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. Liberty Home Mortgage Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Cleveland, Akron, Atlanta, Charlotte, and Cincinnati among others. We have data for 306 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% 12/17/24
30 Year Conventional Refi 7.00% 12/17/24
30 Year Cash-out Refi 7.03% 12/17/24
30 Year FHA Purchase 7.57% 12/17/24
30 Year FHA Refi 7.47% 12/17/24
30 Year VA Purchase 6.61% 12/17/24
30 Year VA Refi 6.51% 12/17/24
30 Year USDA Purchase 6.92% 12/17/24
15 Year Conventional Purchase 6.59% 12/17/24
15 Year Conventional Refi 6.60% 12/17/24
15 Year Cash-out Refi 6.60% 12/17/24
15 Year FHA Purchase 8.13% 12/17/24
15 Year VA Purchase 6.59% 12/17/24
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

2,972

Origination Dollar Volume (All Markets)

$626,540,000

Awards

LIBERTY HOME MORTGAGE CORPORATION VA Loans bronze LIBERTY HOME MORTGAGE CORPORATION VA Loans gold 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) 742 $142,210,000 $191,658 $6,336 3.27%
AKRON, OH (FHA|USDA|VA) 337 $57,885,000 $171,766 $6,043 3.27%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 143 $37,235,000 $260,385 $6,904 3.25%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 102 $32,500,000 $318,627 $4,949 3.20%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 78 $15,880,000 $203,590 $6,179 3.28%
COLUMBUS, OH (FHA|USDA|VA) 70 $15,650,000 $223,571 $6,017 3.28%
CANTON-MASSILLON, OH (FHA|USDA|VA) 80 $14,810,000 $185,125 $6,711 3.30%
Outside of Metro Areas 79 $13,625,000 $172,468 $6,414 3.31%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 85 $11,845,000 $139,353 $5,975 3.31%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 34 $11,590,000 $340,882 $6,839 2.78%
DAYTON-KETTERING, OH (FHA|USDA|VA) 56 $9,730,000 $173,750 $6,785 3.41%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 35 $8,895,000 $254,143 $7,549 2.97%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 35 $8,595,000 $245,571 $7,767 3.35%
Ashtabula, OH (FHA|USDA|VA) 50 $7,430,000 $148,600 $6,449 3.35%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 29 $6,995,000 $241,207 $8,015 2.96%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 20 $6,800,000 $340,000 $5,324 2.72%
TOLEDO, OH (FHA|USDA|VA) 40 $6,510,000 $162,750 $6,460 3.50%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 18 $5,520,000 $306,667 $7,320 3.29%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 12 $5,510,000 $459,167 $8,706 2.96%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 17 $5,465,000 $321,471 $7,187 3.29%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 19 $5,285,000 $278,158 $6,376 3.25%
Zanesville, OH (FHA|USDA|VA) 29 $4,285,000 $147,759 $6,720 3.25%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 17 $4,165,000 $245,000 $6,961 2.93%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 18 $4,130,000 $229,444 $7,422 3.08%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 18 $4,040,000 $224,444 $7,287 3.15%
RALEIGH-CARY, NC (FHA|USDA|VA) 13 $3,965,000 $305,000 $6,842 3.03%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 12 $3,930,000 $327,500 $9,694 3.04%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 13 $3,575,000 $275,000 $9,565 2.95%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 12 $3,290,000 $274,167 $7,951 3.10%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $3,210,000 $535,000 $9,361 2.65%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 15 $3,185,000 $212,333 $5,920 2.83%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 9 $2,795,000 $310,556 $5,776 2.83%
