The First Liberty National Bank Mortgage Lending & HMDA Data, 2019
In 2019, The First Liberty National Bank of Liberty, TX reported 247 mortgage applications totaling $52.3 million, up 23% from 2018. The average application was for $211,599, and applicants reported an average income of $121,914. 53% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (162), Beaumont-Port Arthur, TX (31) and Dallas-Plano-Irving, TX (2) (applications in parentheses).
| Mortgage Company & Address | The First Liberty National Bank 1900 Sam Houston Street Liberty, TX 77575 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 247 |
| Total Mortgage Loan Application Amount | $52,265,000 |
| Average Mortgage Loan Application Amount | $211,599 |
| Highest Mortgage Loan Application Amount | $1,365,000 |
| Average Applicant Income | $121,914 |
| Highest Applicant Income | $661,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The First Liberty National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Liberty, Texas | 117 | $ 22,635,000 | $ 193,461 | $ 107,000 |
| Harris, Texas | 24 | $ 5,660,000 | $ 235,833 | $ 161,000 |
| Jefferson, Texas | 20 | $ 3,030,000 | $ 151,500 | $ 103,000 |
| Montgomery, Texas | 9 | $ 2,095,000 | $ 232,777 | $ 183,000 |
| Chambers, Texas | 7 | $ 1,985,000 | $ 283,571 | $ 192,000 |
| Hardin, Texas | 6 | $ 1,060,000 | $ 176,666 | $ 82,000 |
| Orange, Texas | 5 | $ 455,000 | $ 91,000 | $ 76,000 |
| San Jacinto, Texas | 4 | $ 380,000 | $ 95,000 | $ 69,000 |
| Galveston, Texas | 3 | $ 1,455,000 | $ 485,000 | $ 210,000 |
| Shelby, Texas | 3 | $ 515,000 | $ 171,666 | $ 92,000 |
| Austin, Texas | 2 | $ 270,000 | $ 135,000 | $ 55,000 |
| Collin, Texas | 2 | $ 2,480,000 | $ 1,240,000 | $ 316,000 |
| Franklin, Texas | 2 | $ 170,000 | $ 85,000 | $ 277,000 |
| Jasper, Texas | 2 | $ 390,000 | $ 195,000 | $ 145,000 |
| Trinity, Texas | 2 | $ 500,000 | $ 250,000 | $ 235,000 |
| Upshur, Texas | 2 | $ 460,000 | $ 230,000 | $ 106,000 |
| Bee, Texas | 1 | $ 275,000 | $ 275,000 | $ 185,000 |
| Cass, Texas | 1 | $ 605,000 | $ 605,000 | $ 238,000 |
| Cherokee, Texas | 1 | $ 285,000 | $ 285,000 | $ 128,000 |
| Gillespie, Texas | 1 | $ 505,000 | $ 505,000 | $ 268,000 |
| Grimes, Texas | 1 | $ 395,000 | $ 395,000 | $ 103,000 |
| Houston, Texas | 1 | $ 245,000 | $ 245,000 | $ 116,000 |
| Nacogdoches, Texas | 1 | $ 375,000 | $ 375,000 | $ 98,000 |
| Palo Pinto, Texas | 1 | $ 405,000 | $ 405,000 | $ 121,000 |
| Polk, Texas | 1 | $ 285,000 | $ 285,000 | $ 254,000 |
| San Augustine, Texas | 1 | $ 145,000 | $ 145,000 | $ 173,000 |
| Walker, Texas | 1 | $ 235,000 | $ 235,000 | $ 90,000 |
Mortgage Loan Application Detail Totals for The First Liberty National Bank in 2019
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 | 188 | $42,650,000 | $226,000 | $1,365,000 | $122,000 | $497,000 |
| Other Purpose | 25 | $3,665,000 | $146,000 | $1,355,000 | $122,000 | $661,000 |
| Cash-out Refinancing | 18 | $3,390,000 | $188,000 | $875,000 | $111,000 | $395,000 |
| Refinancing | 11 | $2,095,000 | $190,000 | $435,000 | $124,000 | $265,000 |
| Home Improvement | 5 | $465,000 | $93,000 | $255,000 | $153,000 | $232,000 |
| 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 | 174 | $40,910,000 | $235,000 | $1,365,000 | $130,000 | $497,000 |
| Hispanic | 28 | $3,780,000 | $135,000 | $435,000 | $85,000 | $254,000 |
| Not applicable | 20 | $3,080,000 | $154,000 | $505,000 | $0 | $0 |
| Not Provided | 13 | $1,775,000 | $136,000 | $265,000 | $79,000 | $172,000 |
| Black or African American | 8 | $770,000 | $96,000 | $255,000 | $82,000 | $152,000 |
| Asian | 3 | $1,565,000 | $521,000 | $1,355,000 | $273,000 | $661,000 |
| American Indian or Alaskan Native | 1 | $385,000 | $385,000 | $385,000 | $105,000 | $105,000 |
| 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) | 247 | $52,265,000 | $211,000 | $1,365,000 | $122,000 | $661,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 130 | $25,820,000 | $198,000 | $1,005,000 | $132,000 | $497,000 |
| Application Approved But Not Accepted | 39 | $7,215,000 | $185,000 | $605,000 | $118,000 | $277,000 |
| Application Denied By Financial Institution | 36 | $8,350,000 | $231,000 | $1,355,000 | $108,000 | $661,000 |
| Application Withdrawn By Applicant | 20 | $7,150,000 | $357,000 | $1,365,000 | $132,000 | $321,000 |
| Preapproval Denied by Financial Institution | 18 | $2,820,000 | $156,000 | $335,000 | $82,000 | $214,000 |
| Preapproval Approved but not Accepted | 4 | $910,000 | $227,000 | $335,000 | $108,000 | $144,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 193 | $41,095,000 | $212,000 | $1,365,000 | $129,000 | $497,000 |
| Credit History | 17 | $2,515,000 | $147,000 | $335,000 | $81,000 | $214,000 |
| Credit Application Incomplete | 13 | $1,855,000 | $142,000 | $335,000 | $74,000 | $172,000 |
| Debt-To-Income Ratio | 11 | $3,195,000 | $290,000 | $1,355,000 | $114,000 | $661,000 |
| Collateral | 10 | $1,990,000 | $199,000 | $875,000 | $113,000 | $395,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,615,000 | $538,000 | $1,115,000 | $219,000 | $311,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The First Liberty National Bank's 2019 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 The First Liberty National 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.
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