Liberty Bank Mortgage Rates, Fees & Info

Middletown, CT

LEI: 549300KWXO8FUM7L0E14

Tax ID: 06-0452570

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Liberty Bank is a smaller bank specializing in Home Purchase and Refi loans. Liberty Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Hartford, Philadelphia, Bridgeport, New Haven, and Harrisburg among others. We have data for 15 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Liberty Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Liberty Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 3.21% 4/22/24
    30 Year Conventional Purchase 5.97% 4/22/24
    30 Year Conventional Refi 6.10% 4/22/24
    30 Year Cash-out Refi 6.04% 4/22/24
    30 Year FHA Purchase 7.03% 4/22/24
    30 Year VA Purchase 6.23% 4/22/24
    30 Year USDA Purchase 6.69% 4/22/24
    15 Year Conventional Purchase 5.80% 4/22/24
    15 Year Conventional Refi 5.74% 4/22/24
    15 Year Cash-out Refi 5.74% 4/22/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Liberty Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Liberty Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,690

    Origination Dollar Volume (All Markets)

    $549,320,000

    Employee count

    700 Show all (9) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 953 $170,395,000 $178,799 $3,084 3.82%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $71,840,000 $11,973,333 $0 4.37%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 108 $62,880,000 $582,222 $4,715 3.53%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 335 $62,565,000 $186,761 $3,800 3.81%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $42,510,000 $21,255,000 $0 4.60%
    NORWICH-NEW LONDON, CT (FHA|USDA|VA) 218 $33,950,000 $155,734 $2,762 3.84%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $21,505,000 $21,505,000 $0 4.63%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $19,505,000 $19,505,000 $0 4.07%
    ROCHESTER, NY (FHA|USDA|VA) 2 $19,310,000 $9,655,000 $0 4.85%
    READING, PA (FHA|USDA|VA) 1 $17,805,000 $17,805,000 $0 4.64%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $11,310,000 $5,655,000 $0 4.50%
    WORCESTER, MA-CT (FHA|USDA|VA) 38 $5,370,000 $141,316 $3,063 3.78%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $4,535,000 $4,535,000 $0 4.40%
    Torrington, CT (FHA|USDA|VA) 20 $3,030,000 $151,500 $3,592 3.92%
    SPRINGFIELD, MA (FHA|USDA|VA) 2 $2,810,000 $1,405,000 $0 4.77%
    Liberty Bank's top markets include Hartford, Philadelphia, Bridgeport, New Haven, and Harrisburg among others.

    Their top states include:
  • Connecticut (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Liberty Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    POLISH NATIONAL
    Similarity Rank: 60
    Middlesex Savings Bank
    Similarity Rank: 65
    Stafford Savings Bank
    Similarity Rank: 68
    PeoplesBank
    Similarity Rank: 104
    UniBank for Savings
    Similarity Rank: 130
    Charter Oak Federal Credit Union
    Similarity Rank: 132
    Bristol County Savings Bank
    Similarity Rank: 144
    MUTUAL SECURITY CREDIT UNION
    Similarity Rank: 144
    Union Savings Bank
    Similarity Rank: 152
    Sanborn Mortgage Corporation
    Similarity Rank: 160

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 861 $442,925,000 $514,431 $3,205 4.21%
    HELOC 793 $98,915,000 $124,735 n/a 3.36%
    FHA 28 $5,670,000 $202,500 $7,069 4.09%
    VA 8 $1,810,000 $226,250 $4,976 3.94%

    For 2018, Liberty Bank's most frequently originated type of loan was Conventional, with 861 originations. Their 2nd most popular type was HELOC, with 793 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 663 $219,395,000 $330,913 $3,915 4.06%
    Refi 394 $221,330,000 $561,751 $2,156 3.58%
    Home Improvement 317 $53,835,000 $169,826 $375 3.61%
    Other 224 $23,430,000 $104,598 $844 3.67%
    Cash Out Refi 92 $31,330,000 $340,543 $3,257 3.95%

