Apply for Mortgage Lending

Apply Now for a New Loan

Ready to explore your home financing options with Liberty Bank? Select Apply Now – Purchase and start by creating an account and submitting an application. A lender will follow up to answer questions and outline next steps. Not sure what you need to apply? Check out our required documents list to help complete your application.

Apply Now – Purchase

Refinance an Existing Loan

Have an existing mortgage and are looking to refinance? Choose Apply Now – Refinance and start by creating an account and submitting an application. A lender will contact you to review your goals and next steps.

Apply Now – Refinance

If you have questions along the way, we’re here for you. Reach our local team anytime at 773.594.6647.

Whether you’re a first-time home buyer interested in a conventional fixed-rate mortgage or are exploring an adjustable-rate option, we’ve got you covered.

Ready to take the next steps as a homeowner?

We offer a wide range of mortgage services, including home and commercial real estate loans, as well as refinancing. Liberty Bank has the knowledge, experience, and lending products to meet your specific needs:

Free, fully underwritten pre-approvals (to help buyers shop with confidence).
Rate lock for up to 90 days and a float-down option if rates drop before closing.
No rate adjustments on loans up to $2 million at 80% LTV.
In-house processing and underwriting for faster decisions and dependable closings.
Consistent communication from the same loan officer throughout the process — no call centers.

When you work with Liberty Bank for your home loan needs, as your Chicagoland lending experts, you can expect that we will:

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Locally Based, Locally Focused

Most of our mortgages are originated and serviced right here in Chicago. That means all of our lending decisions are made locally, and the dollars our customers invest go right back into the community.

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Long-Term Relationships

Many of our customers –and even our employees– have been with us for decades. These lasting relationships are built on trust and continuity. We’re proud to have helped generations of Chicago families buy, refinance, and move up to their next home.

Chicago bungalow houses on a quiet street

Trusted Neighborhood Presence

Our branches are more than places to bank—they’re part of the neighborhood. Customers often stop in not just to bank, but to connect, celebrate milestones or join community events. Those connections help us understand what matters most to local homeowners.

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A Culture Built on People, Not Profits

As a mutual bank, we’re accountable only to our customers, not stockholders. That independence lets us keep our focus where it belongs — on helping our neighbors reach their homeownership goals with fairness, transparency, and care.