LIBERTY BAY CREDIT UNION
LIBERTY BAY CREDIT UNION received 159 applications in 2025 and made 121 mortgages, in 14 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $245,000. Of 133 decisions, 8 were denials — 6.0%. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493007Y306QGNH6J842 |
|---|---|
| Applications received | 159 |
| Mortgages made | 121 |
| Denied | 8 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 26 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 51 | Not published | $495,000 | 3.6% |
| Refinancing | 13 | Not published | $205,000 | 12.5% |
| Cash-out refinancing | 21 | Not published | $135,000 | 12.5% |
| Other purposes | 36 | Not published | $70,000 | 2.6% |
Where LIBERTY BAY CREDIT UNION lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Plymouth County, MA | 37 | Not published | 2.5% |
| Norfolk County, MA | 27 | Not published | 6.9% |
| Middlesex County, MA | 17 | Not published | 5.3% |
| Essex County, MA | 10 | Not published | 0.0% |
| Suffolk County, MA | 9 | Under 10 loans | 18.2% |
| Bristol County, MA | 8 | Under 10 loans | 11.1% |
| Barnstable County, MA | 5 | Under 10 loans | 0.0% |
| Worcester County, MA | 4 | Under 10 loans | 0.0% |
| Hillsborough County, NH | 2 | Under 10 loans | 0.0% |
| Belknap County, NH | 1 | Under 10 loans | 0.0% |
| Providence County, RI | 1 | Under 10 loans | 0.0% |
| Rockingham County, NH | 0 | Under 10 loans | 100.0% |
| Kent County, RI | 0 | Under 10 loans | Not published |
| Newport County, RI | 0 | Under 10 loans | Not published |
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When LIBERTY BAY CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.