First Liberty Financial Group in 2015

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 1,218 $181,799,000 $149,000 $856,000 $62,000 $1,488,000
Refinancing 436 $73,420,000 $168,000 $596,000 $67,000 $507,000
Home Improvement 1 $110,000 $110,000 $110,000 $120,000 $120,000

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 1,136 $174,626,000 $153,000 $596,000 $66,000 $1,488,000
Not Provided 325 $52,047,000 $160,000 $856,000 $60,000 $264,000
Black or African American 155 $22,659,000 $146,000 $464,000 $48,000 $155,000
Hispanic 24 $3,474,000 $144,000 $383,000 $46,000 $132,000
Asian 10 $1,723,000 $172,000 $276,000 $52,000 $94,000
Native Hawaiian or Other Pacific Islander 3 $468,000 $156,000 $189,000 $97,000 $168,000
American Indian or Alaskan Native 2 $332,000 $166,000 $243,000 $46,000 $67,000
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) 799 $109,137,000 $136,000 $596,000 $50,000 $317,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 568 $102,559,000 $180,000 $856,000 $87,000 $1,488,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 158 $19,910,000 $126,000 $338,000 $44,000 $86,000
VA-guaranteed (Veterans Administration) 130 $23,723,000 $182,000 $464,000 $63,000 $175,000

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 1,347 $208,469,000 $154,000 $596,000 $63,000 $1,488,000
Application Withdrawn By Applicant 239 $37,196,000 $155,000 $856,000 $60,000 $264,000
Application Denied By Financial Institution 69 $9,664,000 $140,000 $425,000 $63,000 $317,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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 27 $3,783,000 $140,000 $417,000 $62,000 $197,000
Credit History 10 $1,103,000 $110,000 $155,000 $48,000 $92,000
Insufficient Cash (Downpayment, Closing Cost) 9 $1,712,000 $190,000 $425,000 $88,000 $317,000
Collateral 8 $702,000 $87,000 $168,000 $53,000 $100,000
Employment History 6 $975,000 $162,000 $417,000 $56,000 $129,000
Debt-To-Income Ratio 2 $382,000 $191,000 $274,000 $90,000 $113,000
Unverifiable Information 1 $173,000 $173,000 $173,000 $66,000 $66,000
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 First Liberty Financial Group's 2015 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.
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