At a glance
From its website, read 2 Nov 2026Liberty Financial Services, Inc. is a bank holding company based in New Orleans, Louisiana. Its website describes auto loans, commercial real estate loans, equipment loans and 5 other loan types. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.libertybank.net |
| Office (official list) | 6600 Plaza Dr Suite 600, New Orleans, LA 70127 |
What their website says about applying
You can begin the application process online by
sourceProof of identity, such as a driver's license or another form of identification
sourceProof of income and employment, such as pay stubs and/or bank statements
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Rate stated, not as an APR: see their wording | 9% to 18% | source |
| Personal / consumer loans | Term: see their wording | 12 to 36 Months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
Borrowers with less-than-stellar credit
source - No or thin credit history considered
If you don't have extensive job or credit history, or need a loan that offers favorable conditions for a lower down payment, you may qualify for an FHA loan.
source - Collateral flexible or not always required
Less than typically required collateral coverage
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | 1130548 |
| Address | 6600 Plaza Dr Suite 600, New Orleans, LA 70127 Directions (Google Maps) |
| Website | www.libertybank.net |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No service area or languages are stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | For many, a working vehicle is an everyday necessity. That's why we offer flexible loans with competitive interest rates for both new and used vehicles. | source |
| Commercial real estate loans | — | Whether purchasing existing owner-occupied or rental properties for your business, or building them from the ground up, we offer solid Commercial Real Estate Loans | source |
| Equipment loans | — | With a flexible term and down payment, Liberty Bank can offer the Equipment Financing your business needs | source |
| Home repair / improvement loans | — | With a Renovation loan, you will have funds for a wide range of renovation projects, from repairs and energy updates | source |
| Home mortgages | — | With a mortgage loan from Liberty Bank, you're free to pursue your dreams for homeownership | source |
| Personal / consumer loans | up to $25,000 | Available at amounts up to $25,000, these loans are an excellent choice if you need | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | SBA Loans | source |
| Small-business loans | — | The Lightning Loan for Small Business can be used for a variety of purposes including Business Vehicle Purchases, Working Capital Refinancing Debt, Inventory Purchases, Equipment Financing, Accounts Receivable, Improvements/Expansion, and other | source |
Loan sizes
Service area
Not stated on the pages we read.
Borrower focus
- Veterans
U.S. Military personnel may qualify for a Veteran Affairs loan, which is a federally insured option that makes home buying more affordable
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. You can begin the application process online by
source
Pages read (7)
- https://www.libertybank.net/
- https://www.libertybank.net/personal-banking/personal-lending/personal-loans/
- https://www.libertybank.net/commercial-banking/team/
- https://www.libertybank.net/personal-banking/personal-lending/
- https://www.libertybank.net/business-banking/lending-financing/
- https://www.libertybank.net/resources/financial-wellness-program/
- https://www.libertybank.net/personal-banking/home-mortgage-loans/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$14 million in 8 awards from the U.S. Treasury's CDFI Fund, 2008–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $6,197,097 |
| 2022 | CDFI Program, Financial Assistance | $717,900 |
| 2020 | CDFI Program, Financial Assistance | $887,500 |
| 2018 | CDFI Program, Financial Assistance | $950,000 |
| 2017 | CDFI Program, Financial Assistance | $826,905 |
| 2013 | CDFI Program, Financial Assistance | $1,347,000 |
| 2009 | CDFI Program, Financial Assistance | $2,000,000 |
| 2008 | CDFI Program, Financial Assistance | $1,096,470 |
New Markets Tax Credit allocations
$140 million in 3 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2024 | New Markets Tax Credit allocation | $65,000,000 |
| 2021 | New Markets Tax Credit allocation | $40,000,000 |
| 2010 | New Markets Tax Credit allocation | $35,000,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $133 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: Liberty Bank and Trust Company (FDIC cert 20856, total assets $1.1 billion). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.1 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 16 in 10 states (as of 30 Oct 2026) |
Offices by state and county (16)
Louisiana (6 offices)
- East Baton Rouge Parish (2): 4707 Perkins Rd, Baton Rouge 70808; 7990 Scenic Hwy, Baton Rouge 70807
- Orleans Parish (4): 2714 Canal St, New Orleans 70119; 3002 Gentilly Blvd, New Orleans 70122; 3535 General Degaulle Dr, New Orleans 70114; 7200 Crowder Blvd, New Orleans 70127
Alabama (2 offices)
- Macon County (1): 301 N Elm St, Tuskegee 36083
- Montgomery County (1): 4141 Carmichael Rd, Montgomery 36106
Georgia (1 office)
- DeKalb County (1): 3006 Clairmont Rd Ne, Brookhaven 30329
Illinois (1 office)
- Cook County (1): 7610 Roosevelt Rd, Forest Park 60130
Kansas (1 office)
- Wyandotte County (1): 4850 State Ave, Kansas City 66102
Michigan (1 office)
- Wayne County (1): 9108 Woodward Ave, Detroit 48202
Mississippi (1 office)
- Hinds County (1): 2325 Livingston Rd, Jackson 39213
Missouri (1 office)
- Jackson County (1): 4701 Troost Ave, Kansas City 64110
Tennessee (1 office)
- Shelby County (1): 4606 Elvis Presley Blvd, Memphis 38116
Texas (1 office)
- Harris County (1): 1509 Wentworth St, Houston 77004
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, Liberty Bank and Trust Company (RSSD 283438, FDIC cert 20856), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $636.3 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 2.7% from $619.8 million on 30 Jun 2025 |
| Total assets | $1.13 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $224.5 million | 35.3% |
| Home equity lines of credit | $4.5 million | 0.7% |
| Commercial real estate, construction and multifamily | $288.2 million | 45.3% |
| Commercial and industrial (business) loans | $73.6 million | 11.6% |
| Farmland and farm production loans | $199,000 | <0.1% |
| Consumer loans (credit cards, auto, other) | $14.7 million | 2.3% |
| All other loans and leases | $30.6 million | 4.8% |
Within consumer loans: auto loans $1.8 million, credit cards $6.8 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 18 loans $839,000 | 192 loans $5.2 million |
| $100,001 to $250,000 | 15 loans $2.8 million | 24 loans $2.4 million |
| $250,001 to $1 million | 39 loans $22.3 million | 23 loans $10.1 million |
| All small business loans | 72 loans $25.9 million | 239 loans $17.7 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | none reported | none reported |
| $100,001 to $250,000 | none reported | 2 loans $199,000 |
| $250,001 to $500,000 | none reported | none reported |
| All small farm loans | none reported | 2 loans $199,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists Liberty Financial Services, Inc. as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Liberty Bank and Trust Company: 192 originated home loans
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.13 billion | Larger than 94% of the 72 other certified banks and bank holding companies in Louisiana (median $318.5 million). |
| Loans as a share of assets | 56% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $619.8 million → $636.3 million (+3%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +4%. Rank by loans held among these 73: 5 → 5. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 94% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 5 → 5 of 73 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Liberty Bank and Trust Company is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in New Orleans and Louisiana
- Instep Federal Credit UnionCredit union · New Orleans, LAAuto / vehicle loans, Personal / consumer loansVerified
- Liberty Bank and Trust CompanyBank or thrift · New Orleans, LAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…Verified
- NEWCORP, INC.Loan fund · New Orleans, LAMicroloansVerified
- UNO FEDERAL CREDIT UNIONCredit union · New Orleans, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
Work at Liberty Financial Services, Inc.? Link to this page
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