Liberty Bank Minnesota mortgage approval rate & lending review
Liberty Bank Minnesota decided 480 mortgage applications and funded 461 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Liberty Bank Minnesota reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Liberty Bank Minnesota at a glance
Approval is 13.7 points above the 82.4% 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 | 99% | 300 / 303 | 100% | $255K | 300 |
| Home improvement loans | 90% | 28 / 31 | 100% | $45K | 28 |
| Cash-out refinance | 85% | 35 / 41 | 100% | $155K | 35 |
| Refinance | 94% | 75 / 80 | 100% | $215K | 75 |
Liberty Bank Minnesota lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Minnesota | 96% | $255K | 477 | 458 |
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 Minnesota lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Stearns County, MN | Mortgage lenders | 99% | 230 | 228 |
| Stearns County, MN | Refinance | 94% | 67 | 63 |
| Wright County, MN | Mortgage lenders | 97% | 32 | 31 |
| Stearns County, MN | Cash-out refinance | 85% | 34 | 29 |
| Stearns County, MN | Home improvement loans | 91% | 23 | 21 |
The county markets where Liberty Bank Minnesota made the most loans. Each link opens that market with every lender ranked.
Questions about Liberty Bank Minnesota
What is Liberty Bank Minnesota's mortgage approval rate?
Liberty Bank Minnesota approved 96.0% of the 480 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.7 points above the 82.4% national rate for the same mix of loan types.
How often do borrowers take the loan Liberty Bank Minnesota offers?
Borrowers accepted 100% of the loans Liberty Bank Minnesota 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 Minnesota make?
The typical home purchase mortgage loan Liberty Bank Minnesota made was $255K; across all loan types its typical loan ran from $45K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Liberty Bank Minnesota lend?
Liberty Bank Minnesota decided applications in 3 of the states Fat Boy Data covers, most of them in Minnesota, Wisconsin and North Dakota.
Can I apply to Liberty Bank Minnesota directly?
Yes. Liberty Bank Minnesota is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Liberty Bank Minnesota'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 Minnesota treats applications, then get a rate quote from the lender.