Liberty Home Mortgage Corporation Rates, Fees & Info

ST MARYS, OH

LEI: 549300B2JJHSM77T5Y41

Tax ID: 46-3525878

2.9 stars - Updated: 5/14/24 - out of 5 stars, based on 37 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Review & Overview

Liberty Home Mortgage Corporation is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. They have a a high proportion of FHA loans. Liberty Home Mortgage Corporation has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Cleveland, Akron, Atlanta, Chicago, and Washington among others. We have data for 250 markets. (Some data included below & more in-depth data is available with an active subscription.)

Liberty Home Mortgage Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Liberty Home Mortgage Corporation is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 7.03% 5/14/24
30 Year Conventional Refi 7.00% 5/14/24
30 Year Cash-out Refi 7.03% 5/14/24
30 Year FHA Purchase 7.57% 5/14/24
30 Year FHA Refi 7.47% 5/14/24
30 Year VA Purchase 6.61% 5/14/24
30 Year VA Refi 6.51% 5/14/24
30 Year USDA Purchase 6.92% 5/14/24
15 Year Conventional Purchase 6.59% 5/14/24
15 Year Conventional Refi 6.60% 5/14/24
15 Year Cash-out Refi 6.60% 5/14/24
15 Year FHA Purchase 8.13% 5/14/24
15 Year VA Purchase 6.59% 5/14/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Liberty Home Mortgage Corporation Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Liberty Home Mortgage Corporation. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,347

Origination Dollar Volume (All Markets)

$287,495,000

Awards

LIBERTY HOME MORTGAGE CORPORATION FHA Loans bronze
Show all (1) awards

Relative Rate

Liberty Home Mortgage Corporation's average 30 year fixed mortgage rate was 7.01%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.53%.

Relative Fees (Closing Costs)