    For 2018, Liberty Bank's most frequently cited loan purpose was Home Purchase, with 663 originations. The 2nd most popular reason was Refi, with 394 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,477 $294,135,000 $199,144 $3,832 3.71%
    15 Year 90 $13,940,000 $154,889 $2,498 4.23%
    10 Year 36 $2,890,000 $80,278 $157 4.62%
    20 Year 32 $3,760,000 $117,500 $1,074 5.21%
    5 Year 29 $45,965,000 $1,585,000 $0 4.21%
    Other 26 $188,630,000 $7,255,000 $0 4.64%

    For 2018, Liberty Bank's most frequently cited loan duration was 30 Year, with 1,477 originations. The 2nd most popular length was 15 Year, with 90 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 593 $141,955,000 $239,384
    $1k-2k 168 $42,850,000 $255,060
    $2k-3k 62 $13,600,000 $219,355
    $3k-4k 18 $6,150,000 $341,667
    $4k-5k 12 $5,180,000 $431,667
    $5k+ 9 $5,745,000 $638,333

    Liberty Bank's average total fees were $3,832, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 593 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 675 $162,635,000 $240,941
    4-5% 565 $325,385,000 $575,903
    2.5-3% 380 $53,260,000 $140,158
    5-6% 56 $7,340,000 $131,071
    6-7% 14 $700,000 $50,000

    During 2018, Liberty Bank's average interest rate for loans was 3.71%, while their most frequently originated rate bucket for loans was 3-4%, with 675 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 611 $89,545,000 $146,555 $3,163 3.73%
    $100,000 or less 501 $28,585,000 $57,056 $1,002 3.86%
    $200k-400k 418 $110,710,000 $264,856 $4,098 3.84%
    $400k-600k 77 $38,365,000 $498,247 $4,324 3.82%
    $1MM+ 42 $250,850,000 $5,972,619 $6,703 4.08%
    $600k-1MM 41 $31,265,000 $762,561 $4,660 3.77%

    2018 saw Liberty Bank place emphasis on $100k-200k loans with 611 originations, totaling $89,545,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 414 $71,430,000 $172,536 $3,369 3.79%
    $50k-75k 335 $42,805,000 $127,776 $3,108 3.86%
    $150k-250k 311 $75,025,000 $241,238 $3,666 3.70%
    $75k-100k 276 $39,940,000 $144,710 $3,092 3.80%
    $50k or less 162 $16,340,000 $100,864 $2,836 3.95%
    $250k+ 142 $66,930,000 $471,338 $4,260 3.59%

    Liberty Bank lent most frequently to those with incomes in the $100k-150k range, with 414 originations. The second most popular income band? $50k-75k, with 335 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 441 $88,905,000 $201,599 $3,319 3.76%
    30-36% 326 $68,670,000 $210,644 $3,244 3.86%
    <20% 148 $28,680,000 $193,784 $3,045 3.66%
    40% 77 $11,765,000 $152,792 $2,874 3.85%
    41% 76 $11,880,000 $156,316 $2,988 3.95%
    42% 74 $13,470,000 $182,027 $3,239 3.77%
    39% 74 $13,620,000 $184,054 $3,419 3.68%
    43% 68 $11,240,000 $165,294 $2,631 3.55%
    37% 66 $12,650,000 $191,667 $3,441 3.88%
    36% 62 $12,880,000 $207,742 $3,691 3.77%
    38% 56 $10,080,000 $180,000 $4,101 3.89%
    45% 54 $7,810,000 $144,630 $3,539 3.86%
    44% 53 $7,765,000 $146,509 $3,776 3.78%
    49% 25 $5,165,000 $206,600 $4,553 3.78%
    48% 23 $4,135,000 $179,783 $3,438 3.89%
    46% 14 $2,380,000 $170,000 $5,265 4.01%
    47% 11 $1,975,000 $179,545 $3,848 3.92%
    50-60% 4 $600,000 $150,000 $6,457 3.71%
    >60% 3 $725,000 $241,667 $7,335 3.87%

