Liberty Home Mortgage Corporation Rates, Fees & Info

ST MARYS, OH

LEI: 549300B2JJHSM77T5Y41

Tax ID: 46-3525878

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Mortgage Data

Review & Overview

Liberty Home Mortgage Corporation is a smaller mortgage company specializing in Home Purchase and 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, Washington, and Columbus among others. We have data for 293 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 an average 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 about average 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% 4/21/24
30 Year Conventional Refi 7.00% 4/21/24
30 Year Cash-out Refi 7.03% 4/21/24
30 Year FHA Purchase 7.57% 4/21/24
30 Year FHA Refi 7.47% 4/21/24
30 Year VA Purchase 6.61% 4/21/24
30 Year VA Refi 6.51% 4/21/24
30 Year USDA Purchase 6.92% 4/21/24
15 Year Conventional Purchase 6.59% 4/21/24
15 Year Conventional Refi 6.60% 4/21/24
15 Year Cash-out Refi 6.60% 4/21/24
15 Year FHA Purchase 8.13% 4/21/24
15 Year VA Purchase 6.59% 4/21/24
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

2,833

Origination Dollar Volume (All Markets)

$578,535,000

Awards

LIBERTY HOME MORTGAGE CORPORATION 30 Year Conventional Loans silver LIBERTY HOME MORTGAGE CORPORATION 30 Year Conventional Loans silver LIBERTY HOME MORTGAGE CORPORATION VA Loans silver
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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) 765 $136,985,000 $179,065 $6,089 3.31%
AKRON, OH (FHA|USDA|VA) 334 $58,030,000 $173,743 $6,149 3.27%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 105 $27,265,000 $259,667 $7,116 3.13%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 54 $25,630,000 $474,630 $8,906 2.84%
COLUMBUS, OH (FHA|USDA|VA) 99 $20,805,000 $210,152 $7,039 3.54%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 44 $17,270,000 $392,500 $9,729 2.74%
Outside of Metro Areas 82 $14,730,000 $179,634 $7,014 3.55%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 74 $14,540,000 $196,486 $6,642 3.36%
CANTON-MASSILLON, OH (FHA|USDA|VA) 89 $14,065,000 $158,034 $6,216 3.37%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 73 $10,875,000 $148,973 $5,887 3.42%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 33 $9,745,000 $295,303 $5,563 2.86%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 38 $9,040,000 $237,895 $5,558 2.97%
DAYTON-KETTERING, OH (FHA|USDA|VA) 39 $6,455,000 $165,513 $7,188 3.35%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 12 $6,420,000 $535,000 $10,156 2.99%
TOLEDO, OH (FHA|USDA|VA) 33 $6,115,000 $185,303 $7,009 3.54%
Ashtabula, OH (FHA|USDA|VA) 43 $5,895,000 $137,093 $6,480 3.41%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 13 $4,765,000 $366,538 $9,341 3.21%
Zanesville, OH (FHA|USDA|VA) 30 $4,570,000 $152,333 $6,913 3.73%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 10 $4,570,000 $457,000 $9,265 2.79%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 13 $4,135,000 $318,077 $7,106 2.71%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 17 $3,805,000 $223,824 $5,327 3.20%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 18 $3,710,000 $206,111 $7,732 3.26%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 12 $3,480,000 $290,000 $5,504 2.86%
PITTSBURGH, PA (FHA|USDA|VA) 23 $3,435,000 $149,348 $6,043 3.30%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 16 $3,390,000 $211,875 $6,619 3.42%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $3,305,000 $254,231 $9,725 3.33%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 17 $3,175,000 $186,765 $6,512 3.36%
OKLAHOMA CITY, OK (FHA|USDA|VA) 12 $3,150,000 $262,500 $5,314 3.16%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 6 $3,100,000 $516,667 $9,896 2.64%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 9 $3,035,000 $337,222 $7,980 3.38%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 12 $2,940,000 $245,000 $7,930 3.21%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $2,855,000 $219,615 $8,323 3.21%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 16 $2,840,000 $177,500 $6,593 3.49%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 8 $2,830,000 $353,750 $6,675 2.73%
Wooster, OH (FHA|USDA|VA) 15 $2,545,000 $169,667 $6,590 3.53%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 8 $2,440,000 $305,000 $11,651 2.81%
RICHMOND, VA (FHA|USDA|VA) 10 $2,410,000 $241,000 $7,131 3.01%
JACKSONVILLE, FL (FHA|USDA|VA) 10 $2,390,000 $239,000 $7,641 3.53%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 12 $2,280,000 $190,000 $7,211 3.49%
CHARLESTON, WV (FHA|USDA|VA) 17 $2,105,000 $123,824 $6,073 3.58%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 7 $1,985,000 $283,571 $11,482 3.52%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 13 $1,855,000 $142,692 $6,086 3.17%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 10 $1,820,000 $182,000 $4,136 3.34%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 9 $1,695,000 $188,333 $6,872 3.07%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 7 $1,585,000 $226,429 $8,681 3.20%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,585,000 $317,000 $7,290 2.80%
WHEELING, WV-OH (FHA|USDA|VA) 10 $1,580,000 $158,000 $7,323 3.29%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $1,580,000 $197,500 $7,300 3.23%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,530,000 $382,500 $4,903 2.78%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 7 $1,505,000 $215,000 $8,346 3.09%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 6 $1,470,000 $245,000 $6,355 2.89%
WINSTON-SALEM, NC (FHA|USDA|VA) 8 $1,460,000 $182,500 $5,728 3.10%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $1,450,000 $362,500 $4,718 2.66%
Jefferson, GA (FHA|USDA|VA) 4 $1,440,000 $360,000 $5,491 3.44%
SAVANNAH, GA (FHA|USDA|VA) 5 $1,395,000 $279,000 $5,103 2.75%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,355,000 $271,000 $7,023 3.23%
COLUMBUS, GA-AL (FHA|USDA|VA) 6 $1,340,000 $223,333 $4,042 3.08%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $1,335,000 $267,000 $7,815 2.70%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 5 $1,195,000 $239,000 $5,516 2.65%
SPRINGFIELD, OH (FHA|USDA|VA) 7 $1,195,000 $170,714 $6,802 3.53%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $1,180,000 $196,667 $3,755 2.87%
COLUMBIA, SC (FHA|USDA|VA) 6 $1,180,000 $196,667 $7,282 3.44%
MONROE, MI (FHA|USDA|VA) 6 $1,180,000 $196,667 $7,126 3.69%
YAKIMA, WA (FHA|USDA|VA) 3 $1,175,000 $391,667 $8,844 3.42%
OCALA, FL (FHA|USDA|VA) 7 $1,155,000 $165,000 $5,197 3.48%
FAYETTEVILLE, NC (FHA|USDA|VA) 6 $1,150,000 $191,667 $5,016 2.71%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 8 $1,140,000 $142,500 $5,060 3.82%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $1,140,000 $285,000 $10,981 3.16%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,095,000 $219,000 $4,587 2.75%
Marietta, OH (FHA|USDA|VA) 4 $1,090,000 $272,500 $8,563 3.02%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,060,000 $265,000 $7,010 3.62%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $1,010,000 $252,500 $7,152 3.72%
FRESNO, CA (FHA|USDA|VA) 4 $990,000 $247,500 $5,663 3.34%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $970,000 $242,500 $9,124 2.91%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 4 $960,000 $240,000 $9,043 3.53%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $950,000 $475,000 $10,767 2.50%
