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 score and performance metrics.

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 an overall pricing score of 13/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is LIBERTY HOME MORTGAGE CORPORATION?

LIBERTY HOME MORTGAGE CORPORATION is a Independent Mortgage Company headquartered in STRONGSVILLE, OH.

Unclaimed

Liberty Home Mortgage Corporation

Independent Mortgage Company•STRONGSVILLE, OH•Direct to Consumer

We analyzed every closed loan from Liberty Home Mortgage — 993 loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA · USDA

Place

Sound

Near-National · 9 mkts

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Safe Rate's Summary

What They Do Well

Particularly strong in FHA and VA and USDA loans
Nationwide availability with consistent service

Things to Think About

Rates typically 85 basis points above market average

Explore another lender or local market

Report Card

Liberty Home Mortgage Corporation performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +85.3 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Strong	Highly Competitive Top 40% of lenders
USDA	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National10 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Acceptable	386	38.9%	+0.769%Above	$3,403Fees
FHA Loans	Acceptable	Strong	Mediocre	Sound	540	54.4%	+1.035%Above	$3,424Fees
VA Loans	Acceptable	Strong	Mediocre	Sound	49	4.9%	+0.188%Above	$3,115Fees
USDA Loans	Sound	Strong	—	Sound	17	1.7%	+0.817%Above	$2,554Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Strong	Mediocre	Sound	732	73.7%	+0.889%Above	$3,270Fees
Refinance	Acceptable	Strong	Mediocre	Acceptable	261	26.3%	+0.644%Above	$4,082Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

993

Applications

1,776

Volume

$234 million

Pricing & Closing

Avg Rate Spread

+0.853%

vs. market APOR

Avg Net Fees

$3,391

Origination − Credits

Pullthrough Rate

55.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$235,866

Avg Borrower Income

$97,449

Avg Property Value

$284,245

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACOCTDEFLGAIAILINKSKYLAMAMDMEMIMNMSNCNENJOHOKORPASCTNTXUTVAWAWIWVWY

Top Metro Areas by Place Specialization Score

Cleveland, OH, OHMSA

Volume: 304Mix: 30.61%of portfolio

Place

Exceptional

Akron, OH, OHMSA

Volume: 88Mix: 8.86%of portfolio

Place

Strong

Youngstown, OHMSA

Volume: 42Mix: 4.23%of portfolio

Place

Strong

Canton, OHMSA

Volume: 30Mix: 3.02%of portfolio

Place

Sound

Columbus, OH, OHMSA

Volume: 32Mix: 3.22%of portfolio

Place

Sound

Cincinnati, OHMSA

Volume: 22Mix: 2.22%of portfolio

Place

Sound

Atlanta, GAMSA

Volume: 24Mix: 2.42%of portfolio

Place

Sound

Dayton, OHMSA

Volume: 18Mix: 1.81%of portfolio

Place

Sound

Toledo, OH, OHMSA

Volume: 14Mix: 1.41%of portfolio

Place

Sound

Top States by Place Specialization Score

OHState

Volume: 652Mix: 65.66%of portfolio

Place

Exceptional

GAState

Volume: 63Mix: 6.34%of portfolio

Place

Sound

ALState

Volume: 20Mix: 2.01%of portfolio

Place

Sound

FLState

Volume: 33Mix: 3.32%of portfolio

Place

Sound

PAState

Volume: 20Mix: 2.01%of portfolio

Place

Sound

NJState

Volume: 17Mix: 1.71%of portfolio

Place

Sound

SCState

Volume: 17Mix: 1.71%of portfolio

Place

Sound

INState

Volume: 15Mix: 1.51%of portfolio

Place

Sound

WIState

Volume: 13Mix: 1.31%of portfolio

Place

Sound

ILState

Volume: 13Mix: 1.31%of portfolio

Place

Acceptable

Showing 10 of 12 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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.