    Liberty Bank lent most frequently to those with DTI ratios of 20-30%, with 441 originations. The next most common DTI ratio? 30-36%, with 326 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,362 $259,620,000 $190,617 $3,309 3.81%
    Not applicable 35 $234,925,000 $6,712,143 $0 4.72%
    Asian 92 $25,350,000 $275,543 $3,499 3.91%
    Not provided 167 $22,315,000 $133,623 $3,147 3.52%
    Black 27 $4,515,000 $167,222 $4,270 4.05%
    American Indian 4 $1,560,000 $390,000 $4,676 3.59%
    Other Asian 1 $505,000 $505,000 $4,015 3.63%
    Vietnamese 1 $275,000 $275,000 $3,091 3.75%
    Chinese 1 $255,000 $255,000 $2,965 3.88%

    Approval Rates

    Total approvals of all applications
    79.05%

    Liberty Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    84.73%

    Liberty Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,690 $549,320,000 $325,041

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 33 $234,685,000 $7,111,667
    Single Family (1-4 Units):Site-Built 1,657 $314,635,000 $189,882

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 348 $47,100,000 $135,345 $1,178 3.43%
    40-60% 205 $93,965,000 $458,366 $2,856 3.50%
    60-80% 480 $281,490,000 $586,438 $3,575 3.87%
    80-100% 415 $102,745,000 $247,578 $4,051 3.98%
    Over 100% 5 $955,000 $191,000 $4,575 4.58%
    Under 20% 237 $23,065,000 $97,321 $122 4.17%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Liberty Home Equity Solutions, Inc. Reverse mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    Liberty Home Equity Solutions, Inc. Reverse mortgage Struggling to pay mortgage 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Liberty Bank 1009 New Haven Road Naugatuck, CT 6770 Full Service B&M $40,771
    Liberty Bank 1030 Hamilton Ave Waterbury, CT 6706 Full Service B&M $27,532
    Liberty Bank 1132 Storrs Road Mansfield, CT 6250 Full Service B&M $92,348
    Liberty Bank 116 Bridge St Haddam, CT 6438 Full Service B&M $50,588
    Liberty Bank 1169 Farmington Avenue Berlin, CT 6037 Full Service B&M $51,350
    Liberty Bank 1190 Silas Deane Highway Wethersfield, CT 6109 Full Service B&M $54,195
    Liberty Bank 127 South Main Street Beacon Falls, CT 6403 Full Service B&M $23,293
    Liberty Bank 1300 Main Street Newington, CT 6111 Full Service B&M $39,874
    Liberty Bank 1475 Whalley Avenue New Haven, CT 6515 Full Service B&M $23,569
    Liberty Bank 151 Main Street Deep River, CT 6417 Full Service B&M $73,034
    Liberty Bank 153 College Street New Haven, CT 6510 Full Service B&M $28,271
    Liberty Bank 1570 Southford Road Southbury, CT 6488 Full Service B&M $39,603
    Liberty Bank 160 Highland Avenue Cheshire, CT 6410 Full Service B&M $81,196
    Liberty Bank 165 Boston Post Road Waterford, CT 6385 Full Service B&M $119,366
    Liberty Bank 1703 West Main Street Willimantic, CT 6226 Full Service B&M $64,693
    Liberty Bank 171 Silas Deane Highway Wethersfield, CT 6109 Full Service B&M $49,710
    Liberty Bank 174 Washington Avenue North Haven, CT 6473 Full Service B&M $74,193
    Liberty Bank 2 West High Street East Hampton, CT 6424 Full Service B&M $80,748
    Liberty Bank 219 South Main Street Colchester, CT 6415 Full Service B&M $84,658
    Liberty Bank 245 Main Street Portland, CT 6480 Full Service B&M $121,348
    Liberty Bank 249 West Street Seymour, CT 6483 Full Service B&M $33,348
