Liberty Bank mortgage approval rate & lending review
Liberty Bank decided 5,140 mortgage applications and funded 4,508 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Liberty Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Liberty Bank at a glance
Approval is 13.2 points above the 76.6% 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 | 94% | 1,950 / 2,067 | 97% | $295K | 1,899 |
| Home improvement loans | 85% | 1,394 / 1,647 | 98% | $105K | 1,366 |
| Cash-out refinance | 92% | 68 / 74 | 96% | $255K | 65 |
| Refinance | 89% | 952 / 1,073 | 98% | $125K | 934 |
| Investment property purchase | 94% | 183 / 194 | 95% | $345K | 174 |
| Investment home improvement | 77% | 36 / 47 | 100% | $155K | 36 |
Liberty Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Connecticut | 90% | $125K | 4,738 | 4,142 |
| Massachusetts | 93% | $415K | 374 | 341 |
| Rhode Island | 91% | $405K | 22 | 20 |
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 lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Capitol Planning Region, CT | Mortgage lenders | 96% | 700 | 653 |
| Capitol Planning Region, CT | Home improvement loans | 84% | 514 | 425 |
| Lower Connecticut River Valley Planning Region, CT | Home improvement loans | 87% | 447 | 379 |
| Capitol Planning Region, CT | Refinance | 90% | 371 | 326 |
| South Central Connecticut Planning Region, CT | Mortgage lenders | 95% | 342 | 315 |
| Lower Connecticut River Valley Planning Region, CT | Mortgage lenders | 96% | 254 | 238 |
| Naugatuck Valley Planning Region, CT | Mortgage lenders | 93% | 236 | 213 |
| Lower Connecticut River Valley Planning Region, CT | Refinance | 86% | 233 | 200 |
| Southeastern Connecticut Planning Region, CT | Home improvement loans | 84% | 223 | 182 |
| South Central Connecticut Planning Region, CT | Home improvement loans | 83% | 200 | 163 |
| Naugatuck Valley Planning Region, CT | Home improvement loans | 86% | 151 | 129 |
| South Central Connecticut Planning Region, CT | Refinance | 85% | 151 | 126 |
The county markets where Liberty Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Liberty Bank
What is Liberty Bank's mortgage approval rate?
Liberty Bank approved 89.8% of the 5,140 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.2 points above the 76.6% national rate for the same mix of loan types.
How often do borrowers take the loan Liberty Bank offers?
Borrowers accepted 98% of the loans 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 Liberty Bank make?
The typical home purchase mortgage loan Liberty Bank made was $295K; across all loan types its typical loan ran from $105K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Liberty Bank lend?
Liberty Bank decided applications in 6 of the states Fat Boy Data covers, most of them in Connecticut, Massachusetts and Rhode Island.
Can I apply to Liberty Bank directly?
Yes. Liberty Bank is a bank or credit union with 72 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show 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 Liberty Bank treats applications, then get a rate quote from the lender.