PITTSBURGH, PA (FHA|USDA|VA) 12 $2,780,000 $231,667 $8,968 3.12%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 13 $2,735,000 $210,385 $6,293 3.30%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 9 $2,515,000 $279,444 $7,325 3.10%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 9 $2,505,000 $278,333 $6,639 3.14%
CHARLESTON, WV (FHA|USDA|VA) 16 $2,410,000 $150,625 $6,327 3.13%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 10 $2,390,000 $239,000 $7,426 2.95%
Wooster, OH (FHA|USDA|VA) 12 $2,370,000 $197,500 $5,554 3.13%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $2,220,000 $555,000 $17,262 2.53%
SPRINGFIELD, OH (FHA|USDA|VA) 13 $2,035,000 $156,538 $6,683 3.25%
WINSTON-SALEM, NC (FHA|USDA|VA) 7 $1,895,000 $270,714 $4,850 3.14%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $1,850,000 $308,333 $7,058 3.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 7 $1,845,000 $263,571 $7,013 3.14%
Urbana, OH (FHA|USDA|VA) 10 $1,790,000 $179,000 $6,689 3.41%
Salem, OH (FHA|USDA|VA) 12 $1,770,000 $147,500 $5,456 3.56%
TULSA, OK (FHA|USDA|VA) 8 $1,750,000 $218,750 $6,987 3.06%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 5 $1,715,000 $343,000 $5,741 2.95%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 11 $1,635,000 $148,636 $6,541 3.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 6 $1,620,000 $270,000 $12,449 2.90%
WENATCHEE, WA (FHA|USDA|VA) 4 $1,620,000 $405,000 $10,686 3.09%
Kerrville, TX (FHA|USDA|VA) 7 $1,555,000 $222,143 $8,367 3.34%
GAINESVILLE, GA (FHA|USDA|VA) 5 $1,545,000 $309,000 $5,437 3.23%
COLUMBIA, SC (FHA|USDA|VA) 7 $1,495,000 $213,571 $6,866 3.05%
ASHEVILLE, NC (FHA|USDA|VA) 5 $1,425,000 $285,000 $5,734 3.23%
JACKSONVILLE, FL (FHA|USDA|VA) 7 $1,405,000 $200,714 $5,899 3.24%
Sandusky, OH (FHA|USDA|VA) 7 $1,405,000 $200,714 $8,642 3.41%
KNOXVILLE, TN (FHA|USDA|VA) 7 $1,335,000 $190,714 $4,857 2.98%
MANSFIELD, OH (FHA|USDA|VA) 7 $1,335,000 $190,714 $6,028 3.32%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,330,000 $221,667 $9,250 3.04%
MORGANTOWN, WV (FHA|USDA|VA) 3 $1,275,000 $425,000 $5,731 2.96%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 7 $1,275,000 $182,143 $7,317 3.57%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 5 $1,255,000 $251,000 $6,373 3.55%
SAVANNAH, GA (FHA|USDA|VA) 5 $1,225,000 $245,000 $6,903 2.90%
FAYETTEVILLE, NC (FHA|USDA|VA) 6 $1,220,000 $203,333 $5,274 2.79%
RICHMOND, VA (FHA|USDA|VA) 5 $1,215,000 $243,000 $5,831 3.18%
BOISE CITY, ID (FHA|USDA|VA) 2 $1,190,000 $595,000 $24,540 2.93%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,185,000 $237,000 $6,812 3.60%
ERIE, PA (FHA|USDA|VA) 9 $1,165,000 $129,444 $6,152 3.71%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 5 $1,155,000 $231,000 $5,533 3.08%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 9 $1,145,000 $127,222 $6,052 3.11%
WILMINGTON, NC (FHA|USDA|VA) 4 $1,130,000 $282,500 $5,735 2.63%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 4 $1,130,000 $282,500 $5,449 2.93%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $1,120,000 $280,000 $6,102 2.75%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 4 $1,100,000 $275,000 $7,787 3.25%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $1,090,000 $272,500 $4,069 3.06%
