Liberty Bank Minnesota in Minnesota vs the state
3.0%Denial rate-10.61 pts vs state
3.3%Decision denial rate-13.03 pts vs state
86.9%Origination rate+20.50 pts vs state
6.75%Median rate+0.13 pts vs state
0.19Rate spread (pts)-0.06 pts vs state
$111kMedian applicant income
291Loans originated
10Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 292 | 251 | 4.5% | 6.38% | #98 |
| 2024 | 324 | 274 | 7.1% | 6.88% | #95 |
| 2025 | 335 | 291 | 3.0% | 6.75% | #105 |
What Liberty Bank Minnesota lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Liberty Bank Minnesota applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Stearns County | 169 | 147 | 6 | 3.6% |
| Benton County | 63 | 55 | 2 | 3.2% |
| Sherburne County | 27 | 22 | 1 | 3.7% |
| Wright County | 17 | 15 | 0 | 0.0% |
| Hennepin County | 11 | 8 | 0 | 0.0% |
| Crow Wing County | 5 | 5 | 0 | 0.0% |
| Mille Lacs County | 4 | 4 | 0 | 0.0% |
| Cass County | 3 | 3 | 0 | 0.0% |
| Morrison County | 3 | 2 | 0 | 0.0% |
| Washington County | 3 | 2 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 335 applications in 2025, of which 291 were originated and 10 denied.
3.0% of all applications, or 3.3% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Liberty Bank Minnesota originated in Minnesota in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Liberty Bank Minnesota's own HMDA filing for properties located in Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology