Liberty Bank Minnesota
Liberty Bank Minnesota received 336 applications in 2025 and made 292 mortgages, in 30 counties across 2 states. The median rate its borrowers got was 6.750% on a median loan of $235,000. Of 302 decisions, 10 were denials — 3.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DM47883NLNBK72 |
|---|---|
| Applications received | 336 |
| Mortgages made | 292 |
| Denied | 10 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 34 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1915 points |
| FDIC-insured bank | Yes: Liberty Bank Minnesota, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 183 | 6.625% | $255,000 | 1.1% |
| Refinancing | 55 | 6.500% | $245,000 | 5.2% |
| Cash-out refinancing | 25 | 6.875% | $155,000 | 3.9% |
| Other purposes | 29 | 7.000% | $55,000 | 12.1% |
Where Liberty Bank Minnesota lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Stearns County, MN | 147 | 6.625% | 3.9% |
| Benton County, MN | 55 | 6.750% | 3.5% |
| Sherburne County, MN | 22 | 6.625% | 4.4% |
| Wright County, MN | 15 | 6.875% | 0.0% |
| Hennepin County, MN | 8 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 5 | Under 10 loans | 0.0% |
| Mille Lacs County, MN | 4 | Under 10 loans | 0.0% |
| Cass County, MN | 3 | Under 10 loans | 0.0% |
| Itasca County, MN | 3 | Under 10 loans | 0.0% |
| Kandiyohi County, MN | 3 | Under 10 loans | 0.0% |
| Meeker County, MN | 3 | Under 10 loans | 0.0% |
| Todd County, MN | 3 | Under 10 loans | 0.0% |
| Anoka County, MN | 2 | Under 10 loans | 0.0% |
| Isanti County, MN | 2 | Under 10 loans | 0.0% |
| Morrison County, MN | 2 | Under 10 loans | 0.0% |
| Ramsey County, MN | 2 | Under 10 loans | 0.0% |
| Washington County, MN | 2 | Under 10 loans | 0.0% |
| Beltrami County, MN | 1 | Under 10 loans | 0.0% |
| Carlton County, MN | 1 | Under 10 loans | 0.0% |
| Chippewa County, MN | 1 | Under 10 loans | 0.0% |
| Cottonwood County, MN | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 1 | Under 10 loans | 0.0% |
| Douglas County, MN | 1 | Under 10 loans | 0.0% |
| Grant County, MN | 1 | Under 10 loans | 0.0% |
| Hubbard County, MN | 1 | Under 10 loans | 0.0% |
| Kanabec County, MN | 1 | Under 10 loans | 0.0% |
| Sibley County, MN | 1 | Under 10 loans | 0.0% |
| Eau Claire County, WI | 1 | Under 10 loans | 0.0% |
| Carver County, MN | 0 | Under 10 loans | Not published |
| St. Louis County, MN | 0 | Under 10 loans | 100.0% |
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When Liberty Bank Minnesota’s figures are published for the next year, or restated.
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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.