COLUMBUS, GA-AL (FHA|USDA|VA) 5 $1,065,000 $213,000 $6,062 2.73%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $1,060,000 $265,000 $2,524 2.75%
BAKERSFIELD, CA (FHA|USDA|VA) 4 $1,010,000 $252,500 $7,967 3.03%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $1,005,000 $335,000 $9,031 3.29%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $995,000 $199,000 $8,924 3.20%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 4 $990,000 $247,500 $5,680 3.09%
FLINT, MI (FHA|USDA|VA) 4 $960,000 $240,000 $6,243 3.00%
New Philadelphia-Dover, OH (FHA|USDA|VA) 5 $955,000 $191,000 $8,213 3.00%
Ashland, OH (FHA|USDA|VA) 5 $955,000 $191,000 $5,108 3.45%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 4 $950,000 $237,500 $6,287 3.81%
OKLAHOMA CITY, OK (FHA|USDA|VA) 6 $920,000 $153,333 $5,389 2.87%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 5 $875,000 $175,000 $6,676 3.33%
LYNCHBURG, VA (FHA|USDA|VA) 5 $865,000 $173,000 $6,475 3.15%
Statesboro, GA (FHA|USDA|VA) 3 $865,000 $288,333 $8,188 3.42%
Bellefontaine, OH (FHA|USDA|VA) 5 $855,000 $171,000 $7,008 3.43%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $855,000 $285,000 $7,060 3.00%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $845,000 $281,667 $8,728 3.04%
MADISON, WI (FHA|USDA|VA) 3 $835,000 $278,333 $7,464 3.17%
WARNER ROBINS, GA (FHA|USDA|VA) 5 $795,000 $159,000 $5,006 3.31%
MONROE, MI (FHA|USDA|VA) 4 $770,000 $192,500 $7,341 3.09%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $735,000 $245,000 $3,977 2.63%
SPARTANBURG, SC (FHA|USDA|VA) 4 $710,000 $177,500 $5,150 3.53%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $710,000 $355,000 $8,387 2.69%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 3 $705,000 $235,000 $5,734 2.67%
MUNCIE, IN (FHA|USDA|VA) 3 $705,000 $235,000 $2,197 3.13%
NEW BERN, NC (FHA|USDA|VA) 3 $705,000 $235,000 $7,329 3.04%
ROANOKE, VA (FHA|USDA|VA) 3 $705,000 $235,000 $5,445 3.58%
TALLAHASSEE, FL (FHA|USDA|VA) 4 $680,000 $170,000 $6,158 2.94%
Albemarle, NC (FHA|USDA|VA) 2 $670,000 $335,000 $2,929 3.25%
HINESVILLE, GA (FHA|USDA|VA) 3 $665,000 $221,667 $3,884 2.79%
Point Pleasant, WV-OH (FHA|USDA|VA) 3 $655,000 $218,333 $7,952 3.00%
Celina, OH (FHA|USDA|VA) 3 $655,000 $218,333 $5,731 3.79%
Cambridge, OH (FHA|USDA|VA) 3 $655,000 $218,333 $6,061 4.12%
EL PASO, TX (FHA|USDA|VA) 4 $650,000 $162,500 $9,334 2.84%
WHEELING, WV-OH (FHA|USDA|VA) 3 $645,000 $215,000 $7,915 3.12%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 3 $645,000 $215,000 $9,909 3.17%
Clarksburg, WV (FHA|USDA|VA) 3 $645,000 $215,000 $8,771 3.54%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $640,000 $320,000 $10,070 2.81%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $635,000 $635,000 $12,300 2.88%
Marietta, OH (FHA|USDA|VA) 3 $625,000 $208,333 $6,573 3.79%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $620,000 $310,000 $4,670 3.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $605,000 $201,667 $8,873 3.46%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $595,000 $198,333 $8,544 3.08%
MONTGOMERY, AL (FHA|USDA|VA) 3 $585,000 $195,000 $5,907 3.25%
Bartlesville, OK (FHA|USDA|VA) 2 $580,000 $290,000 $6,232 3.25%
Beaver Dam, WI (FHA|USDA|VA) 2 $560,000 $280,000 $8,124 3.25%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $555,000 $185,000 $7,046 3.79%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $530,000 $265,000 $5,254 2.75%
AMARILLO, TX (FHA|USDA|VA) 2 $530,000 $265,000 $9,059 2.94%
Bluefield, WV-VA (FHA|USDA|VA) 3 $525,000 $175,000 $6,627 3.17%
Sidney, OH (FHA|USDA|VA) 3 $515,000 $171,667 $7,032 3.50%
TUCSON, AZ (FHA|USDA|VA) 2 $510,000 $255,000 $4,753 3.13%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $505,000 $505,000 $3,413 3.38%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $495,000 $165,000 $6,914 3.50%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 2 $490,000 $245,000 $6,793 3.06%
Coshocton, OH (FHA|USDA|VA) 2 $490,000 $245,000 $10,466 3.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $490,000 $245,000 $5,997 3.31%
BANGOR, ME (FHA|USDA|VA) 1 $485,000 $485,000 $14,365 2.75%
Rockingham, NC (FHA|USDA|VA) 4 $480,000 $120,000 $4,678 3.06%
Susanville, CA (FHA|USDA|VA) 2 $480,000 $240,000 $4,814 2.75%
Centralia, WA (FHA|USDA|VA) 2 $480,000 $240,000 $3,851 2.81%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $475,000 $475,000 $4,177 3.00%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $470,000 $235,000 $3,146 2.94%
MODESTO, CA (FHA|USDA|VA) 2 $470,000 $235,000 $8,196 2.94%
Cadillac, MI (FHA|USDA|VA) 2 $470,000 $235,000 $9,073 3.25%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $465,000 $155,000 $7,252 3.17%
WACO, TX (FHA|USDA|VA) 2 $460,000 $230,000 $4,953 3.38%
LEBANON, PA (FHA|USDA|VA) 2 $460,000 $230,000 $9,592 3.94%
Washington, NC (FHA|USDA|VA) 1 $455,000 $455,000 $6,014 2.63%
FORT WAYNE, IN (FHA|USDA|VA) 1 $455,000 $455,000 $6,216 2.99%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $445,000 $445,000 $4,560 2.88%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $445,000 $445,000 $21,354 4.00%
LONGVIEW, WA (FHA|USDA|VA) 2 $440,000 $220,000 $5,993 2.88%
Calhoun, GA (FHA|USDA|VA) 2 $430,000 $215,000 $7,894 3.38%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $430,000 $215,000 $6,965 3.31%
OCALA, FL (FHA|USDA|VA) 2 $430,000 $215,000 $8,737 3.31%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $420,000 $210,000 $8,896 3.19%
CLEVELAND, TN (FHA|USDA|VA) 2 $420,000 $210,000 $5,707 3.38%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $420,000 $210,000 $9,549 2.81%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $415,000 $138,333 $4,822 3.21%
Wilmington, OH (FHA|USDA|VA) 2 $410,000 $205,000 $7,506 2.81%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $410,000 $205,000 $9,944 3.56%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $405,000 $405,000 $12,258 2.75%
LUBBOCK, TX (FHA|USDA|VA) 1 $405,000 $405,000 $4,401 3.38%
VALLEJO, CA (FHA|USDA|VA) 1 $405,000 $405,000 $18,584 3.88%
Findlay, OH (FHA|USDA|VA) 2 $390,000 $195,000 $6,679 3.31%
GAINESVILLE, FL (FHA|USDA|VA) 2 $390,000 $195,000 $9,189 3.25%
Norwalk, OH (FHA|USDA|VA) 3 $385,000 $128,333 $5,032 3.38%
NAPA, CA (FHA|USDA|VA) 1 $385,000 $385,000 $10,008 2.75%
JACKSON, MI (FHA|USDA|VA) 2 $380,000 $190,000 $5,461 3.31%
Clewiston, FL (FHA|USDA|VA) 1 $375,000 $375,000 $6,826 3.25%
GREEN BAY, WI (FHA|USDA|VA) 2 $370,000 $185,000 $6,857 3.31%
MERCED, CA (FHA|USDA|VA) 2 $370,000 $185,000 $6,632 2.93%
