Liberty Bank and Trust Company mortgage approval rate & lending review
Liberty Bank and Trust Company decided 687 mortgage applications and funded 464 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Liberty Bank and Trust Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Liberty Bank and Trust Company at a glance
Approval is 14.5 points below the 82.6% 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 | 72% | 318 / 443 | 99% | $165K | 316 |
| Cash-out refinance | 59% | 63 / 106 | 98% | $155K | 62 |
| Investment property purchase | 71% | 37 / 52 | 97% | $185K | 36 |
| Investment cash-out refinance | 42% | 14 / 33 | 100% | $115K | 14 |
Liberty Bank and Trust Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 70% | $145K | 337 | 235 |
| Illinois | 77% | $245K | 88 | 66 |
| Mississippi | 66% | $195K | 85 | 56 |
| Michigan | 84% | $135K | 37 | 30 |
| Texas | 62% | $405K | 26 | 16 |
| Georgia | 52% | $305K | 21 | 11 |
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 Liberty Bank and Trust Company lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Orleans Parish, LA | Mortgage lenders | 85% | 115 | 98 |
| Hinds County, MS | Mortgage lenders | 65% | 51 | 33 |
| Orleans Parish, LA | Cash-out refinance | 63% | 38 | 24 |
The county markets where Liberty Bank and Trust Company made the most loans. Each link opens that market with every lender ranked.
Questions about Liberty Bank and Trust Company
What is Liberty Bank and Trust Company's mortgage approval rate?
Liberty Bank and Trust Company approved 68.1% of the 687 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.5 points below the 82.6% national rate for the same mix of loan types.
How often do borrowers take the loan Liberty Bank and Trust Company offers?
Borrowers accepted 99% of the loans Liberty Bank and Trust Company 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 Liberty Bank and Trust Company make?
The typical home purchase mortgage loan Liberty Bank and Trust Company made was $165K; across all loan types its typical loan ran from $115K to $185K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Liberty Bank and Trust Company lend?
Liberty Bank and Trust Company decided applications in 24 of the states Fat Boy Data covers, most of them in Louisiana, Illinois and Mississippi.
Can I apply to Liberty Bank and Trust Company directly?
Yes. Liberty Bank and Trust Company is a bank or credit union with 17 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Liberty Bank and Trust Company'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 Liberty Bank and Trust Company treats applications, then get a rate quote from the lender.