Applications / Mortgage Analytics / Lenders / Illinois / Liberty Bank for Savings
Chicago, IL · Savings institution · FDIC · $856 million assets · 132 loans in 2025
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132
loans originated, 2025
223
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty Bank for Savings, a Chicago savings institution, makes big, cheaply priced purchase loans, but it made 30% fewer of them in 2025, while most banks like it grew.
It made 132 loans, down from 189. Similar lenders (savings institutions making between half and twice as many loans) grew 6% and the whole market 10%; nearly all of them grew faster. Its dollar total fell to $64.2 million from $99.6 million. Weaker demand for its loans or a choice to lend less are possible reasons.
Purchases made up 75.0% of its lending, and every loan was conventional. Its typical loan was $430,000, against $245,000 at similar lenders, larger than at more than four in five of them. It lends in six Illinois counties.
Its typical rate was 6.25%, against 6.50% at similar lenders, lower than at nearly all of them. None of its loans was higher-priced (a rate well above the average for similar loans), against 0.9% at similar lenders.
Low- and moderate-income borrowers took 12.1% of its loans, against 24.7%, lower than at more than nine in ten similar lenders. Its large loans and its Chicago market are possible reasons. Majority-minority neighborhoods took 25.0%, against 6.1%, more than at more than four in five.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 for Savings took 223 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.0% · Refinance 23.5% · Home improvement 0.8% · Other 0.8%
Conventional 100.0% · of 132 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 |
|---|---|---|
| Illinois | 132 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 124 |
| Lake County | 7 |
| Elgin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000TY1MM1LLTM666 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 757377 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42758 | 1990–1995 |
| Respondent ID (the HMDA filer code before 2018) | 329009 | 1996–2017 |
Established 1 January 1898. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Liberty Bank for Savings's data.
Liberty Bank for Savings's data
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Liberty Bank for Savings and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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