The First Liberty National Bank Mortgage Rates, Fees & Info
Liberty, TXLEI: 549300IC1SF2RZ8ROR54
Tax ID: 74-0745975
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
The First Liberty National Bank is a smaller bank specializing in Home Purchase loans. The First Liberty National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Beaumont, Palestine, Austin, and Waco among others. We have data for 7 markets. (Some data included below & more in-depth data is available with an active subscription.)The First Liberty National Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
154Origination Dollar Volume (All Markets)
$43,440,000Top 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 |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 116 | $33,040,000 | $284,828 | $0 | 0.00% |
| Outside of Metro Areas | 23 | $7,155,000 | $311,087 | $0 | 0.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 11 | $2,645,000 | $240,455 | $0 | 0.00% |
| Palestine, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 0.00% |
| WACO, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 0.00% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against The First Liberty National 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 | 154 | $43,440,000 | $282,078 | $0 | 0.00% |
For 2022, The First Liberty National Bank's most frequently originated type of loan was Conventional, with 154 originations.
Loan Reason
For 2022, The First Liberty National Bank's most frequently cited loan purpose was Home Purchase, with 124 originations. The 2nd most popular reason was Other, with 14 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 154 | $43,440,000 | $282,078 | $0 | 0.00% |
For 2022, The First Liberty National Bank's most frequently cited loan duration was Other, with 154 originations.
Loan Sizing
2022 saw The First Liberty National Bank place emphasis on $200k-400k loans with 64 originations, totaling $18,140,000 in origination value.
Applicant Income
The First Liberty National Bank lent most frequently to those with incomes in the $100k-150k range, with 36 originations. The second most popular income band? $150k-250k, with 33 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 154 | $43,440,000 | $282,078 | $0 | 0.00% |
The First Liberty National Bank lent most frequently to those with DTI ratios of Exempt%, with 154 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.98%
The First Liberty National Bank has a below average approval rate.
Pick Rate
Approvals leading to origination25.97%
The First Liberty National Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 154 | $43,440,000 | $282,078 |