Port Angeles, WA (FHA|USDA|VA) 3 $935,000 $311,667 $12,287 3.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 6 $900,000 $150,000 $6,788 3.44%
Duncan, OK (FHA|USDA|VA) 4 $900,000 $225,000 $6,059 3.22%
MANSFIELD, OH (FHA|USDA|VA) 8 $890,000 $111,250 $5,434 3.67%
LYNCHBURG, VA (FHA|USDA|VA) 3 $865,000 $288,333 $4,662 3.58%
LIMA, OH (FHA|USDA|VA) 5 $835,000 $167,000 $6,345 3.34%
GAINESVILLE, GA (FHA|USDA|VA) 3 $825,000 $275,000 $9,279 3.27%
Fremont, OH (FHA|USDA|VA) 6 $810,000 $135,000 $6,596 4.42%
BECKLEY, WV (FHA|USDA|VA) 4 $780,000 $195,000 $5,531 3.30%
LAWTON, OK (FHA|USDA|VA) 3 $775,000 $258,333 $7,395 2.42%
Kerrville, TX (FHA|USDA|VA) 2 $750,000 $375,000 $7,358 2.91%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $745,000 $149,000 $4,361 3.80%
Salem, OH (FHA|USDA|VA) 4 $730,000 $182,500 $9,351 3.59%
ODESSA, TX (FHA|USDA|VA) 3 $715,000 $238,333 $11,103 3.38%
Celina, OH (FHA|USDA|VA) 3 $715,000 $238,333 $9,121 3.75%
Calhoun, GA (FHA|USDA|VA) 3 $705,000 $235,000 $7,869 3.29%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $705,000 $235,000 $10,319 3.46%
ROANOKE, VA (FHA|USDA|VA) 3 $695,000 $231,667 $4,872 2.84%
Norwalk, OH (FHA|USDA|VA) 5 $695,000 $139,000 $5,845 3.92%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 3 $695,000 $231,667 $9,365 3.21%
Ashland, OH (FHA|USDA|VA) 5 $685,000 $137,000 $6,124 3.18%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $685,000 $685,000 $12,800 2.75%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 3 $685,000 $228,333 $6,020 2.86%
New Philadelphia-Dover, OH (FHA|USDA|VA) 5 $675,000 $135,000 $5,556 3.68%
Cambridge, OH (FHA|USDA|VA) 4 $670,000 $167,500 $6,730 3.44%
MONTGOMERY, AL (FHA|USDA|VA) 4 $660,000 $165,000 $6,579 4.06%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $655,000 $218,333 $7,667 3.36%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $625,000 $208,333 $5,809 3.21%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $615,000 $205,000 $9,261 3.71%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $610,000 $305,000 $10,166 3.94%
Brevard, NC (FHA|USDA|VA) 2 $610,000 $305,000 $5,070 2.63%
Danville, VA (FHA|USDA|VA) 3 $595,000 $198,333 $7,267 2.96%
WALLA WALLA, WA (FHA|USDA|VA) 1 $595,000 $595,000 $16,274 2.25%
SALINAS, CA (FHA|USDA|VA) 1 $585,000 $585,000 $18,486 2.50%
Findlay, OH (FHA|USDA|VA) 3 $575,000 $191,667 $4,652 3.13%
Coshocton, OH (FHA|USDA|VA) 3 $575,000 $191,667 $4,836 2.83%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $570,000 $285,000 $5,805 3.19%
Greenwood, SC (FHA|USDA|VA) 1 $565,000 $565,000 $11,712 2.75%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $565,000 $188,333 $6,679 3.46%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $560,000 $280,000 $4,698 3.06%
Oak Harbor, WA (FHA|USDA|VA) 2 $550,000 $275,000 $7,328 2.56%
LaGrange, GA-AL (FHA|USDA|VA) 3 $545,000 $181,667 $5,324 3.87%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $535,000 $535,000 $16,442 2.88%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $530,000 $265,000 $5,580 3.06%
LEBANON, PA (FHA|USDA|VA) 2 $530,000 $265,000 $10,035 2.56%
LANCASTER, PA (FHA|USDA|VA) 3 $525,000 $175,000 $6,516 3.54%
KNOXVILLE, TN (FHA|USDA|VA) 3 $525,000 $175,000 $7,780 3.75%
Bluefield, WV-VA (FHA|USDA|VA) 3 $515,000 $171,667 $5,033 3.38%
MORGANTOWN, WV (FHA|USDA|VA) 2 $500,000 $250,000 $8,586 2.69%
YUMA, AZ (FHA|USDA|VA) 2 $490,000 $245,000 $4,243 2.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $485,000 $161,667 $7,191 3.58%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $480,000 $240,000 $10,333 4.13%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $475,000 $475,000 $6,234 2.75%
