First Liberty Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
49th9.9% deniedProcesswithdrawn + incomplete share, weight 15%
57th10.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 292 | 200 | 11.3% | 13.4% | 7.13% | $52M |
| 2024 | 244 | 180 | 6.2% | 7.4% | — | $60M |
| 2025 | 190 | 144 | 9.0% | 9.9% | — | $50M |
What First Liberty Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 44 investment properties.
Who gets approved at First Liberty Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 48 | 36 | 9.5% |
| $100k – $150k | 38 | 29 | 11.8% |
| $150k – $250k | 38 | 32 | 5.7% |
| Over $250k | 41 | 31 | 8.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 53 | 42 | 8.5% |
| 35–44 | 42 | 31 | 8.3% |
| 45–54 | 35 | 27 | 17.1% |
Where First Liberty Bank lends
9 states and 35 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First Liberty Bank denied 9.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 49th percentile of small mortgage lenders.
In 2025, 71% of its applications were for home purchases, 25% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 85% conventional, 12% FHA, 3% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.