Liberty Home Mortgage Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $9,610.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 376 $72,850,000 $193,750 $6,947 7.05%
AKRON, OH (FHA|USDA|VA) 113 $20,765,000 $183,761 $6,565 7.13%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 53 $14,215,000 $268,208 $10,566 7.07%
Outside of Metro Areas 54 $9,930,000 $183,889 $8,324 7.21%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 28 $7,640,000 $272,857 $16,359 6.83%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 17 $6,595,000 $387,941 $21,879 7.17%
CANTON-MASSILLON, OH (FHA|USDA|VA) 35 $6,125,000 $175,000 $6,156 7.27%
COLUMBUS, OH (FHA|USDA|VA) 25 $5,945,000 $237,800 $8,318 7.32%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 39 $5,825,000 $149,359 $5,992 7.46%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 25 $4,795,000 $191,800 $8,686 7.28%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 12 $4,700,000 $391,667 $22,176 6.86%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 9 $3,685,000 $409,444 $15,373 7.44%
Ashtabula, OH (FHA|USDA|VA) 23 $3,625,000 $157,609 $6,352 7.49%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 12 $3,540,000 $295,000 $13,882 6.39%
DAYTON-KETTERING, OH (FHA|USDA|VA) 20 $3,050,000 $152,500 $6,750 7.01%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 13 $2,935,000 $225,769 $13,962 7.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 9 $2,665,000 $296,111 $21,560 7.01%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 11 $2,665,000 $242,273 $15,035 6.64%
Zanesville, OH (FHA|USDA|VA) 13 $2,375,000 $182,692 $6,672 7.03%
JACKSONVILLE, FL (FHA|USDA|VA) 8 $2,070,000 $258,750 $13,609 7.05%
COLUMBIA, SC (FHA|USDA|VA) 9 $2,065,000 $229,444 $11,481 6.17%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 9 $1,965,000 $218,333 $8,820 7.89%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 11 $1,955,000 $177,727 $10,367 7.52%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 8 $1,830,000 $228,750 $11,069 7.27%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 6 $1,800,000 $300,000 $19,326 6.98%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 5 $1,745,000 $349,000 $14,022 7.65%
TOLEDO, OH (FHA|USDA|VA) 11 $1,655,000 $150,455 $7,680 7.10%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $1,625,000 $325,000 $25,378 7.72%
MANSFIELD, OH (FHA|USDA|VA) 7 $1,435,000 $205,000 $7,005 7.86%
Enterprise, AL (FHA|USDA|VA) 4 $1,340,000 $335,000 $5,217 7.00%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $1,180,000 $295,000 $15,991 6.91%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,155,000 $231,000 $16,301 7.03%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 4 $1,140,000 $285,000 $19,479 7.78%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $1,105,000 $221,000 $8,824 8.05%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 4 $1,080,000 $270,000 $15,345 7.34%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 5 $1,045,000 $209,000 $6,229 7.58%
Statesboro, GA (FHA|USDA|VA) 3 $1,025,000 $341,667 $9,751 7.46%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $1,020,000 $510,000 $26,780 7.06%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $990,000 $495,000 $30,329 6.63%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $980,000 $490,000 $29,128 7.56%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 3 $925,000 $308,333 $21,708 7.25%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $915,000 $305,000 $16,433 6.83%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $915,000 $305,000 $17,261 6.42%
ERIE, PA (FHA|USDA|VA) 4 $880,000 $220,000 $10,590 7.06%
HUNTSVILLE, AL (FHA|USDA|VA) 3 $875,000 $291,667 $13,519 6.58%
MOBILE, AL (FHA|USDA|VA) 4 $860,000 $215,000 $6,292 8.03%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $835,000 $278,333 $12,438 7.17%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $830,000 $207,500 $12,201 7.03%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 4 $810,000 $202,500 $7,000 6.97%
Rutland, VT (FHA|USDA|VA) 3 $805,000 $268,333 $15,183 6.38%
SPRINGFIELD, OH (FHA|USDA|VA) 5 $785,000 $157,000 $8,552 6.98%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $780,000 $195,000 $10,550 7.16%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $765,000 $255,000 $17,801 6.29%
SAVANNAH, GA (FHA|USDA|VA) 3 $765,000 $255,000 $11,709 7.04%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $760,000 $190,000 $5,290 6.78%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $750,000 $375,000 $26,629 6.56%
JACKSON, MS (FHA|USDA|VA) 3 $735,000 $245,000 $7,675 7.54%
SPARTANBURG, SC (FHA|USDA|VA) 3 $735,000 $245,000 $17,183 7.42%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $725,000 $725,000 $12,120 7.13%