St. Marys, GA (FHA|USDA|VA) 2 $450,000 $225,000 $3,302 3.06%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $440,000 $220,000 $8,312 3.50%
Palatka, FL (FHA|USDA|VA) 3 $435,000 $145,000 $6,775 3.75%
BOULDER, CO (FHA|USDA|VA) 1 $425,000 $425,000 $9,777 3.25%
FLINT, MI (FHA|USDA|VA) 3 $425,000 $141,667 $4,994 3.33%
Wilmington, OH (FHA|USDA|VA) 2 $420,000 $210,000 $8,521 3.63%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $420,000 $210,000 $5,783 2.63%
Columbus, MS (FHA|USDA|VA) 1 $415,000 $415,000 $6,304 3.38%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $415,000 $415,000 $5,323 2.75%
WACO, TX (FHA|USDA|VA) 3 $415,000 $138,333 $5,334 3.54%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $415,000 $415,000 $4,005 2.63%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $405,000 $135,000 $4,655 2.75%
Greenville, OH (FHA|USDA|VA) 2 $400,000 $200,000 $9,807 3.88%
ALBANY, GA (FHA|USDA|VA) 3 $395,000 $131,667 $6,718 3.17%
TULSA, OK (FHA|USDA|VA) 1 $395,000 $395,000 $0 3.75%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $390,000 $195,000 $7,598 4.56%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $380,000 $190,000 $5,544 2.81%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $380,000 $190,000 $3,294 3.50%
North Wilkesboro, NC (FHA|USDA|VA) 3 $375,000 $125,000 $4,164 3.33%
VALLEJO, CA (FHA|USDA|VA) 1 $375,000 $375,000 $975 3.25%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $365,000 $365,000 $4,785 2.99%
Key West, FL (FHA|USDA|VA) 1 $365,000 $365,000 $10,309 4.25%
JACKSON, MI (FHA|USDA|VA) 2 $360,000 $180,000 $9,018 3.70%
DALTON, GA (FHA|USDA|VA) 2 $360,000 $180,000 $9,087 3.38%
Chillicothe, OH (FHA|USDA|VA) 2 $350,000 $175,000 $4,229 4.38%
BELLINGHAM, WA (FHA|USDA|VA) 1 $345,000 $345,000 $8,056 2.25%
Aberdeen, WA (FHA|USDA|VA) 1 $345,000 $345,000 $5,959 2.88%
Selinsgrove, PA (FHA|USDA|VA) 2 $340,000 $170,000 $9,434 3.50%
Traverse City, MI (FHA|USDA|VA) 2 $340,000 $170,000 $7,090 4.38%
Cookeville, TN (FHA|USDA|VA) 2 $340,000 $170,000 $5,995 3.00%
MERCED, CA (FHA|USDA|VA) 1 $325,000 $325,000 $5,684 2.25%
MIDLAND, TX (FHA|USDA|VA) 1 $315,000 $315,000 $13,821 3.13%
Statesboro, GA (FHA|USDA|VA) 2 $310,000 $155,000 $7,604 3.06%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $310,000 $155,000 $6,051 4.19%
Douglas, GA (FHA|USDA|VA) 2 $310,000 $155,000 $6,355 4.00%
LAREDO, TX (FHA|USDA|VA) 1 $305,000 $305,000 $8,645 3.75%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $290,000 $145,000 $7,142 3.13%
Tiffin, OH (FHA|USDA|VA) 2 $290,000 $145,000 $5,450 3.75%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $290,000 $145,000 $6,558 3.63%
ALTOONA, PA (FHA|USDA|VA) 1 $285,000 $285,000 $11,347 2.63%
Wapakoneta, OH (FHA|USDA|VA) 3 $285,000 $95,000 $6,698 4.23%
Mount Vernon, OH (FHA|USDA|VA) 2 $280,000 $140,000 $8,274 2.94%
Sandusky, OH (FHA|USDA|VA) 2 $280,000 $140,000 $8,379 3.44%
STAUNTON, VA (FHA|USDA|VA) 1 $275,000 $275,000 $1,139 2.99%
LONGVIEW, WA (FHA|USDA|VA) 1 $275,000 $275,000 $4,369 2.75%
LUBBOCK, TX (FHA|USDA|VA) 2 $270,000 $135,000 $7,882 4.63%
Albemarle, NC (FHA|USDA|VA) 2 $270,000 $135,000 $5,710 2.74%
APPLETON, WI (FHA|USDA|VA) 2 $270,000 $135,000 $1,668 3.15%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $270,000 $135,000 $5,753 2.50%
Big Spring, TX (FHA|USDA|VA) 1 $265,000 $265,000 $6,349 2.25%
Lufkin, TX (FHA|USDA|VA) 1 $265,000 $265,000 $8,905 2.25%
GAINESVILLE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $11,244 3.75%
Pecos, TX (FHA|USDA|VA) 1 $255,000 $255,000 $4,262 3.00%
Mount Airy, NC (FHA|USDA|VA) 1 $255,000 $255,000 $4,589 2.25%
Houghton, MI (FHA|USDA|VA) 1 $255,000 $255,000 $10,685 2.75%
NEW BERN, NC (FHA|USDA|VA) 1 $245,000 $245,000 $2,850 2.75%
Thomaston, GA (FHA|USDA|VA) 2 $240,000 $120,000 $5,930 3.13%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $240,000 $120,000 $7,268 3.49%
