American Liberty Mortgage
American Liberty Mortgage has 307 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 6 mkts
Summary
What They Do Well
- Particularly strong in FHA and VA loans
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Report Card
American Liberty Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+27.2 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 196 | 63.8% | +0.251%Above | $2,641Fees | ||||
FHA Loans | 82 | 26.7% | +0.442%Above | $2,640Fees | ||||
VA Loans | — | 23 | 7.5% | -0.339%Below | $2,406Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughAcceptable
Volume196
Mix63.8%
Spread
+0.251%Above
Fees
$2,641Fees
FHA Loans
OverallSound
ProductStrong
PricingSound
Pull ThroughSound
Volume82
Mix26.7%
Spread
+0.442%Above
Fees
$2,640Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume23
Mix7.5%
Spread
-0.339%Below
Fees
$2,406Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 248 | 80.8% | +0.326%Above | $2,841Fees | ||||
Refinance | 59 | 19.2% | +0.102%Above | $1,969Fees |
Purchase
OverallSound
ProductSound
PricingAcceptable
Pull ThroughAcceptable
Volume248
Mix80.8%
Spread
+0.326%Above
Fees
$2,841Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume59
Mix19.2%
Spread
+0.102%Above
Fees
$1,969Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
307
Applications
470
Volume
$125 million
Pricing & Closing
Avg Rate Spread
+0.272%
vs. market APOR
Avg Net Fees
$2,629
Origination − Credits
Pullthrough Rate
65.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$407,215
Avg Borrower Income
$154,557
Avg Property Value
$528,082
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
10
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
10Midwest2
NEWI
South5
FLNCSCTNTX
West3
AZCOWY
Top Metro Areas by Place Specialization Score
Volume 116Mix 37.79% of portfolio
71/100
Strong
Volume 36Mix 11.73% of portfolio
63/100
Strong
Volume 43Mix 14.01% of portfolio
63/100
Strong
Volume 20Mix 6.51% of portfolio
57/100
Sound
Volume 20Mix 6.51% of portfolio
56/100
Sound
Volume 13Mix 4.23% of portfolio
48/100
SoundTop States by Place Specialization Score
1
ColoradoState
Volume 228Mix 74.27% of portfolio
76/100
Strong2
FloridaState
Volume 57Mix 18.57% of portfolio
54/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.