Liberty Bank and Trust Company
Liberty Bank and Trust Company received 312 applications in 2025 and made 192 mortgages, in 75 counties across 23 states. The median rate its borrowers got was Not published on a median loan of $195,000. Of 270 decisions, 78 were denials — 28.9%.
| Legal Entity Identifier | 549300OJTK0IPSNDA832 |
|---|---|
| Applications received | 312 |
| Mortgages made | 192 |
| Denied | 78 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 42 |
| Loans bought from other lenders | 5 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Liberty Bank and Trust Company, 17 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 159 | Not published | $205,000 | 23.2% |
| Refinancing | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Cash-out refinancing | 19 | Not published | $125,000 | 59.6% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 12.5% |
Where Liberty Bank and Trust Company lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Orleans Parish, LA | 57 | Not published | 18.6% |
| Cook County, IL | 16 | Not published | 11.1% |
| Hinds County, MS | 15 | Not published | 31.8% |
| East Baton Rouge Parish, LA | 12 | Not published | 40.0% |
| Warren County, MS | 8 | Under 10 loans | 38.5% |
| Jefferson Parish, LA | 7 | Under 10 loans | 22.2% |
| St. Tammany Parish, LA | 7 | Under 10 loans | 36.4% |
| Wayne County, MI | 6 | Under 10 loans | 33.3% |
| Harris County, TX | 5 | Under 10 loans | 16.7% |
| Rankin County, MS | 4 | Under 10 loans | 20.0% |
| Livingston Parish, LA | 3 | Under 10 loans | 25.0% |
| Shelby County, TN | 3 | Under 10 loans | 57.1% |
| Gwinnett County, GA | 2 | Under 10 loans | 33.3% |
| Will County, IL | 2 | Under 10 loans | 33.3% |
| Lake County, IN | 2 | Under 10 loans | 0.0% |
| Ascension Parish, LA | 2 | Under 10 loans | 50.0% |
| Lafayette Parish, LA | 2 | Under 10 loans | 0.0% |
| St. Bernard Parish, LA | 2 | Under 10 loans | 0.0% |
| Forrest County, MS | 2 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Talladega County, AL | 1 | Under 10 loans | 0.0% |
| Tuscaloosa County, AL | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 1 | Under 10 loans | 50.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Naugatuck Valley Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Carroll County, GA | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 1 | Under 10 loans | 0.0% |
| DeKalb County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 75.0% |
| Henry County, GA | 1 | Under 10 loans | 0.0% |
| St. Clair County, IL | 1 | Under 10 loans | 0.0% |
| Jefferson County, KY | 1 | Under 10 loans | 0.0% |
| Caddo Parish, LA | 1 | Under 10 loans | 0.0% |
| Lafourche Parish, LA | 1 | Under 10 loans | 0.0% |
| Morehouse Parish, LA | 1 | Under 10 loans | 0.0% |
| St. John the Baptist Parish, LA | 1 | Under 10 loans | 0.0% |
| West Baton Rouge Parish, LA | 1 | Under 10 loans | 50.0% |
| Baltimore city, MD | 1 | Under 10 loans | 0.0% |
| Dukes County, MA | 1 | Under 10 loans | 0.0% |
| Adams County, MS | 1 | Under 10 loans | 0.0% |
| Madison County, MS | 1 | Under 10 loans | 0.0% |
| Montgomery County, MS | 1 | Under 10 loans | 0.0% |
| Pike County, MS | 1 | Under 10 loans | 0.0% |
| Walthall County, MS | 1 | Under 10 loans | 0.0% |
| Jackson County, MO | 1 | Under 10 loans | 66.7% |
| St. Louis County, MO | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.