ST. GEORGE, UT (FHA|USDA|VA) 1 $725,000 $725,000 $34,710 6.38%
REDDING, CA (FHA|USDA|VA) 3 $725,000 $241,667 $6,304 6.67%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $725,000 $241,667 $15,156 6.58%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $715,000 $715,000 $30,575 6.63%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $705,000 $235,000 $14,482 6.38%
SUMTER, SC (FHA|USDA|VA) 3 $675,000 $225,000 $5,391 7.29%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $670,000 $335,000 $17,736 7.19%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 4 $670,000 $167,500 $8,444 7.19%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 2 $670,000 $335,000 $20,766 7.13%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $665,000 $221,667 $5,906 7.08%
PITTSBURGH, PA (FHA|USDA|VA) 7 $665,000 $95,000 $7,823 7.73%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $660,000 $330,000 $9,509 8.38%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $660,000 $330,000 $20,714 6.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $655,000 $218,333 $16,278 6.71%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $650,000 $162,500 $7,338 8.34%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 4 $640,000 $160,000 $8,194 6.97%
COLUMBUS, GA-AL (FHA|USDA|VA) 3 $635,000 $211,667 $8,942 7.42%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $630,000 $315,000 $13,720 7.06%
ROCKFORD, IL (FHA|USDA|VA) 2 $620,000 $310,000 $18,889 6.06%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $620,000 $310,000 $22,384 8.00%
New Philadelphia-Dover, OH (FHA|USDA|VA) 3 $615,000 $205,000 $9,115 7.00%
Opelousas, LA (FHA|USDA|VA) 2 $600,000 $300,000 $12,051 7.69%
SALEM, OR (FHA|USDA|VA) 2 $590,000 $295,000 $22,716 7.50%
CORVALLIS, OR (FHA|USDA|VA) 1 $565,000 $565,000 $19,539 5.13%
Key West, FL (FHA|USDA|VA) 1 $555,000 $555,000 $14,929 7.25%
Sandusky, OH (FHA|USDA|VA) 4 $550,000 $137,500 $5,056 7.66%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $530,000 $265,000 $6,583 7.19%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 3 $515,000 $171,667 $8,190 7.71%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $515,000 $515,000 $6,047 6.75%
SAN ANGELO, TX (FHA|USDA|VA) 2 $510,000 $255,000 $12,689 7.44%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $490,000 $245,000 $18,262 7.19%
EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $485,000 $161,667 $7,956 7.50%
APPLETON, WI (FHA|USDA|VA) 1 $485,000 $485,000 $28,720 6.63%
YORK-HANOVER, PA (FHA|USDA|VA) 3 $475,000 $158,333 $8,364 7.25%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $465,000 $465,000 $18,614 6.50%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $465,000 $465,000 $27,392 6.50%
PEORIA, IL (FHA|USDA|VA) 2 $460,000 $230,000 $14,719 6.19%
Point Pleasant, WV-OH (FHA|USDA|VA) 3 $455,000 $151,667 $4,845 8.71%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 3 $455,000 $151,667 $4,026 7.13%
Selinsgrove, PA (FHA|USDA|VA) 2 $450,000 $225,000 $12,139 7.13%
JOHNSTOWN, PA (FHA|USDA|VA) 3 $445,000 $148,333 $4,541 6.46%
Vineyard Haven, MA (FHA|USDA|VA) 1 $445,000 $445,000 $31,085 6.13%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $435,000 $145,000 $10,410 6.67%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $410,000 $205,000 $14,522 6.88%
Traverse City, MI (FHA|USDA|VA) 1 $405,000 $405,000 $16,820 7.13%
Wooster, OH (FHA|USDA|VA) 2 $400,000 $200,000 $7,878 7.13%
Marion, OH (FHA|USDA|VA) 3 $395,000 $131,667 $6,411 7.00%
DOVER, DE (FHA|USDA|VA) 1 $395,000 $395,000 $24,781 7.63%
CHARLESTON, WV (FHA|USDA|VA) 3 $395,000 $131,667 $7,791 7.08%
HAMMOND, LA (FHA|USDA|VA) 2 $390,000 $195,000 $11,034 6.31%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $385,000 $385,000 $29,074 8.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $380,000 $190,000 $14,935 6.38%
Wilmington, OH (FHA|USDA|VA) 2 $370,000 $185,000 $6,682 7.06%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $370,000 $185,000 $9,810 7.13%
Norwalk, OH (FHA|USDA|VA) 2 $360,000 $180,000 $7,209 7.38%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $355,000 $355,000 $26,755 7.50%
Mount Vernon, OH (FHA|USDA|VA) 2 $350,000 $175,000 $9,637 7.06%
BATON ROUGE, LA (FHA|USDA|VA) 1 $335,000 $335,000 $21,277 6.88%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $335,000 $335,000 $19,108 6.38%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $330,000 $165,000 $8,943 6.75%
Mount Airy, NC (FHA|USDA|VA) 1 $325,000 $325,000 $20,263 6.63%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $325,000 $325,000 $23,292 7.38%
MORGANTOWN, WV (FHA|USDA|VA) 1 $325,000 $325,000 $23,083 6.63%
