# LIBERTY HOME MORTGAGE CORPORATION

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


> **📋 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


LIBERTY HOME MORTGAGE CORPORATION is a independent mortgage company, headquartered in STRONGSVILLE, OH, serving borrowers across 37 states, with 993 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 87% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300B2JJHSM77T5Y41
- **Headquarters:** STRONGSVILLE, OH
- **Geographic Reach:** Near-National
- **States Served:** 37
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, NC, NE, NJ, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.5%
- **Brokered/Wholesale:** 1.5%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 13/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.853%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,391
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 993
- **Dollar Volume:** $234 million
- **Applications Received:** 1,776
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $235,866
- **Average Borrower Income:** $97,449
- **Average Property Value:** $284,245

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 386 | +0.769% | $3,403 | Sound ☺️ |
| FHA | 78/100 | 540 | +1.035% | $3,424 | Strong 😀 |
| VA | 66/100 | 49 | +0.188% | $3,115 | Strong 😀 |
| USDA | 73/100 | 17 | +0.817% | $2,554 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 338 loans, Score: 55/100 (Sound)
- Refinance: 48 loans, Score: 46/100 (Sound)

**FHA:**
- Purchase: 336 loans, Score: 76/100 (Strong)
- Refinance: 204 loans, Score: 80/100 (Exceptional)

**VA:**
- Purchase: 41 loans, Score: 66/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 732 | $166M | +0.889% | Strong 😀 |
| Refinance | 64/100 | 261 | $68M | +0.644% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 652 | 0.48% | 82/100 |
| GA | 63 | 0.05% | 56/100 |
| FL | 33 | 0.01% | 45/100 |
| AL | 20 | 0.03% | 46/100 |
| PA | 20 | 0.02% | 43/100 |
| NJ | 17 | 0.02% | 43/100 |
| SC | 17 | 0.02% | 43/100 |
| IN | 15 | 0.02% | 41/100 |
| IL | 13 | 0.01% | 39/100 |
| WI | 13 | 0.02% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cleveland, OH | OH | 304 | 83/100 |
| Non |  | 132 | 55/100 |
| Akron, OH | OH | 88 | 74/100 |
| Youngstown | OH | 42 | 62/100 |
| Columbus, OH | OH | 32 | 54/100 |
| Canton | OH | 30 | 58/100 |
| Atlanta | GA | 24 | 48/100 |
| Cincinnati, OH |  | 22 | 50/100 |
| Dayton | OH | 18 | 48/100 |
| Toledo, OH | OH | 14 | 46/100 |

## Where This Lender Ranks

LIBERTY HOME MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#15** in Akron, OH for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#18** in Akron, OH for VA Loans
  - [View Full Rankings](https://saferate.com/akron-oh/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does LIBERTY HOME MORTGAGE CORPORATION offer?

LIBERTY HOME MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does LIBERTY HOME MORTGAGE CORPORATION offer mortgages?

LIBERTY HOME MORTGAGE CORPORATION offers mortgages in 37 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, NC, NE, NJ, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY.

### How competitive are LIBERTY HOME MORTGAGE CORPORATION's mortgage rates?

LIBERTY HOME MORTGAGE CORPORATION has a pricing score of 13/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.853% above market average.

### What type of lender is LIBERTY HOME MORTGAGE CORPORATION?

LIBERTY HOME MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in STRONGSVILLE, OH.

### What is LIBERTY HOME MORTGAGE CORPORATION's loan approval success rate?

LIBERTY HOME MORTGAGE CORPORATION has a pull-through score of 54/100 (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/liberty-home-mortgage

### How to Cite

> "LIBERTY HOME MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/liberty-home-mortgage

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**[View Interactive Profile →](https://saferate.com/lenders/liberty-home-mortgage)**