CLEVELAND, TN (FHA|USDA|VA) 1 $235,000 $235,000 $5,455 3.13%
Elizabeth City, NC (FHA|USDA|VA) 1 $235,000 $235,000 $9,075 3.25%
Thomasville, GA (FHA|USDA|VA) 1 $235,000 $235,000 $9,386 3.00%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $230,000 $115,000 $5,826 3.94%
Bellefontaine, OH (FHA|USDA|VA) 1 $225,000 $225,000 $5,785 3.38%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $6,697 2.38%
ABILENE, TX (FHA|USDA|VA) 2 $220,000 $110,000 $6,097 3.65%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $4,339 3.13%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $215,000 $215,000 $6,243 2.63%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $215,000 $215,000 $5,183 3.63%
Payson, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $4,912 2.75%
Portsmouth, OH (FHA|USDA|VA) 1 $215,000 $215,000 $9,728 3.75%
STOCKTON, CA (FHA|USDA|VA) 1 $215,000 $215,000 $10,710 3.25%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $210,000 $105,000 $5,048 4.06%
Urbana, OH (FHA|USDA|VA) 2 $210,000 $105,000 $5,177 3.49%
Toccoa, GA (FHA|USDA|VA) 1 $205,000 $205,000 $8,802 4.75%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $195,000 $195,000 $8,822 3.63%
Picayune, MS (FHA|USDA|VA) 1 $195,000 $195,000 $7,587 3.00%
CHICO, CA (FHA|USDA|VA) 1 $195,000 $195,000 $8,007 3.13%
COLUMBUS, IN (FHA|USDA|VA) 1 $195,000 $195,000 $5,985 3.50%
Meadville, PA (FHA|USDA|VA) 2 $190,000 $95,000 $8,117 3.81%
DOTHAN, AL (FHA|USDA|VA) 1 $185,000 $185,000 $10,113 4.13%
St. Marys, PA (FHA|USDA|VA) 1 $185,000 $185,000 $9,470 3.25%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $185,000 $185,000 $4,481 2.88%
WILMINGTON, NC (FHA|USDA|VA) 1 $185,000 $185,000 $10,676 3.75%
Lumberton, NC (FHA|USDA|VA) 1 $185,000 $185,000 $5,484 4.13%
READING, PA (FHA|USDA|VA) 1 $185,000 $185,000 $3,983 3.25%
Granbury, TX (FHA|USDA|VA) 1 $185,000 $185,000 $10,325 3.88%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $175,000 $175,000 $2,717 2.25%
Athens, OH (FHA|USDA|VA) 1 $175,000 $175,000 $7,837 2.75%
Richmond-Berea, KY (FHA|USDA|VA) 1 $175,000 $175,000 $1,451 2.80%
BRUNSWICK, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,792 4.50%
SAGINAW, MI (FHA|USDA|VA) 1 $175,000 $175,000 $7,820 4.13%
Corsicana, TX (FHA|USDA|VA) 1 $165,000 $165,000 $6,818 3.25%
ANN ARBOR, MI (FHA|USDA|VA) 1 $165,000 $165,000 $6,143 2.75%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $1,244 2.75%
TYLER, TX (FHA|USDA|VA) 1 $165,000 $165,000 $7,206 4.13%
PANAMA CITY, FL (FHA|USDA|VA) 1 $155,000 $155,000 $10,254 3.38%
Oxford, MS (FHA|USDA|VA) 1 $155,000 $155,000 $5,462 4.00%
ROCKFORD, IL (FHA|USDA|VA) 1 $155,000 $155,000 $7,494 3.38%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $155,000 $155,000 $8,430 3.75%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $155,000 $155,000 $4,250 3.25%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $155,000 $155,000 $5,590 4.00%
Jesup, GA (FHA|USDA|VA) 1 $155,000 $155,000 $7,961 3.25%
SPRINGFIELD, IL (FHA|USDA|VA) 1 $155,000 $155,000 $7,105 2.88%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $155,000 $155,000 $9,908 4.75%
Adrian, MI (FHA|USDA|VA) 1 $145,000 $145,000 $7,581 3.50%
Sidney, OH (FHA|USDA|VA) 1 $145,000 $145,000 $8,662 3.50%
Bedford, IN (FHA|USDA|VA) 1 $145,000 $145,000 $3,348 2.75%
Okeechobee, FL (FHA|USDA|VA) 1 $145,000 $145,000 $8,105 3.75%
HINESVILLE, GA (FHA|USDA|VA) 1 $145,000 $145,000 $7,481 3.25%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $145,000 $145,000 $6,290 3.75%
Paris, TX (FHA|USDA|VA) 1 $135,000 $135,000 $4,285 4.38%
LOUISVILLE, KY (FHA|USDA|VA) 1 $135,000 $135,000 $4,285 3.88%
SAN ANGELO, TX (FHA|USDA|VA) 1 $135,000 $135,000 $4,214 3.00%
Lewistown, PA (FHA|USDA|VA) 1 $135,000 $135,000 $6,026 3.25%
FLORENCE, SC (FHA|USDA|VA) 1 $135,000 $135,000 $7,969 2.75%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $135,000 $135,000 $2,864 4.25%
SUMTER, SC (FHA|USDA|VA) 1 $135,000 $135,000 $2,738 3.00%
BURLINGTON, NC (FHA|USDA|VA) 1 $135,000 $135,000 $6,197 3.25%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $135,000 $135,000 $6,534 4.75%
JOHNSTOWN, PA (FHA|USDA|VA) 2 $130,000 $65,000 $5,101 3.69%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $125,000 $125,000 $6,539 2.75%
Tifton, GA (FHA|USDA|VA) 1 $125,000 $125,000 $8,085 4.50%
Marion, OH (FHA|USDA|VA) 1 $125,000 $125,000 $6,872 3.88%
Defiance, OH (FHA|USDA|VA) 1 $125,000 $125,000 $6,717 3.75%
Henderson, NC (FHA|USDA|VA) 1 $125,000 $125,000 $5,122 3.88%
Rockingham, NC (FHA|USDA|VA) 1 $125,000 $125,000 $5,095 2.75%
Summerville, GA (FHA|USDA|VA) 1 $125,000 $125,000 $6,629 3.25%
Eagle Pass, TX (FHA|USDA|VA) 1 $125,000 $125,000 $3,140 3.75%
MOBILE, AL (FHA|USDA|VA) 1 $115,000 $115,000 $7,181 3.13%
Snyder, TX (FHA|USDA|VA) 1 $115,000 $115,000 $9,123 3.88%
KANKAKEE, IL (FHA|USDA|VA) 1 $115,000 $115,000 $4,021 3.88%
ROME, GA (FHA|USDA|VA) 1 $115,000 $115,000 $7,183 3.00%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $115,000 $115,000 $4,196 3.50%
GREEN BAY, WI (FHA|USDA|VA) 1 $115,000 $115,000 $8,129 2.88%
Enterprise, AL (FHA|USDA|VA) 1 $115,000 $115,000 $5,976 3.75%
Alexander City, AL (FHA|USDA|VA) 1 $115,000 $115,000 $4,957 3.63%
New Ulm, MN (FHA|USDA|VA) 1 $115,000 $115,000 $6,137 3.00%
AMARILLO, TX (FHA|USDA|VA) 1 $115,000 $115,000 $6,101 4.38%
Jackson, OH (FHA|USDA|VA) 1 $115,000 $115,000 $7,643 4.25%
Cullowhee, NC (FHA|USDA|VA) 1 $105,000 $105,000 $5,809 4.50%
Sayre, PA (FHA|USDA|VA) 1 $105,000 $105,000 $3,011 4.50%
Lamesa, TX (FHA|USDA|VA) 1 $105,000 $105,000 $5,746 3.88%
Van Wert, OH (FHA|USDA|VA) 1 $105,000 $105,000 $1,828 2.75%
Meridian, MS (FHA|USDA|VA) 1 $105,000 $105,000 $6,807 3.75%
Athens, TN (FHA|USDA|VA) 1 $105,000 $105,000 $6,135 3.00%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $105,000 $105,000 $2,565 3.25%
Starkville, MS (FHA|USDA|VA) 1 $105,000 $105,000 $6,160 3.13%
Lock Haven, PA (FHA|USDA|VA) 1 $95,000 $95,000 $5,454 4.00%
Cornelia, GA (FHA|USDA|VA) 1 $95,000 $95,000 $3,841 4.00%
Somerset, PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,197 4.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $95,000 $95,000 $5,020 4.25%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $95,000 $95,000 $7,416 3.13%
Palestine, TX (FHA|USDA|VA) 1 $95,000 $95,000 $7,031 3.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $85,000 $85,000 $2,630 3.25%
PEORIA, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,806 2.95%
Waycross, GA (FHA|USDA|VA) 1 $85,000 $85,000 $4,044 3.38%
Elkins, WV (FHA|USDA|VA) 1 $85,000 $85,000 $6,120 3.88%
ERIE, PA (FHA|USDA|VA) 1 $85,000 $85,000 $3,501 3.25%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $85,000 $85,000 $4,858 3.50%
VALDOSTA, GA (FHA|USDA|VA) 1 $85,000 $85,000 $5,040 3.25%
Pottsville, PA (FHA|USDA|VA) 1 $75,000 $75,000 $6,129 2.75%
GOLDSBORO, NC (FHA|USDA|VA) 1 $75,000 $75,000 $3,353 3.63%
DuBois, PA (FHA|USDA|VA) 1 $55,000 $55,000 $5,387 5.13%
New Castle, PA (FHA|USDA|VA) 1 $45,000 $45,000 $3,913 2.80%
Liberty Home Mortgage Corporation's top markets include Cleveland, Akron, Atlanta, Washington, and Columbus among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • California (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 1,196 $201,970,000 $168,871 $7,627 3.52%
    Conventional 1,081 $219,415,000 $202,974 $5,355 3.20%
    VA 473 $145,445,000 $307,495 $6,835 2.95%
    USDA 82 $11,390,000 $138,902 $6,452 3.32%
    VA 1 $315,000 $315,000 $0 2.38%

