# Liberty Bank

> **Canonical URL:** https://saferate.com/lenders/liberty-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Liberty Bank is a bank, headquartered in Middletown, CT, serving borrowers across 2 states, with 721 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300KWXO8FUM7L0E14
- **Headquarters:** Middletown, CT
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CT, MA
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.155%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-63
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 721
- **Dollar Volume:** $276 million
- **Applications Received:** 880
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $382,684
- **Average Borrower Income:** $177,784
- **Average Property Value:** $538,578

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Jumbo Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 657 | -0.138% | $-125 | Strong 😀 |
| Jumbo | 78/100 | 56 | -0.552% | $515 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 589 loans, Score: 70/100 (Strong)
- Refinance: 68 loans, Score: 62/100 (Strong)

**Jumbo:**
- Purchase: 52 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 649 | $257M | -0.187% | Strong 😀 |
| Refinance | 60/100 | 72 | $19M | +0.115% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CT | 682 | 1.98% | 91/100 |
| MA | 39 | 0.06% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Hartford | CT | 355 | 91/100 |
| New Haven, CT | CT | 137 | 87/100 |
| Waterbury | CT | 70 | 75/100 |
| Norwich | CT | 54 | 78/100 |
| Bridgeport | CT | 41 | 64/100 |
| Non |  | 25 | 30/100 |
| Springfield, MA | MA | 23 | 55/100 |

## Where This Lender Ranks

Liberty Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Connecticut
  - [View Full Rankings](https://saferate.com/connecticut/best-mortgage-lenders)
- 🥇 **#1** in Connecticut Banks
  - [View Full Rankings](https://saferate.com/connecticut/best-mortgage-lenders/banks)
- 🥇 **#1** in Hartford
  - [View Full Rankings](https://saferate.com/hartford/best-mortgage-lenders)
- 🥇 **#1** in Hartford Banks
  - [View Full Rankings](https://saferate.com/hartford/best-mortgage-lenders/banks)
- 🥇 **#1** in Hartford for Conventional Loans
  - [View Full Rankings](https://saferate.com/hartford/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Hartford for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/hartford/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Hartford for Jumbo Loans
  - [View Full Rankings](https://saferate.com/hartford/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Hartford for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/hartford/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in New Haven, CT
  - [View Full Rankings](https://saferate.com/new-haven-ct/best-mortgage-lenders)
- 🥇 **#1** in New Haven, CT Banks
  - [View Full Rankings](https://saferate.com/new-haven-ct/best-mortgage-lenders/banks)
- 🥇 **#1** in New Haven, CT for Conventional Loans
  - [View Full Rankings](https://saferate.com/new-haven-ct/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in New Haven, CT for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-haven-ct/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in New Haven, CT for Jumbo Loans
  - [View Full Rankings](https://saferate.com/new-haven-ct/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in New Haven, CT for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-haven-ct/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Connecticut for Conventional Loans
  - [View Full Rankings](https://saferate.com/connecticut/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Connecticut for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/connecticut/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Connecticut for Jumbo Loans
  - [View Full Rankings](https://saferate.com/connecticut/best-mortgage-lenders/jumbo-loans)
- 🥈 **#2** in Connecticut for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/connecticut/best-mortgage-lenders/banks/jumbo-loans)
- 🥈 **#2** in Waterbury for Conventional Loans
  - [View Full Rankings](https://saferate.com/waterbury/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Waterbury for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/waterbury/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Liberty Bank offer?

Liberty Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Liberty Bank offer mortgages?

Liberty Bank offers mortgages in 2 states: CT, MA.

### How competitive are Liberty Bank's mortgage rates?

Liberty Bank has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.155% below market average.

### What type of lender is Liberty Bank?

Liberty Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Middletown, CT.

### What is Liberty Bank's loan approval success rate?

Liberty Bank has a pull-through score of 75/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/liberty-bank

### How to Cite

> "Liberty Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/liberty-bank

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