First Liberty Bank mortgage approval rate & lending review
First Liberty Bank decided 527 mortgage applications and funded 448 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Liberty Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Liberty Bank at a glance
Approval is 5.6 points above the 84.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 261 / 286 | 97% | $245K | 254 |
| Cash-out refinance | 67% | 18 / 27 | 94% | $185K | 17 |
| Investment property purchase | 98% | 141 / 144 | 91% | $135K | 129 |
| Investment cash-out refinance | 89% | 25 / 28 | 88% | $115K | 22 |
First Liberty Bank lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Liberty Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Oklahoma County, OK | Mortgage lenders | 95% | 128 | 117 |
| Oklahoma County, OK | Investment property purchase | 98% | 97 | 87 |
| Cleveland County, OK | Mortgage lenders | 94% | 47 | 44 |
| Cleveland County, OK | Investment property purchase | 100% | 25 | 23 |
The county markets where First Liberty Bank made the most loans. Each link opens that market with every lender ranked.
Questions about First Liberty Bank
What is First Liberty Bank's mortgage approval rate?
First Liberty Bank approved 90.3% of the 527 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.6 points above the 84.7% national rate for the same mix of loan types.
How often do borrowers take the loan First Liberty Bank offers?
Borrowers accepted 94% of the loans First Liberty Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Liberty Bank make?
The typical home purchase mortgage loan First Liberty Bank made was $245K; across all loan types its typical loan ran from $115K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Liberty Bank lend?
First Liberty Bank decided applications in 11 of the states Fat Boy Data covers, most of them in Oklahoma, Texas and Florida.
Can I apply to First Liberty Bank directly?
Yes. First Liberty Bank is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Liberty Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Liberty Bank treats applications, then get a rate quote from the lender.