Applications / Mortgage Analytics / Lenders / Connecticut / Liberty Bank
Middletown, CT · Savings institution · FDIC · $9.0 billion assets · 3,060 loans in 2025
Liberty Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
3,060
loans originated, 2025
3,886
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty Bank ranks fourth of 610 lenders in Hartford, and grew its loan count 24% in 2025, faster than about three in four similar savings institutions, while adding share in Springfield and Harrisburg.
Originations rose 24% to 3,060, against 14% for the typical similar lender (savings institutions making between half and twice as many loans) and 10% for the whole market. Dollar volume rose to $1.24 billion from $785.0 million, higher than more than four in five peers, as its typical loan rose to $205,000 from $155,000 and jumbo loans (larger than the conforming limit) to 6.8% from 4.5%.
Its Hartford-West Hartford-East Hartford share fell to 5.6% from 6.5%; the drop could reflect faster growth at the national lenders ahead of it, such as Rocket Mortgage. It rose in Springfield, MA to 1.4% from 0.5%, and in Harrisburg-Carlisle, PA to 1.2% from 0.0%, a market far from its Connecticut base.
Its typical rate was 5.99% against 6.65%, lower than more than nine in ten similar lenders, and higher-priced loans (a rate well above the average for similar loans) were 0.0% against 1.4%. Its lending was 98.8% conventional against 93.3%.
Low- and moderate-income (LMI) borrowers took 29.0% of its loans against 24.1%, higher than about two-thirds of similar lenders; its shares in LMI neighbourhoods (13.9%) and majority-minority neighbourhoods (13.1%) were close to peers'.
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Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Liberty Bank took 3,886 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.9% · Home improvement 23.0% · Refinance 20.6% · Other 15.5%
Conventional 98.8% · FHA 1.2% · of 3,060 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Connecticut | 2,765 | 90.4% |
| Massachusetts | 269 | 8.8% |
| Rhode Island | 18 | 0.6% |
| New Hampshire | 6 | 0.2% |
| Florida | 1 | 0.0% |
| Pennsylvania | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hartford-West Hartford-East Hartford | 1,568 |
| New Haven | 615 |
| Norwich-New London-Willimantic | 289 |
| Bridgeport-Stamford-Danbury | 138 |
| Springfield | 100 |
| Worcester | 92 |
| Cambridge-Newton-Framingham | 80 |
| Boston | 49 |
| Providence-Warwick | 19 |
| Barnstable Town | 16 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KWXO8FUM7L0E14 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 587800 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317943 | 1992–2017 |
Established 15 May 1825. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Liberty Bank's data.
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