Liberty Bank in Connecticut vs the state
9.5%Denial rate-7.92 pts vs state
10.5%Decision denial rate-11.06 pts vs state
78.7%Origination rate+18.33 pts vs state
5.99%Median rate-0.63 pts vs state
-1.10Rate spread (pts)-1.34 pts vs state
$127kMedian applicant income
2,765Loans originated
333Denied
Trend in Connecticut
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,255 | 2,481 | 12.0% | 5.00% | #6 |
| 2024 | 3,089 | 2,390 | 11.5% | 5.99% | #8 |
| 2025 | 3,513 | 2,765 | 9.5% | 5.99% | #7 |
What Liberty Bank lends in Connecticut
By loan purpose
By loan type
Why it denied Connecticut applicants
Where in Connecticut
Counties with the most Liberty Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| 09110 | 1,196 | 967 | 92 | 7.7% |
| 09130 | 671 | 538 | 68 | 10.1% |
| 09170 | 561 | 429 | 54 | 9.6% |
| 09180 | 409 | 315 | 52 | 12.7% |
| 09140 | 377 | 298 | 28 | 7.4% |
| 09190 | 118 | 81 | 19 | 16.1% |
| 09120 | 65 | 47 | 5 | 7.7% |
| 09160 | 63 | 49 | 7 | 11.1% |
| 09150 | 52 | 41 | 8 | 15.4% |
Other large lenders in Connecticut
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,043 | 16.5% | 6.75% |
| Citizens Bank | C | 4,895 | 26.2% | 7.40% |
| Bank of America | F | 4,591 | 32.1% | 6.00% |
| United Shore Financial Services | B | 4,239 | 13.7% | 6.50% |
| Total Mortgage Services | B | 4,219 | 4.5% | 6.63% |
| Manufacturers and Traders Trust | C | 4,030 | 31.8% | 5.99% |
| Webster Bank | C | 2,762 | 21.9% | 6.74% |
| Newrez | D | 2,556 | 21.8% | 6.88% |
| AMERICAN EAGLE FINANCIAL Credit Union | D | 2,463 | 18.9% | 7.75% |
| First World Mortgage | A | 2,332 | 3.5% | 6.49% |
Frequently asked questions
Connecticut: 3,513 applications in 2025, of which 2,765 were originated and 333 denied.
9.5% of all applications, or 10.5% of the applications it actually decided on. The Connecticut statewide average across all lenders was 17.4%.
The median rate on loans Liberty Bank originated in Connecticut in 2025 was 5.99%, against a statewide median of 6.63%.
About this data. Figures are Liberty Bank's own HMDA filing for properties located in Connecticut, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology