Liberty Savings Bank, F.S.B.
Liberty Savings Bank, F.S.B. received 202 applications in 2025 and made 101 mortgages, in 105 counties across 32 states. The median rate its borrowers got was 8.250% on a median loan of $185,000. Of 170 decisions, 65 were denials — 38.2%, most often for other.
| Legal Entity Identifier | 549300MU2YI0HXIT3257 |
|---|---|
| Applications received | 202 |
| Mortgages made | 101 |
| Denied | 65 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 32 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | 1.11 points |
| FDIC-insured bank | Yes: Liberty Savings Bank, F.S.B., 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 15 | 6.375% | $245,000 | 16.7% |
| Refinancing | 28 | 9.750% | $205,000 | 38.3% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 56 | 8.188% | $105,000 | 41.6% |
Where Liberty Savings Bank, F.S.B. 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 |
|---|---|---|---|
| Sarasota County, FL | 20 | 6.438% | 54.6% |
| Manatee County, FL | 7 | Under 10 loans | 0.0% |
| DuPage County, IL | 4 | Under 10 loans | 42.9% |
| Montgomery County, OH | 4 | Under 10 loans | 33.3% |
| Pima County, AZ | 3 | Under 10 loans | 0.0% |
| Grand County, CO | 3 | Under 10 loans | 0.0% |
| Multnomah County, OR | 3 | Under 10 loans | 25.0% |
| Maricopa County, AZ | 2 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 2 | Under 10 loans | 33.3% |
| Forsyth County, NC | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Pulaski County, AR | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 50.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 1 | Under 10 loans | 0.0% |
| Routt County, CO | 1 | Under 10 loans | 0.0% |
| Naugatuck Valley Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 66.7% |
| Bibb County, GA | 1 | Under 10 loans | 0.0% |
| Clayton County, GA | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| Lake County, IL | 1 | Under 10 loans | 0.0% |
| Winnebago County, IL | 1 | Under 10 loans | 0.0% |
| Allen County, IN | 1 | Under 10 loans | 0.0% |
| Floyd County, IN | 1 | Under 10 loans | 0.0% |
| Hendricks County, IN | 1 | Under 10 loans | 0.0% |
| LaGrange County, IN | 1 | Under 10 loans | 0.0% |
| Butler County, KS | 1 | Under 10 loans | 0.0% |
| Terrebonne Parish, LA | 1 | Under 10 loans | 0.0% |
| Hampden County, MA | 1 | Under 10 loans | 0.0% |
| Worcester County, MA | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Oakland County, MI | 1 | Under 10 loans | 0.0% |
| Hennepin County, MN | 1 | Under 10 loans | 50.0% |
| Le Sueur County, MN | 1 | Under 10 loans | 0.0% |
| Monroe County, MS | 1 | Under 10 loans | 0.0% |
| Jefferson County, MO | 1 | Under 10 loans | 0.0% |
| St. Louis County, MO | 1 | Under 10 loans | 0.0% |
| Brunswick County, NC | 1 | Under 10 loans | 50.0% |
| Butler County, OH | 1 | Under 10 loans | 33.3% |
| Geauga County, OH | 1 | Under 10 loans | 0.0% |
| Highland County, OH | 1 | Under 10 loans | 0.0% |
| Miami County, OH | 1 | Under 10 loans | 0.0% |
| Portage County, OH | 1 | Under 10 loans | 0.0% |
| Warren County, OH | 1 | Under 10 loans | 50.0% |
| Curry County, OR | 1 | Under 10 loans | 0.0% |
| Deschutes County, OR | 1 | Under 10 loans | 0.0% |
| Washington County, OR | 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.