We analyzed every closed loan from Liberty Bank — 721 loans across 880 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 6 mkts
Awards
Jumbo
Champion
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 15.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
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Report Card
Liberty Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 15.5 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 7 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 657 | 91.1% | -0.138%Below | $125Credit | ||||
Jumbo Loans | 56 | 7.8% | -0.552%Below | $515Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume657
Mix91.1%
Spread
-0.138%Below
Fees
$125Credit
Jumbo Loans
OverallExceptional
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume56
Mix7.8%
Spread
-0.552%Below
Fees
$515Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 649 | 90.0% | -0.187%Below | $109Credit | ||||
Refinance | 72 | 10.0% | +0.115%Above | $320Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume649
Mix90.0%
Spread
-0.187%Below
Fees
$109Credit
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume72
Mix10.0%
Spread
+0.115%Above
Fees
$320Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
721
Applications
880
Volume
$275 million
Pricing & Closing
Avg Rate Spread
-0.155%
vs. market APOR
Avg Net Fees
$-63
Origination − Credits
Pullthrough Rate
81.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$382,684
Avg Borrower Income
$177,784
Avg Property Value
$538,578
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
2Northeast2
CTMA
Top Metro Areas by Place Specialization Score
Volume 355Mix 49.24% of portfolio
91/100
Exceptional
Volume 137Mix 19.00% of portfolio
87/100
Exceptional
Volume 54Mix 7.49% of portfolio
78/100
Strong
Volume 70Mix 9.71% of portfolio
75/100
Strong
Volume 41Mix 5.69% of portfolio
64/100
Strong
Volume 23Mix 3.19% of portfolio
55/100
SoundTop States by Place Specialization Score
1
ConnecticutState
Volume 682Mix 94.59% of portfolio
91/100
Exceptional2
MassachusettsState
Volume 39Mix 5.41% of portfolio
53/100
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.