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We analyzed every closed loan from Liberty — 2.9k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Strong
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
Near-National · 14 mkts
Safe Rate Awards💎USDA Champion⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
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Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
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Report Card
Liberty performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Highly Competitive +41.4 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Near-National15 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,191 | 76.9% | +0.426%Above | $1,175Fees | ||||
FHA Loans | 440 | 15.4% | +0.433%Above | $1,230Fees | ||||
VA Loans | 73 | 2.6% | +0.021%Above | $1,740Fees | ||||
Jumbo Loans | 101 | 3.5% | +0.536%Above | $1,904Fees | ||||
USDA Loans | 44 | 1.5% | +0.088%Above | $923Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,481 | 87.0% | +0.388%Above | $1,234Fees | ||||
Refinance | 370 | 13.0% | +0.598%Above | $1,012Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,851
Applications
3,778
Volume
$805 million
Pricing & Closing
Avg Rate Spread
+0.414%
vs. market APOR
Avg Net Fees
$1,206
Origination − Credits
Pullthrough Rate
75.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$282,689
Avg Borrower Income
$142,276
Avg Property Value
$376,280
Geographic Coverage
Geographic Performance
Metro Areas
14
States Served
33
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOFLGAIAILINKSKYLAMDMIMNMOMSNCNEOHOKORPARISCTNTXVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Owensboro, KY, KYMSA
Volume: 480Mix: 16.84%of portfolio
Place
Exceptional2
Evansville, IN, INMSA
Volume: 609Mix: 21.36%of portfolio
Place
Exceptional3
Bowling Green, KY, KYMSA
Volume: 120Mix: 4.21%of portfolio
Place
Exceptional4
Louisville/Jefferson County, KY, KY-INMSA
Volume: 159Mix: 5.58%of portfolio
Place
Strong5
Nashville, TNMSA
Volume: 185Mix: 6.49%of portfolio
Place
Strong6
Pittsburgh, PA, PAMSA
Volume: 78Mix: 2.74%of portfolio
Place
Strong7
Jackson, MS, MSMSA
Volume: 49Mix: 1.72%of portfolio
Place
Strong8
Richmond, VA, VAMSA
Volume: 34Mix: 1.19%of portfolio
Place
Sound9
Atlanta, GAMSA
Volume: 48Mix: 1.68%of portfolio
Place
Sound10
Marietta, GA, GAMSA
Volume: 23Mix: 0.81%of portfolio
Place
SoundShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
KYState
Volume: 1,083Mix: 37.99%of portfolio
Place
Exceptional2
INState
Volume: 869Mix: 30.48%of portfolio
Place
Exceptional3
TNState
Volume: 286Mix: 10.03%of portfolio
Place
Strong4
GAState
Volume: 110Mix: 3.86%of portfolio
Place
Sound5
MSState
Volume: 67Mix: 2.35%of portfolio
Place
Sound6
PAState
Volume: 84Mix: 2.95%of portfolio
Place
Sound7
VAState
Volume: 66Mix: 2.31%of portfolio
Place
Sound8
ILState
Volume: 50Mix: 1.75%of portfolio
Place
Sound9
SCState
Volume: 31Mix: 1.09%of portfolio
Place
Sound10
ALState
Volume: 26Mix: 0.91%of portfolio
Place
SoundShowing 10 of 15 states
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.