Liberty Bank and Trust in Georgia vs the state
36.4%Denial rate+17.14 pts vs state
36.4%Decision denial rate+11.29 pts vs state
63.6%Origination rate+9.55 pts vs state
—Median rate
—Rate spread (pts)
$132kMedian applicant income
7Loans originated
4Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 2 | 30.0% | — | #670 |
| 2024 | 10 | 4 | 30.0% | — | #652 |
| 2025 | 11 | 7 | 36.4% | — | #648 |
What Liberty Bank and Trust lends in Georgia
By loan purpose
By loan type
Where in Georgia
Counties with the most Liberty Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 4 | 1 | 3 | 75.0% |
| Gwinnett County | 3 | 2 | 1 | 33.3% |
| DeKalb County | 1 | 1 | 0 | 0.0% |
| Chatham County | 1 | 1 | 0 | 0.0% |
| Carroll County | 1 | 1 | 0 | 0.0% |
| Henry County | 1 | 1 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 11 applications in 2025, of which 7 were originated and 4 denied.
36.4% of all applications, or 36.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Liberty Bank and Trust's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology