What loan types does Liberty Bank Minnesota offer?

Liberty Bank Minnesota offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Liberty Bank Minnesota offer mortgages?

Liberty Bank Minnesota offers mortgages in 2 states: MN, WI.

How competitive are Liberty Bank Minnesota's mortgage rates?

Liberty Bank Minnesota has an overall pricing score of 69.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Liberty Bank Minnesota?

Liberty Bank Minnesota is a Bank headquartered in St. Cloud, MN.

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Liberty Bank Minnesota

Bank•St. Cloud, MNHQ•Direct•Reviews near you on Google

Liberty Bank Minnesota has 189 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Liberty Bank Minnesota performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+14.8 bps above market avg

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

185 loans · 0.14% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

139 loans · 0.20% above market

Sound

Top 60% of lenders

3/5

Refinance

50 loans · 0.02% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Exceptional	185	97.9%	+0.138%Above	$1,072Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Exceptional

Volume185

Mix97.9%

Spread

+0.138%Above

Fees

$1,072Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Strong	Strong	139	73.5%	+0.197%Above	$1,277Fees
Refinance	Strong	Strong	Strong	Exceptional	50	26.5%	+0.023%Above	$542Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume139

Mix73.5%

Spread

+0.197%Above

Fees

$1,277Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Exceptional

Volume50

Mix26.5%

Spread

+0.023%Above

Fees

$542Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

189

Applications

223

Volume

$58 million

Pricing & Closing

Avg Rate Spread

+0.148%

vs. market APOR

Avg Net Fees

$1,070

Origination − Credits

Pullthrough Rate

84.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$311,085

Avg Borrower Income

$138,656

Avg Property Value

$438,598

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest2

MNWI

Top Metro Areas by Place Specialization Score

St. Cloud, MNMetro

Volume 111Mix 58.73% of portfolio

90/100

Exceptional

Minneapolis, MN-WIMetro

Volume 54Mix 28.57% of portfolio

62/100

Strong

Top States by Place Specialization Score

MinnesotaState

Volume 187Mix 98.94% of portfolio

75/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.