    For 2020, Liberty Home Mortgage Corporation's most frequently originated type of loan was FHA, with 1,196 originations. Their 2nd most popular type was Conventional, with 1,081 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,972 $351,910,000 $178,453 $6,856 3.44%
    Refi 742 $199,180,000 $268,437 $5,732 2.93%
    Home Improvement 111 $26,215,000 $236,171 $7,868 3.21%
    Cash Out Refi 8 $1,230,000 $153,750 $4,828 3.46%

    For 2020, Liberty Home Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 1,972 originations. The 2nd most popular reason was Refi, with 742 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,680 $552,000,000 $205,970 $6,662 3.31%
    15 Year 84 $14,000,000 $166,667 $5,291 2.97%
    Other 40 $7,230,000 $180,750 $5,704 3.22%
    20 Year 24 $4,530,000 $188,750 $5,045 3.12%
    10 Year 4 $540,000 $135,000 $4,363 2.81%
    30+ year 1 $235,000 $235,000 $12,970 4.25%

    For 2020, Liberty Home Mortgage Corporation's most frequently cited loan duration was 30 Year, with 2,680 originations. The 2nd most popular length was 15 Year, with 84 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 748 $131,660,000 $176,016
    $<1k 578 $113,340,000 $196,090
    $3k-4k 529 $91,585,000 $173,129
    $1k-2k 373 $71,385,000 $191,381
    $5k+ 363 $116,495,000 $320,923
    $4k-5k 240 $53,630,000 $223,458

    Liberty Home Mortgage Corporation's average total fees were $6,662, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 748 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,258 $230,340,000 $183,100
    2.5-3% 1,036 $234,550,000 $226,400
    4-5% 308 $49,380,000 $160,325
    <2.5% 202 $59,790,000 $295,990
    5-6% 29 $4,475,000 $154,310