    Liberty Bank 2518 Whitney Avenue Hamden, CT 6518 Full Service B&M $35,144
    Liberty Bank 26 East Hampton Rd Marlborough, CT 6447 Full Service B&M $88,142
    Liberty Bank 26 Killingworth Road Higganum, CT 6441 Full Service B&M $39,455
    Liberty Bank 27 Coogan Blvd Mystic, CT 6355 Full Service B&M $53,305
    Liberty Bank 29 W.F. Palmer Road Moodus, CT 6469 Full Service B&M $70,640
    Liberty Bank 31 Norwich Rd Waterford, CT 6385 Full Service B&M $45,283
    Liberty Bank 314 Flanders Road East Lyme, CT 6333 Full Service B&M $82,876
    Liberty Bank 315 Main Street Middletown, CT 6457 Full Service B&M $440,772
    Liberty Bank 333 Church Street Naugatuck, CT 6770 Full Service B&M $102,860
    Liberty Bank 357 Main Street Durham, CT 6422 Full Service B&M $67,927
    Liberty Bank 445 West Main Street Branford, CT 6405 Full Service B&M $31,527
    Liberty Bank 460 South Main Street Middletown, CT 6457 Full Service B&M $110,135
    Liberty Bank 48 East Street Plainville, CT 6062 Full Service B&M $21,118
    Liberty Bank 486 Main Street Middlefield, CT 6455 Full Service B&M $35,963
    Liberty Bank 49 Pershing Drive Derby, CT 6418 Full Service B&M $30,390
    Liberty Bank 504 Bridgeport Avenue Shelton, CT 6484 Full Service B&M $39,675
    Liberty Bank 534 Main Street Cromwell, CT 6416 Full Service B&M $78,547
    Liberty Bank 597 Long Hill Road Groton, CT 6340 Full Service B&M $36,653
    Liberty Bank 60 North Main Street Southington, CT 6489 Full Service B&M $35,150
    Liberty Bank 61 Bank Street New London, CT 6320 Full Service B&M $18,153
    Liberty Bank 64 Oak Street Glastonbury, CT 6033 Full Service B&M $76,451
    Liberty Bank 679 Main Street Willimantic, CT 6226 Full Service B&M $70,604
    Liberty Bank 7 Main Street Essex, CT 6426 Full Service B&M $35,075
    Liberty Bank 72 Berlin Road Cromwell, CT 6416 Full Service B&M $104,366
    Liberty Bank 747 Farmington Avenue New Britain, CT 6053 Full Service B&M $14,914
    Liberty Bank 77 Salem Turnpike (Route 82) Norwich, CT 6360 Full Service B&M $59,056
    Liberty Bank 774 Farmington Avenue Bristol, CT 6010 Full Service B&M $19,277
    Liberty Bank 8 East Main Street Clinton, CT 6413 Full Service B&M $73,220
    Liberty Bank 827 Washington Street Middletown, CT 6457 Full Service B&M $54,175
    Liberty Bank 852 East Main Street Meriden, CT 6450 Full Service B&M $29,917
    Liberty Bank 859 Boston Post Road Madison, CT 6443 Full Service B&M $48,130
    Liberty Bank 90 Main Street Old Saybrook, CT 6475 Full Service B&M $161,634
    Liberty Bank 909 North Colony Road Wallingford, CT 6492 Full Service B&M $107,004
    Liberty Bank 970 Farmington Ave West Hartford, CT 6107 Full Service B&M $50,763

    For 2018, Liberty Bank had 55 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $174,651
    Net interest income $146,259
    Total noninterest income $36,359
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $11,933
    Trading account gains and fees $0
    Additional Noninterest Income $24,426
    Pre-tax net operating income $46,110
    Securities gains (or losses, -) $41,071
    Income before extraordinary items $71,567
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $71,567
    Minority interest net income $0
    Net income $71,567
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $37,888

