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.
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
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 |
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 |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
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)
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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