Liberty Bay Credit Union mortgage approval rate & lending review
Liberty Bay Credit Union decided 418 mortgage applications and funded 376 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Liberty Bay Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Liberty Bay Credit Union at a glance
Approval is 17.3 points above the 75.8% 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 | 96% | 154 / 161 | 97% | $515K | 150 |
| Home improvement loans | 94% | 102 / 109 | 96% | $55K | 98 |
| Cash-out refinance | 90% | 60 / 67 | 95% | $155K | 57 |
| Refinance | 91% | 59 / 65 | 98% | $145K | 58 |
Liberty Bay Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 93% | $155K | 406 | 366 |
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 Bay Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Plymouth County, MA | Mortgage lenders | 98% | 53 | 49 |
| Plymouth County, MA | Home improvement loans | 95% | 43 | 39 |
| Norfolk County, MA | Home improvement loans | 100% | 23 | 21 |
| Norfolk County, MA | Refinance | 83% | 23 | 19 |
| Plymouth County, MA | Cash-out refinance | 95% | 22 | 19 |
The county markets where Liberty Bay Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Liberty Bay Credit Union
What is Liberty Bay Credit Union's mortgage approval rate?
Liberty Bay Credit Union approved 93.1% of the 418 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.3 points above the 75.8% national rate for the same mix of loan types.
How often do borrowers take the loan Liberty Bay Credit Union offers?
Borrowers accepted 97% of the loans Liberty Bay Credit Union 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 Bay Credit Union make?
The typical home purchase mortgage loan Liberty Bay Credit Union made was $515K; across all loan types its typical loan ran from $55K to $515K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Liberty Bay Credit Union lend?
Liberty Bay Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Rhode Island.
Can I apply to Liberty Bay Credit Union directly?
Yes. Liberty Bay Credit Union is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Liberty Bay Credit Union'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 Bay Credit Union treats applications, then get a rate quote from the lender.