    During 2020, Liberty Home Mortgage Corporation's average interest rate for loans was 3.31%, while their most frequently originated rate bucket for loans was 3-4%, with 1,258 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,328 $196,310,000 $147,824 $6,012 3.41%
    $200k-400k 1,023 $274,805,000 $268,627 $7,319 3.12%
    $100,000 or less 328 $26,420,000 $80,549 $5,135 3.58%
    $400k-600k 122 $58,070,000 $475,984 $8,829 2.93%
    $600k-1MM 32 $22,930,000 $716,563 $13,970 2.77%

    2020 saw Liberty Home Mortgage Corporation place emphasis on $100k-200k loans with 1,328 originations, totaling $196,310,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,170 $227,070,000 $194,077 $6,153 3.22%
    $50k-75k 768 $134,270,000 $174,831 $6,646 3.40%
    $75k-100k 404 $85,920,000 $212,673 $6,884 3.36%
    $100k-150k 336 $83,400,000 $248,214 $7,391 3.30%
    $150k-250k 124 $36,700,000 $295,968 $6,731 3.17%
    $250k+ 28 $10,700,000 $382,143 $9,618 3.28%

    Liberty Home Mortgage Corporation lent most frequently to those with incomes in the $50k or less range, with 1,170 originations. The second most popular income band? $50k-75k, with 768 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 441 $81,545,000 $184,909 $6,379 3.33%
    20-30% 430 $74,180,000 $172,512 $5,689 3.29%
    50-60% 293 $52,565,000 $179,403 $8,086 3.53%
    <20% 116 $21,980,000 $189,483 $5,673 3.19%
    39% 99 $18,185,000 $183,687 $6,710 3.45%
    42% 90 $17,740,000 $197,111 $7,202 3.47%
    43% 89 $16,725,000 $187,921 $6,411 3.44%
    37% 88 $16,610,000 $188,750 $6,667 3.39%
    49% 86 $16,900,000 $196,512 $6,862 3.34%
    40% 80 $15,440,000 $193,000 $6,905 3.34%
    38% 79 $14,425,000 $182,595 $6,719 3.46%
    41% 76 $15,020,000 $197,632 $7,150 3.50%
    45% 74 $14,770,000 $199,595 $6,926 3.34%
    44% 74 $14,670,000 $198,243 $6,963 3.52%
    46% 70 $13,910,000 $198,714 $8,058 3.37%
    48% 69 $13,395,000 $194,130 $7,063 3.32%
    36% 66 $12,110,000 $183,485 $5,596 3.49%
    47% 60 $11,760,000 $196,000 $6,685 3.35%
    >60% 13 $5,625,000 $432,692 $8,561 3.16%

    Liberty Home Mortgage Corporation lent most frequently to those with DTI ratios of 30-36%, with 441 originations. The next most common DTI ratio? 20-30%, with 430 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,272 $455,100,000 $200,308 $6,492 3.30%
    Black 352 $73,240,000 $208,068 $6,835 3.35%
    Not provided 160 $39,530,000 $247,063 $7,347 3.15%
    Asian 30 $6,590,000 $219,667 $6,915 3.16%
    American Indian 9 $1,835,000 $203,889 $8,494 3.56%
    Native Hawaiian or Islander 5 $1,165,000 $233,000 $7,378 3.20%
    Guamanian 2 $460,000 $230,000 $5,586 3.69%
    Other Asian 1 $305,000 $305,000 $4,376 3.25%
    Asian Indian 1 $225,000 $225,000 $10,541 3.50%
    Vietnamese 1 $85,000 $85,000 $4,170 5.30%

    Approval Rates

    Total approvals of all applications
    91.13%

    Liberty Home Mortgage Corporation has an average approval rate.

    Pick Rate

    Approvals leading to origination
    68.27%

    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 2,833 $578,535,000 $204,213

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 71 $10,465,000 $147,394
    Single Family (1-4 Units):Site-Built 2,762 $568,070,000 $205,673

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 10 $1,490,000 $149,000 $4,209 3.21%
    40-60% 84 $18,230,000 $217,024 $5,317 3.02%
    60-80% 416 $92,810,000 $223,101 $5,877 3.07%
    80-100% 2,269 $451,255,000 $198,878 $6,747 3.35%
    Over 100% 51 $14,415,000 $282,647 $8,417 3.38%
    Under 20% 1 $75,000 $75,000 $4,779 2.85%