Celina, OH (FHA|USDA|VA) 1 $315,000 $315,000 $16,636 6.75%
ALBANY, GA (FHA|USDA|VA) 2 $310,000 $155,000 $4,643 6.88%
Elizabeth City, NC (FHA|USDA|VA) 2 $310,000 $155,000 $5,590 8.63%
BEND, OR (FHA|USDA|VA) 1 $305,000 $305,000 $14,100 6.63%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $305,000 $305,000 $20,808 7.50%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $305,000 $305,000 $18,763 7.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $300,000 $150,000 $12,735 6.88%
Athens, OH (FHA|USDA|VA) 2 $300,000 $150,000 $8,625 6.94%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $300,000 $150,000 $8,897 7.38%
LYNCHBURG, VA (FHA|USDA|VA) 1 $295,000 $295,000 $21,303 7.50%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $295,000 $295,000 $16,588 6.25%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $295,000 $295,000 $19,097 7.00%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $285,000 $285,000 $20,376 6.63%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $285,000 $285,000 $19,443 6.13%
BRUNSWICK, GA (FHA|USDA|VA) 1 $285,000 $285,000 $19,119 6.75%
MIDLAND, MI (FHA|USDA|VA) 1 $285,000 $285,000 $12,197 7.50%
MODESTO, CA (FHA|USDA|VA) 1 $285,000 $285,000 $17,149 7.25%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $285,000 $285,000 $19,862 6.75%
Salem, OH (FHA|USDA|VA) 2 $280,000 $140,000 $2,722 9.25%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $275,000 $275,000 $7,278 7.13%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $275,000 $275,000 $20,360 7.00%
WICHITA, KS (FHA|USDA|VA) 1 $275,000 $275,000 $19,717 6.88%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $270,000 $135,000 $9,297 7.56%
Danville, VA (FHA|USDA|VA) 1 $265,000 $265,000 $19,755 7.63%
DULUTH, MN-WI (FHA|USDA|VA) 1 $265,000 $265,000 $14,474 5.13%
Atmore, AL (FHA|USDA|VA) 1 $265,000 $265,000 $18,195 6.63%
ASHEVILLE, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,473 7.00%
GAINESVILLE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $15,356 7.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $255,000 $255,000 $13,707 7.13%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $255,000 $255,000 $18,858 7.50%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $255,000 $255,000 $18,644 7.13%
Ozark, AL (FHA|USDA|VA) 1 $255,000 $255,000 $12,545 7.50%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $250,000 $125,000 $8,989 6.94%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $245,000 $245,000 $23,410 7.25%
Red Bluff, CA (FHA|USDA|VA) 1 $245,000 $245,000 $14,690 6.50%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $245,000 $245,000 $18,472 7.25%
St. Marys, GA (FHA|USDA|VA) 1 $245,000 $245,000 $17,382 7.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $240,000 $120,000 $6,083 7.00%
VALDOSTA, GA (FHA|USDA|VA) 1 $235,000 $235,000 $4,618 7.25%
Tiffin, OH (FHA|USDA|VA) 1 $235,000 $235,000 $4,694 7.13%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $235,000 $235,000 $6,331 6.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $235,000 $235,000 $16,148 7.50%
KNOXVILLE, TN (FHA|USDA|VA) 1 $225,000 $225,000 $16,674 8.00%
ODESSA, TX (FHA|USDA|VA) 1 $225,000 $225,000 $12,959 7.25%
MONTGOMERY, AL (FHA|USDA|VA) 1 $225,000 $225,000 $9,128 6.88%
RICHMOND, VA (FHA|USDA|VA) 1 $225,000 $225,000 $21,013 6.25%
St. Marys, PA (FHA|USDA|VA) 1 $225,000 $225,000 $18,258 6.75%
TULSA, OK (FHA|USDA|VA) 1 $225,000 $225,000 $17,712 5.75%
Roseburg, OR (FHA|USDA|VA) 2 $220,000 $110,000 $12,118 8.25%
Bellefontaine, OH (FHA|USDA|VA) 2 $220,000 $110,000 $3,036 8.00%
Picayune, MS (FHA|USDA|VA) 2 $220,000 $110,000 $2,770 6.75%
Defiance, OH (FHA|USDA|VA) 1 $215,000 $215,000 $4,290 7.63%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $215,000 $215,000 $9,593 7.13%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $215,000 $215,000 $15,917 5.63%
LOUISVILLE, KY (FHA|USDA|VA) 1 $215,000 $215,000 $13,139 6.63%
Elk City, OK (FHA|USDA|VA) 1 $205,000 $205,000 $17,314 8.13%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $205,000 $205,000 $14,902 6.63%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $205,000 $205,000 $8,774 6.25%
Paragould, AR (FHA|USDA|VA) 1 $205,000 $205,000 $2,670 7.63%
FARGO, ND-MN (FHA|USDA|VA) 1 $205,000 $205,000 $4,994 6.75%
Bemidji, MN (FHA|USDA|VA) 1 $205,000 $205,000 $5,758 6.63%
Elkins, WV (FHA|USDA|VA) 1 $205,000 $205,000 $15,539 6.25%
DUBUQUE, IA (FHA|USDA|VA) 1 $205,000 $205,000 $9,883 6.25%
Tupelo, MS (FHA|USDA|VA) 1 $205,000 $205,000 $14,876 6.63%
Cornelia, GA (FHA|USDA|VA) 1 $205,000 $205,000 $10,480 7.38%
Clarksburg, WV (FHA|USDA|VA) 1 $205,000 $205,000 $13,161 7.25%
Jackson, OH (FHA|USDA|VA) 1 $195,000 $195,000 $4,242 7.63%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $195,000 $195,000 $14,991 7.50%