    Liberty Bank's gross interest income from loans was $174,651,000.
    Liberty Bank's net interest income from loans was $146,259,000.
    Liberty Bank's fee based income from loans was $11,933,000.
    Liberty Bank's net income from loans was $71,567,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $28,392
    Provision for credit losses $2,508
    Total noninterest expense $134,000
    Salaries and employee benefits $70,551
    Premises and equipment expense $19,232
    Additional noninterest expense $44,217
    Applicable income taxes $15,614
    Net charge-offs $976
    Cash dividends $0

    Liberty Bank's interest expense for loans was $28,392,000.
    Liberty Bank's payroll and benefits expense were $70,551,000.
    Liberty Bank's property, plant and equipment expenses $19,232,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,704,433
    Deposits held in domestic offices $3,704,433
    Deposits by Individuals, partnerships, and corporations $3,631,808
    Deposits by U.S. Government $26
    Deposits by States and political subdivisions in the U.S. $72,599
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $401,428
    Demand deposits $239,838
    Nontransaction accounts $3,303,005
    Money market deposit accounts (MMDAs) $772,545
    Other savings deposits (excluding MMDAs) $1,661,692
    Total time deposits $868,768
    Total time and savings deposits $3,464,595
    Noninterest-bearing deposits $858,917
    Interest-bearing deposits $2,845,516
    Retail deposits $3,573,239
    IRAs and Keogh plan accounts $127,835
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,093,375
    Cash & Balances due from depository institutions $239,839
    Interest-bearing balances $195,414
    Total securities $753,200
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,860,917
    Loan and leases loss allowance $34,507
    Trading account assets $0
    Bank premises and fixed assets $55,878
    Other real estate owned $459
    Goodwill and other intangibles $35,269
    All other assets $147,813

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,093,375
    Total Liabilities $4,354,499
    Total deposits $3,704,433
    Interest-bearing deposits $2,845,516
    Deposits held in domestic offices $3,704,433
    % insured (estimated) $88
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $577,243
    Subordinated debt $0
    All other liabilities $72,823

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,860,917
    Loan and leases loss allowance $34,507
    Total loans and leases (domestic) $3,895,424
    All real estate loans $3,358,833
    Real estate loans in domestic offices $3,358,833
    Construction and development loans $40,855
    Residential 1-4 family construction $16,125
    Other construction, all land development and other land $24,730
    Loans secured by nonfarm nonresidential properties $1,102,713
    Nonfarm nonresidential secured by owner-occupied properties $106,266
    Commercial real estate & other non-farm, non-residential $996,447
    Multifamily residential real estate $944,692
    1-4 family residential loans $1,270,573
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $523,184
    To non-U.S. addressees $0
    Loans to individuals $6,493
    Credit card loans $0
    Related Plans $288
    Consumer Auto Loans $668
    Other loans to individuals $5,537
    All other loans & leases $6,914
    Loans to foreign governments and official institutions $0
    Other loans $6,914
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $254,559
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,379
    Non 1-4 family restructured loans & leases $1,379
    Total loans and leases (foreign) $0

    Liberty Bank had $3,860,917,000 of loans outstanding in 2018. $3,358,833,000 of loans were in real estate loans. $40,855,000 of loans were in development loans. $944,692,000 of loans were in multifamily mortgage loans. $1,270,573,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $668,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 420 $102,085 $243,060
    Nonfarm, nonresidential loans - <$100k 28 $1,205 $43,036
    Nonfarm, nonresidential loans - $100-250k 172 $24,520 $142,558
    Nonfarm, nonresidential loans - $250k-1MM 220 $76,360 $347,091
    Commercial & Industrial, US addressed loans - <$1MM 1,397 $80,556 $57,664
    Commercial & Industrial, US addressed loans - <$100k 1,031 $19,133 $18,558
    Commercial & Industrial, US addressed loans - $100-250k 209 $17,481 $83,641
    Commercial & Industrial, US addressed loans - $250k-1MM 157 $43,942 $279,885