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American Liberty Mortgage, Incorporated
Independent Mortgage Company|Denver, CO|Multi-Region
Loans Originated
307
Applications
470
Volume
$125 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.272%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,629
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
65.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and VA loans
Report Card
American Liberty Mortgage, Incorporated performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 7 metro areas · 10 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$407,215
Average Borrower Income
$154,557
Average Property Value
$528,082
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Acceptable | 196 | 63.8% | +0.251% | $2,641 |
FHA Loans | Sound | Strong | Sound | Sound | 82 | 26.7% | +0.442% | $2,640 |
VA Loans | Strong | Strong | N/A | Strong | 23 | 7.5% | -0.339% | $2,406 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Sound | Acceptable | Acceptable | 248 | 80.8% | +0.326% | $2,841 |
Refinance | Sound | Sound | Sound | Sound | 59 | 19.2% | +0.102% | $1,969 |
Geographic Coverage
Metro Areas
6
States Served
10
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCOFLNCNESCTNTXWIWY
Top Metro Areas by Place Specialization Score
1
Denver, COMSA
Volume: 116Mix: 37.79%
Place Specialization
Strong
2
Lakeland, FLMSA
Volume: 36Mix: 11.73%
Place Specialization
Strong
3
Colorado Springs, CO, COMSA
Volume: 43Mix: 14.01%
Place Specialization
Strong
4
Greeley, CO, COMSA
Volume: 20Mix: 6.51%
Place Specialization
Sound
5
Fort Collins, COMSA
Volume: 20Mix: 6.51%
Place Specialization
Sound
6
Boulder, CO, COMSA
Volume: 13Mix: 4.23%
Place Specialization
Sound
Top States by Place Specialization Score
1
COState
Volume: 228Mix: 74.27%
Place Specialization
Strong
2
FLState
Volume: 57Mix: 18.57%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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