READING, PA (FHA|USDA|VA) 1 $195,000 $195,000 $12,736 7.00%
Urbana, OH (FHA|USDA|VA) 1 $195,000 $195,000 $4,837 7.63%
Bainbridge, GA (FHA|USDA|VA) 1 $195,000 $195,000 $14,620 7.50%
Coos Bay, OR (FHA|USDA|VA) 1 $185,000 $185,000 $14,686 7.38%
Seneca, SC (FHA|USDA|VA) 1 $185,000 $185,000 $7,036 6.63%
WILMINGTON, NC (FHA|USDA|VA) 1 $185,000 $185,000 $5,063 6.63%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $175,000 $175,000 $10,155 0.00%
GETTYSBURG, PA (FHA|USDA|VA) 1 $175,000 $175,000 $14,487 6.50%
Ada, OK (FHA|USDA|VA) 1 $175,000 $175,000 $13,378 6.25%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $175,000 $175,000 $13,450 6.25%
Jasper, AL (FHA|USDA|VA) 1 $175,000 $175,000 $13,602 7.00%
Jefferson, GA (FHA|USDA|VA) 1 $175,000 $175,000 $550 7.38%
Vidalia, GA (FHA|USDA|VA) 1 $175,000 $175,000 $13,395 8.13%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $165,000 $165,000 $12,557 7.25%
DECATUR, AL (FHA|USDA|VA) 1 $165,000 $165,000 $9,572 7.13%
Greenville, MS (FHA|USDA|VA) 1 $165,000 $165,000 $3,670 7.25%
Magnolia, AR (FHA|USDA|VA) 1 $165,000 $165,000 $13,485 7.00%
Alamogordo, NM (FHA|USDA|VA) 1 $165,000 $165,000 $12,769 7.00%
FLINT, MI (FHA|USDA|VA) 1 $165,000 $165,000 $12,674 7.63%
DALTON, GA (FHA|USDA|VA) 1 $165,000 $165,000 $9,999 6.25%
Danville, KY (FHA|USDA|VA) 1 $165,000 $165,000 $4,083 6.63%
Bucyrus-Galion, OH (FHA|USDA|VA) 2 $160,000 $80,000 $4,260 8.18%
OWENSBORO, KY (FHA|USDA|VA) 1 $155,000 $155,000 $7,316 7.50%
Madisonville, KY (FHA|USDA|VA) 1 $155,000 $155,000 $4,888 7.63%
MONROE, MI (FHA|USDA|VA) 1 $155,000 $155,000 $8,254 6.75%
Keene, NH (FHA|USDA|VA) 1 $155,000 $155,000 $11,566 7.00%
NILES, MI (FHA|USDA|VA) 1 $155,000 $155,000 $11,449 6.25%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $155,000 $155,000 $10,487 7.63%
Grenada, MS (FHA|USDA|VA) 1 $155,000 $155,000 $11,759 7.25%
Summerville, GA (FHA|USDA|VA) 1 $155,000 $155,000 $3,670 7.63%
Ashland, OH (FHA|USDA|VA) 1 $155,000 $155,000 $9,058 7.13%
Martin, TN (FHA|USDA|VA) 1 $145,000 $145,000 $11,008 6.75%
Salina, KS (FHA|USDA|VA) 1 $145,000 $145,000 $3,225 7.63%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $145,000 $145,000 $12,471 7.50%
Pottsville, PA (FHA|USDA|VA) 1 $145,000 $145,000 $6,814 6.75%
Rock Springs, WY (FHA|USDA|VA) 1 $145,000 $145,000 $11,943 7.50%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $145,000 $145,000 $9,816 7.50%
Crawfordsville, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,241 6.75%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $135,000 $135,000 $7,161 7.63%
Cambridge, OH (FHA|USDA|VA) 1 $135,000 $135,000 $4,035 7.13%
STAUNTON, VA (FHA|USDA|VA) 1 $135,000 $135,000 $10,683 7.75%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $135,000 $135,000 $8,233 6.63%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $135,000 $135,000 $10,752 6.25%
Brenham, TX (FHA|USDA|VA) 1 $135,000 $135,000 $3,415 6.75%
Maysville, KY (FHA|USDA|VA) 1 $125,000 $125,000 $2,769 7.13%
Brookhaven, MS (FHA|USDA|VA) 1 $125,000 $125,000 $5,836 7.13%
Blytheville, AR (FHA|USDA|VA) 1 $115,000 $115,000 $7,228 6.75%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $115,000 $115,000 $7,861 7.50%
Russellville, AR (FHA|USDA|VA) 1 $115,000 $115,000 $3,938 7.13%
Effingham, IL (FHA|USDA|VA) 1 $105,000 $105,000 $2,591 6.25%
Central City, KY (FHA|USDA|VA) 1 $105,000 $105,000 $8,050 7.13%
Escanaba, MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,505 7.13%
Portsmouth, OH (FHA|USDA|VA) 1 $95,000 $95,000 $7,606 7.13%
Sayre, PA (FHA|USDA|VA) 1 $95,000 $95,000 $10,143 6.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $95,000 $95,000 $7,350 6.50%
Logansport, IN (FHA|USDA|VA) 1 $95,000 $95,000 $6,371 7.25%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $95,000 $95,000 $9,241 8.13%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $85,000 $85,000 $8,874 7.00%
WHEELING, WV-OH (FHA|USDA|VA) 1 $85,000 $85,000 $2,963 6.13%
Indiana, PA (FHA|USDA|VA) 1 $55,000 $55,000 $3,361 7.63%
Liberty Home Mortgage Corporation's top markets include Cleveland, Akron, Atlanta, Chicago, and Washington among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against LIBERTY HOME MORTGAGE CORPORATION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Michigan Legacy Credit Union
    Similarity Rank: 15
    Total Community Credit Union
    Similarity Rank: 94
    St James Mortgage Corporation
    Similarity Rank: 104
    GLASS CITY Federal Credit Union
    Similarity Rank: 123
    First Farmers and Merchants Bank
    Similarity Rank: 130
    MEMBERFOCUS COMMUNITY
    Similarity Rank: 162
    Dearborn Federal Savings Bank
    Similarity Rank: 184

