First Liberty Bank
First Liberty Bank received 180 applications in 2025 and made 86 mortgages, in 18 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $330,000. Of 166 decisions, 57 were denials — 34.3%.
| Legal Entity Identifier | 549300IC1SF2RZ8ROR54 |
|---|---|
| Applications received | 180 |
| Mortgages made | 86 |
| Denied | 57 |
| Approved, not taken up | 23 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: First Liberty Bank, 11 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 58 | Not published | $400,000 | 28.7% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 11 | Not published | $145,000 | 22.7% |
| Other purposes | 14 | Not published | $205,000 | 57.5% |
Where First Liberty Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Liberty County, TX | 36 | Not published | 41.5% |
| Harris County, TX | 13 | Not published | 11.1% |
| Chambers County, TX | 8 | Under 10 loans | 18.2% |
| Galveston County, TX | 8 | Under 10 loans | 11.1% |
| Polk County, TX | 8 | Under 10 loans | 30.8% |
| Hardin County, TX | 3 | Under 10 loans | 50.0% |
| Montgomery County, TX | 3 | Under 10 loans | 0.0% |
| Bastrop County, TX | 1 | Under 10 loans | 50.0% |
| Brazoria County, TX | 1 | Under 10 loans | 55.6% |
| Calhoun County, TX | 1 | Under 10 loans | 0.0% |
| Colorado County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Jasper County, TX | 1 | Under 10 loans | 50.0% |
| Trinity County, TX | 1 | Under 10 loans | 0.0% |
| Fort Bend County, TX | 0 | Under 10 loans | 50.0% |
| Jefferson County, TX | 0 | Under 10 loans | 100.0% |
| San Jacinto County, TX | 0 | Under 10 loans | 0.0% |
| Walker County, TX | 0 | Under 10 loans | 100.0% |
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When First Liberty Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.