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records First Liberty Financial Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 518 | $ 79,894,000 | $ 154,235 | $ 62,583 |
| Owensboro, KY | 251 | $ 28,954,000 | $ 115,354 | $ 54,000 |
| Birmingham-Hoover, AL | 181 | $ 28,733,000 | $ 158,745 | $ 54,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 176 | $ 33,878,000 | $ 192,488 | $ 78,000 |
| Lexington-Fayette, KY | 54 | $ 8,783,000 | $ 162,648 | $ 65,000 |
| Jackson, MS | 48 | $ 7,034,000 | $ 146,541 | $ 65,000 |
| Bowling Green, KY | 28 | $ 4,416,000 | $ 157,714 | $ 68,000 |
| Clarksville, TN-KY | 22 | $ 3,481,000 | $ 158,227 | $ 52,272 |
| Elizabethtown-Fort Knox, KY | 19 | $ 2,270,000 | $ 119,473 | $ 53,000 |
| Cincinnati, OH-KY-IN | 16 | $ 2,650,000 | $ 165,625 | $ 78,000 |
| Evansville, IN-KY | 14 | $ 2,695,000 | $ 192,500 | $ 85,714 |
| Los Angeles-Long Beach-Glendale, CA | 14 | $ 4,631,000 | $ 330,785 | $ 79,000 |
| Knoxville, TN | 10 | $ 1,928,000 | $ 192,800 | $ 85,000 |
| Memphis, TN-MS-AR | 10 | $ 1,851,000 | $ 185,100 | $ 81,000 |
| Tuscaloosa, AL | 9 | $ 1,287,000 | $ 143,000 | $ 57,000 |
| Anniston-Oxford-Jacksonville, AL | 7 | $ 1,093,000 | $ 156,142 | $ 57,000 |
| Gadsden, AL | 5 | $ 701,000 | $ 140,200 | $ 63,000 |
| Chattanooga, TN-GA | 4 | $ 623,000 | $ 155,750 | $ 80,000 |
| Crestview-Fort Walton Beach-Destin, FL | 4 | $ 840,000 | $ 210,000 | $ 28,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 673,000 | $ 168,250 | $ 87,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 4 | $ 1,843,000 | $ 460,750 | $ 172,000 |
| Fort Wayne, IN | 3 | $ 480,000 | $ 160,000 | $ 45,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 382,000 | $ 127,333 | $ 45,333 |
| Montgomery, AL | 3 | $ 1,031,000 | $ 343,666 | $ 84,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 1,369,000 | $ 456,333 | $ 146,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 524,000 | $ 174,666 | $ 98,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 267,000 | $ 133,500 | $ 19,500 |
| Cape Coral-Fort Myers, FL | 2 | $ 330,000 | $ 165,000 | $ 97,000 |
| Dallas-Plano-Irving, TX | 2 | $ 677,000 | $ 338,500 | $ 116,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 403,000 | $ 201,500 | $ 90,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 567,000 | $ 283,500 | $ 108,000 |
| Port St. Lucie, FL | 2 | $ 263,000 | $ 131,500 | $ 60,000 |
| Bloomington, IN | 1 | $ 165,000 | $ 165,000 | $ 59,000 |
| Columbus, IN | 1 | $ 177,000 | $ 177,000 | $ 168,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 61,000 | $ 61,000 | $ 50,000 |
| Gainesville, FL | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Gary, IN | 1 | $ 157,000 | $ 157,000 | $ 90,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 124,000 | $ 124,000 | $ 87,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 178,000 | $ 178,000 | $ 75,000 |
| Huntsville, AL | 1 | $ 184,000 | $ 184,000 | $ 75,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 119,000 | $ 119,000 | $ 25,000 |
| Jackson, TN | 1 | $ 320,000 | $ 320,000 | $ 244,000 |
| Lynchburg, VA | 1 | $ 124,000 | $ 124,000 | $ 105,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 136,000 | $ 136,000 | $ 110,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 446,000 | $ 446,000 | $ 138,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 269,000 | $ 269,000 | $ 119,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 223,000 | $ 223,000 | $ 84,000 |
| San Diego-Carlsbad, CA | 1 | $ 417,000 | $ 417,000 | $ 241,000 |
| Savannah, GA | 1 | $ 181,000 | $ 181,000 | $ 50,000 |
| Staunton-Waynesboro, VA | 1 | $ 178,000 | $ 178,000 | $ 0 |
| Terre Haute, IN | 1 | $ 248,000 | $ 248,000 | $ 94,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 290,000 | $ 290,000 | $ 79,000 |
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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