Liberty National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
51st4.7% deniedProcesswithdrawn + incomplete share, weight 15%
79th1.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 160 | 135 | 8.1% | 8.3% | — | $28M |
| 2024 | 143 | 116 | 14.0% | 14.1% | — | $30M |
| 2025 | 192 | 174 | 4.7% | 4.7% | — | $41M |
What Liberty National Bank 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, 7 manufactured homes, 119 investment properties.
Why Liberty National Bank denies applications
Primary reason reported for each of the 9 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Liberty National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 29 | 24 | 7.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 20 | 17 | 5.3% |
| 45–54 | 23 | 18 | 4.4% |
Where Liberty National Bank lends
5 states and 26 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Liberty National Bank denied 4.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 51st percentile of investment-property lenders.
The most common reason Liberty National Bank gave in 2025 was "other", cited on 44.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 66% of its applications were for home purchases, 17% for refinancing (including cash-out), and 17% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.