Liberty Savings Bank in Florida vs the state
41.6%Denial rate+20.50 pts vs state
52.5%Decision denial rate+25.22 pts vs state
37.7%Origination rate-15.03 pts vs state
6.63%Median rate0.00 pts vs state
-0.25Rate spread (pts)-0.52 pts vs state
$77kMedian applicant income
29Loans originated
32Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 70 | 24 | 25.7% | 8.93% | #556 |
| 2024 | 122 | 65 | 27.1% | 8.00% | #453 |
| 2025 | 77 | 29 | 41.6% | 6.63% | #528 |
What Liberty Savings Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Liberty Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sarasota County | 57 | 20 | 24 | 42.1% |
| Manatee County | 8 | 7 | 0 | 0.0% |
| Palm Beach County | 3 | 1 | 2 | 66.7% |
| Lake County | 1 | 0 | 1 | 100.0% |
| Lee County | 1 | 0 | 1 | 100.0% |
| Martin County | 1 | 0 | 1 | 100.0% |
| Orange County | 1 | 0 | 1 | 100.0% |
| Charlotte County | 1 | 0 | 0 | 0.0% |
| Collier County | 1 | 0 | 0 | 0.0% |
| Pasco County | 1 | 0 | 1 | 100.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 77 applications in 2025, of which 29 were originated and 32 denied.
41.6% of all applications, or 52.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Liberty Savings Bank originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Liberty Savings Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology