Applications / Mortgage Analytics / Lenders / Iowa / Liberty National Bank
Sioux City, IA · National bank · OCC · $603 million assets · 33 loans in 2025
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33
loans originated, 2025
38
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty National Bank is a small refinancing lender in South Dakota and Iowa, making 33 loans in 2025, a fraction of the 120 it made in 2020.
Refinances made up 51.5% of its loans in 2025 and home purchases only 33.3%. Every loan was conventional, with no government backing. Its typical loan, $245,000, was larger than at about two-thirds of similar lenders (national banks making between half and twice as many loans), whose typical loan was $180,000.
Its loans rose 10%, from 30 to 33, while similar lenders' fell 2% and the whole market grew 10%. That is faster than about two-thirds of its peers, but on numbers this small a few loans make the difference.
The bank made 120 loans in 2020, 107 in 2021 and 90 in 2022, then 33 in 2023. It has stayed near that level since. The data do not say why lending fell so far.
In Sioux City, where it has lent since 1993, its share fell to 0.3% from 0.5%, ranking it 48 of 167 lenders. Its share in Sioux Falls slipped to 0.1% from 0.2%, while in Des Moines it rose to 0.1%. With so few loans, a handful either way can explain each of these moves.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 National Bank took 38 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 51.5% · Purchase 33.3% · Home improvement 9.1% · Other 6.1%
Conventional 100.0% · of 33 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 |
|---|---|---|
| South Dakota | 15 | 45.5% |
| Iowa | 7 | 21.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sioux City | 11 |
| Sioux Falls | 7 |
| Des Moines-West Des Moines | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OZ8A612R2D8J95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3140822 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124378 | 2004–2017 |
Established 17 March 2003. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Liberty National Bank's data.
Liberty National Bank's data
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Liberty National Bank 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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