Liberty Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
8th28.9% deniedProcesswithdrawn + incomplete share, weight 15%
42nd13.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 308 | 172 | 24.0% | 30.0% | — | $51M |
| 2024 | 334 | 175 | 29.9% | 36.0% | — | $44M |
| 2025 | 312 | 192 | 25.0% | 28.9% | — | $57M |
What Liberty Bank and Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 34 investment properties.
Who gets approved at Liberty Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 67 | 42 | 30.0% |
| $50k – $100k | 109 | 69 | 31.0% |
| $100k – $150k | 49 | 31 | 22.5% |
| $150k – $250k | 44 | 20 | 41.2% |
| Over $250k | 32 | 19 | 24.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 26 | 29.7% |
| 35–44 | 86 | 58 | 24.7% |
| 45–54 | 73 | 43 | 31.8% |
| 55–64 | 61 | 36 | 34.6% |
| 65–74 | 25 | 14 | 30.0% |
Where Liberty Bank and Trust lends
23 states and 75 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 148 | 97 | 24.3% | — | #141 |
| Mississippi | 55 | 34 | 23.6% | — | #164 |
| Illinois | 29 | 19 | 10.3% | — | #545 |
| Georgia | 11 | 7 | 36.4% | — | #648 |
| Michigan | 9 | 6 | 33.3% | — | #524 |
| Tennessee | 8 | 3 | 50.0% | — | #665 |
| Texas | 8 | 6 | 25.0% | — | #996 |
| Alabama | 7 | 4 | 0.0% | — | #519 |
| Missouri | 7 | 2 | 28.6% | — | #547 |
| California | 6 | 3 | 50.0% | — | #797 |
Frequently asked questions
Liberty Bank and Trust denied 28.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of small mortgage lenders.
In 2025, 77% of its applications were for home purchases, 21% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 51% conventional, 45% FHA, 3% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.