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 788 $175,950,000 $223,287 $11,734 7.04%
    Conventional 492 $94,240,000 $191,545 $5,966 7.29%
    VA 54 $15,140,000 $280,370 $12,238 6.94%
    USDA 13 $2,165,000 $166,538 $5,781 6.87%

    For 2023, Liberty Home Mortgage Corporation's most frequently originated type of loan was FHA, with 788 originations. Their 2nd most popular type was Conventional, with 492 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,037 $209,755,000 $202,271 $7,487 7.15%
    Cash Out Refi 252 $64,210,000 $254,802 $17,407 7.09%
    Refi 55 $12,845,000 $233,545 $14,238 6.81%
    Home Improvement 3 $685,000 $228,333 $10,237 7.42%

    For 2023, Liberty Home Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 1,037 originations. The 2nd most popular reason was Cash Out Refi, with 252 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,106 $246,750,000 $223,101 $9,610 7.01%
    Other 114 $25,730,000 $225,702 $13,746 7.22%
    20 Year 66 $12,970,000 $196,515 $10,341 7.13%
    10 Year 56 $470,000 $8,393 $7 9.36%
    15 Year 5 $1,575,000 $315,000 $9,055 6.05%

    For 2023, Liberty Home Mortgage Corporation's most frequently cited loan duration was 30 Year, with 1,106 originations. The 2nd most popular length was Other, with 114 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 528 $148,070,000 $280,436
    $<1k 355 $58,505,000 $164,803
    $2k-3k 140 $22,810,000 $162,929
    $3k-4k 137 $23,335,000 $170,328
    $4k-5k 101 $20,125,000 $199,257
    $1k-2k 66 $12,200,000 $184,848

    Liberty Home Mortgage Corporation's average total fees were $9,610, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 528 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 665 $147,925,000 $222,444
    6-7% 503 $107,645,000 $214,006
    Over 8% 104 $13,140,000 $126,346
    5-6% 70 $17,870,000 $255,286
    <2.5% 2 $10,000 $5,000
    4-5% 2 $730,000 $365,000

