First Liberty Bank Mortgage Rates, Fees & Info
Oklahoma City, OKLEI: 5493005WCUTOOZMTV053
Tax ID: 73-0351620
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Mortgage Data
Review & Overview
First Liberty Bank is a smaller bank specializing in Home Purchase loans. First Liberty Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Oklahoma City, Dallas, Gainesville, Austin, and Waco among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)First Liberty Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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Originations
180Origination Dollar Volume (All Markets)
$59,560,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 137 | $34,105,000 | $248,942 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 24 | $11,340,000 | $472,500 | $0 | 0.00% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $6,205,000 | $6,205,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $3,680,000 | $1,840,000 | $0 | 0.00% |
| WACO, TX (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $0 | 0.00% |
| Stillwater, OK (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 0.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 0.00% |
| Outside of Metro Areas | 2 | $340,000 | $170,000 | $0 | 0.00% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| ENID, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 0.00% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against First Liberty Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 162 | $54,280,000 | $335,062 | $0 | 0.00% |
| VA | 10 | $3,230,000 | $323,000 | $0 | 0.00% |
| FHA | 8 | $2,050,000 | $256,250 | $0 | 0.00% |
For 2024, First Liberty Bank's most frequently originated type of loan was Conventional, with 162 originations. Their 2nd most popular type was VA, with 10 originations.
Loan Reason
For 2024, First Liberty Bank's most frequently cited loan purpose was Home Purchase, with 156 originations. The 2nd most popular reason was Cash Out Refi, with 14 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 180 | $59,560,000 | $330,889 | $0 | 0.00% |
For 2024, First Liberty Bank's most frequently cited loan duration was Other, with 180 originations.
Loan Sizing
2024 saw First Liberty Bank place emphasis on $100k-200k loans with 63 originations, totaling $9,545,000 in origination value.
Applicant Income
First Liberty Bank lent most frequently to those with incomes in the $100k-150k range, with 33 originations. The second most popular income band? $250k+, with 31 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 180 | $59,560,000 | $330,889 | $0 | 0.00% |
First Liberty Bank lent most frequently to those with DTI ratios of Exempt%, with 180 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.85%
First Liberty Bank has an average approval rate.
Pick Rate
Approvals leading to origination73.33%
First Liberty Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 180 | $59,560,000 | $330,889 |