Liberty Bank and Trust in Michigan vs the state
33.3%Denial rate+14.81 pts vs state
33.3%Decision denial rate+10.75 pts vs state
66.7%Origination rate+6.78 pts vs state
—Median rate
—Rate spread (pts)
$97kMedian applicant income
6Loans originated
3Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 11 | 13.3% | — | #465 |
| 2024 | 24 | 14 | 4.2% | — | #416 |
| 2025 | 9 | 6 | 33.3% | — | #524 |
What Liberty Bank and Trust lends in Michigan
By loan purpose
By loan type
Where in Michigan
Counties with the most Liberty Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 9 | 6 | 3 | 33.3% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 9 applications in 2025, of which 6 were originated and 3 denied.
33.3% of all applications, or 33.3% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
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 Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology