We analyzed every closed loan from Liberty — 2.9k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 14 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Refinance
Superstar
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
Explore another lender or local market
Report Card
Liberty performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+41.4 bps above market avg
4/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
2,191 loans · 0.43% above market
Exceptional
Top 20% of lenders
5/5
FHA
440 loans · 0.43% above market
Exceptional
Top 20% of lenders
5/5
VA
73 loans · 0.02% above market
Strong
Top 40% of lenders
4/5
Jumbo
101 loans · 0.54% above market
Strong
Top 40% of lenders
4/5
USDA
44 loans · 0.09% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,481 loans · 0.39% above market
Exceptional
Top 20% of lenders
5/5
Refinance
370 loans · 0.60% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Near-National · 15 markets
Strong
Top 40% of lenders
4/5
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 |
Conventional
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume2,191
Mix76.9%
Spread
+0.426%Above
Fees
$1,175Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume440
Mix15.4%
Spread
+0.433%Above
Fees
$1,230Fees
VA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume73
Mix2.6%
Spread
+0.021%Above
Fees
$1,740Fees
Jumbo Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughStrong
Volume101
Mix3.5%
Spread
+0.536%Above
Fees
$1,904Fees
USDA Loans
OverallStrong
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume44
Mix1.5%
Spread
+0.088%Above
Fees
$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 |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume2,481
Mix87.0%
Spread
+0.388%Above
Fees
$1,234Fees
Refinance
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume370
Mix13.0%
Spread
+0.598%Above
Fees
$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
markets with activity
States Served
33
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
33Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast2
PARI
Midwest10
IAILINKSMIMNMONEOHWI
South15
ALARFLGAKYLAMDMSNCOKSCTNTXVAWV
West6
AZCACOORWAWY
Top Metro Areas by Place Specialization Score
Showing 10 of 14 metro areas
Top States by Place Specialization Score
Showing 10 of 15 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.