    During 2023, Liberty Home Mortgage Corporation's average interest rate for loans was 7.01%, while their most frequently originated rate bucket for loans was 7-8%, with 665 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 574 $152,680,000 $265,993 $12,046 7.06%
    $100k-200k 549 $83,195,000 $151,539 $6,738 7.04%
    $100,000 or less 139 $7,245,000 $52,122 $3,309 7.82%
    $400k-600k 73 $34,415,000 $471,438 $19,884 6.93%
    $600k-1MM 11 $7,995,000 $726,818 $29,118 7.26%
    $1MM+ 1 $1,965,000 $1,965,000 $60,953 8.50%

    2023 saw Liberty Home Mortgage Corporation place emphasis on $200k-400k loans with 574 originations, totaling $152,680,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 408 $71,290,000 $174,730 $7,901 7.05%
    $50k or less 306 $41,920,000 $136,993 $5,965 7.21%
    $75k-100k 271 $61,535,000 $227,066 $10,456 7.07%
    $100k-150k 254 $68,820,000 $270,945 $12,838 7.16%
    $150k-250k 82 $30,830,000 $375,976 $17,115 7.22%
    $250k+ 25 $12,795,000 $511,800 $18,828 7.20%

    Liberty Home Mortgage Corporation lent most frequently to those with incomes in the $50k-75k range, with 408 originations. The second most popular income band? $50k or less, with 306 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 294 $65,420,000 $222,517 $10,617 7.10%
    30-36% 197 $40,395,000 $205,051 $9,256 7.16%
    20-30% 134 $27,760,000 $207,164 $8,444 6.97%
    49% 67 $13,985,000 $208,731 $10,762 7.14%
    45% 61 $12,705,000 $208,279 $9,873 7.27%
    44% 60 $11,400,000 $190,000 $8,397 7.28%
    47% 57 $11,885,000 $208,509 $8,948 7.15%
    48% 56 $12,750,000 $227,679 $10,116 6.98%
    46% 55 $12,165,000 $221,182 $11,468 7.09%
    43% 52 $9,850,000 $189,423 $8,472 7.24%
    41% 51 $11,085,000 $217,353 $9,226 7.27%
    42% 47 $9,735,000 $207,128 $7,807 7.06%
    40% 47 $12,635,000 $268,830 $11,431 7.20%
    38% 46 $9,400,000 $204,348 $9,258 7.06%
    36% 37 $8,665,000 $234,189 $11,426 7.08%
    37% 31 $5,925,000 $191,129 $8,273 7.25%
    39% 29 $5,385,000 $185,690 $7,723 7.33%
    <20% 21 $4,835,000 $230,238 $7,450 6.70%
    >60% 4 $1,210,000 $302,500 $15,551 6.84%

    Liberty Home Mortgage Corporation lent most frequently to those with DTI ratios of 50-60%, with 294 originations. The next most common DTI ratio? 30-36%, with 197 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 993 $208,845,000 $210,317 $9,323 7.11%
    Black 172 $36,610,000 $212,849 $10,093 7.29%
    Not provided 155 $33,945,000 $219,000 $10,447 7.01%
    Asian 17 $5,455,000 $320,882 $14,333 6.88%
    American Indian 8 $1,980,000 $247,500 $11,374 7.48%
    Native Hawaiian or Islander 2 $660,000 $330,000 $24,130 7.88%

    Approval Rates

    Total approvals of all applications
    93.09%

    Liberty Home Mortgage Corporation has an average approval rate.

    Pick Rate

    Approvals leading to origination
    40.83%

    Liberty Home Mortgage Corporation has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,347 $287,495,000 $213,434

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,347 $287,495,000 $213,434

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 20 $2,890,000 $144,500 $9,416 7.16%
    40-60% 82 $15,980,000 $194,878 $12,053 7.07%
    60-80% 251 $62,725,000 $249,900 $14,138 7.06%
    80-100% 926 $202,240,000 $218,402 $8,752 7.03%
    Over 100% 8 $3,010,000 $376,250 $14,805 6.73%
    Under 20% 60 $650,000 $10,833 $182 9.00%