Lender in Minnesota · HMDA 2025
Liberty Bank Minnesota mortgages in Minnesota
Liberty Bank Minnesota's 2025 home-purchase and refinance lending in Minnesota, compared with all lenders in the state.
Liberty Bank Minnesota originated 232 owner-occupied single-family loans in Minnesota from 235 completed applications.
Its median conventional purchase loan costs were $3,200 versus $5,100 for all Minnesota lenders, at a median 30-year fixed rate of 6.625% (Minnesota: 6.625%).
Loans in MN
232
of 235 applications
Denial rate
0.0%
Purchase · MN 5.2%
Rate spread
+0.06 pts
Conv. · MN +0.15 pts
Loan amount
$255,000
Purchase · MN $305,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 166 | 166 | 0.0% | 6.625% | +0.06 pts | $3,200 | $255,000 |
| Refinance | 51 | 48 | 5.9% | 6.750% | +0.07 pts | $1,540 | $255,000 |
| Cash-out refinance | 18 | 18 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Minnesota counties where Liberty Bank Minnesota ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Benton County | 1 | 46 | 8.3% |
| Stearns County | 2 | 119 | 6.0% |
| Todd County | 21 | 3 | 1.1% |
| Grant County | 23 | 1 | 1.4% |
| Cottonwood County | 24 | 1 | 0.9% |
| Chippewa County | 25 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology