# American Liberty Mortgage, Incorporated

> **Canonical URL:** https://saferate.com/lenders/american-liberty-mortgage-incorporated


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


American Liberty Mortgage, Incorporated is a independent mortgage company, headquartered in Denver, CO, serving borrowers across 10 states, with 307 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 59% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 50% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300HV02VPA0FYR272
- **Headquarters:** Denver, CO
- **Geographic Reach:** Multi-Region
- **States Served:** 10
- **State List:** AZ, CO, FL, NC, NE, SC, TN, TX, WI, WY
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.272%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,629
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 307
- **Dollar Volume:** $125 million
- **Applications Received:** 470
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $407,215
- **Average Borrower Income:** $154,557
- **Average Property Value:** $528,082

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 196 | +0.251% | $2,641 | Sound ☺️ |
| FHA | 62/100 | 82 | +0.442% | $2,640 | Strong 😀 |
| VA | 60/100 | 23 | -0.339% | $2,406 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 152 loans, Score: 42/100 (Sound)
- Refinance: 44 loans, Score: 45/100 (Sound)

**FHA:**
- Purchase: 69 loans, Score: 61/100 (Strong)

**VA:**
- Purchase: 22 loans, Score: 60/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 47/100 | 248 | $103M | +0.326% | Sound ☺️ |
| Refinance | 47/100 | 59 | $22M | +0.102% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CO | 228 | 0.27% | 76/100 |
| FL | 57 | 0.02% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Denver | CO | 116 | 71/100 |
| Colorado Springs, CO | CO | 43 | 63/100 |
| Lakeland | FL | 36 | 63/100 |
| Non |  | 28 | 36/100 |
| Fort Collins | CO | 20 | 56/100 |
| Greeley, CO | CO | 20 | 57/100 |
| Boulder, CO | CO | 13 | 48/100 |

## Where This Lender Ranks

American Liberty Mortgage, Incorporated appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#20** in Colorado Springs, CO Mortgage Companies
  - [View Full Rankings](https://saferate.com/colorado-springs-co/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does American Liberty Mortgage, Incorporated offer?

American Liberty Mortgage, Incorporated offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does American Liberty Mortgage, Incorporated offer mortgages?

American Liberty Mortgage, Incorporated offers mortgages in 10 states: AZ, CO, FL, NC, NE, SC, TN, TX, WI, WY.

### How competitive are American Liberty Mortgage, Incorporated's mortgage rates?

American Liberty Mortgage, Incorporated has a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.272% above market average.

### What type of lender is American Liberty Mortgage, Incorporated?

American Liberty Mortgage, Incorporated is a non-depository lender that specializes in mortgage origination, headquartered in Denver, CO.

### What is American Liberty Mortgage, Incorporated's loan approval success rate?

American Liberty Mortgage, Incorporated has a pull-through score of 50/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/american-liberty-mortgage-incorporated

### How to Cite

> "American Liberty Mortgage, Incorporated Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/american-liberty-mortgage-incorporated

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