Moses Lake, WA (FHA|USDA|VA) 1 $365,000 $365,000 $10,499 2.75%
Mount Vernon, OH (FHA|USDA|VA) 2 $360,000 $180,000 $7,577 3.44%
GREENVILLE, NC (FHA|USDA|VA) 2 $360,000 $180,000 $5,527 3.75%
TYLER, TX (FHA|USDA|VA) 2 $360,000 $180,000 $6,881 3.19%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $355,000 $118,333 $6,664 3.33%
Jefferson, GA (FHA|USDA|VA) 1 $355,000 $355,000 $8,719 3.50%
YAKIMA, WA (FHA|USDA|VA) 1 $355,000 $355,000 $8,990 3.63%
McAlester, OK (FHA|USDA|VA) 3 $345,000 $115,000 $4,677 2.88%
VICTORIA, TX (FHA|USDA|VA) 2 $340,000 $170,000 $5,049 3.31%
Meadville, PA (FHA|USDA|VA) 3 $335,000 $111,667 $6,174 3.58%
ANN ARBOR, MI (FHA|USDA|VA) 3 $335,000 $111,667 $5,297 3.42%
Fairmont, WV (FHA|USDA|VA) 2 $320,000 $160,000 $6,277 2.56%
Fremont, OH (FHA|USDA|VA) 2 $320,000 $160,000 $4,587 3.13%
CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $320,000 $160,000 $5,331 3.06%
BRUNSWICK, GA (FHA|USDA|VA) 2 $320,000 $160,000 $6,308 3.25%
CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $310,000 $155,000 $4,958 3.19%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 2 $310,000 $155,000 $5,719 3.00%
Henderson, NC (FHA|USDA|VA) 1 $305,000 $305,000 $5,226 2.75%
LAREDO, TX (FHA|USDA|VA) 1 $305,000 $305,000 $8,553 2.75%
LaGrange, GA-AL (FHA|USDA|VA) 2 $300,000 $150,000 $6,993 3.69%
Athens, OH (FHA|USDA|VA) 2 $300,000 $150,000 $5,520 3.25%
Martinsville, VA (FHA|USDA|VA) 2 $300,000 $150,000 $4,987 3.45%
Tullahoma-Manchester, TN (FHA|USDA|VA) 2 $290,000 $145,000 $7,748 3.06%
HARRISONBURG, VA (FHA|USDA|VA) 2 $290,000 $145,000 $6,218 3.06%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $285,000 $285,000 $12,326 4.00%
Oak Harbor, WA (FHA|USDA|VA) 1 $285,000 $285,000 $7,578 3.25%
Aberdeen, WA (FHA|USDA|VA) 1 $265,000 $265,000 $7,686 2.88%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $265,000 $265,000 $2,091 4.13%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $265,000 $265,000 $9,601 2.25%
Milledgeville, GA (FHA|USDA|VA) 1 $265,000 $265,000 $7,857 3.50%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $265,000 $265,000 $3,436 2.88%
DECATUR, AL (FHA|USDA|VA) 2 $260,000 $130,000 $7,089 3.19%
Crescent City, CA (FHA|USDA|VA) 1 $255,000 $255,000 $7,152 2.99%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $255,000 $255,000 $5,642 2.63%
Port Angeles, WA (FHA|USDA|VA) 1 $255,000 $255,000 $8,828 2.75%
CHICO, CA (FHA|USDA|VA) 1 $255,000 $255,000 $5,550 3.00%
DuBois, PA (FHA|USDA|VA) 2 $250,000 $125,000 $5,822 3.06%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 2 $250,000 $125,000 $5,638 3.19%
MOBILE, AL (FHA|USDA|VA) 1 $245,000 $245,000 $9,145 3.75%
FOND DU LAC, WI (FHA|USDA|VA) 1 $245,000 $245,000 $9,067 3.25%
LANCASTER, PA (FHA|USDA|VA) 1 $245,000 $245,000 $6,754 3.63%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $245,000 $245,000 $3,065 2.25%
Albertville, AL (FHA|USDA|VA) 1 $245,000 $245,000 $6,456 2.25%
Del Rio, TX (FHA|USDA|VA) 1 $245,000 $245,000 $6,142 3.50%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $235,000 $235,000 $11,180 3.88%
COLUMBUS, IN (FHA|USDA|VA) 1 $235,000 $235,000 $8,467 3.50%
SALINAS, CA (FHA|USDA|VA) 1 $235,000 $235,000 $5,051 3.13%
Chillicothe, OH (FHA|USDA|VA) 2 $230,000 $115,000 $6,035 3.25%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $225,000 $225,000 $11,443 3.25%
North Wilkesboro, NC (FHA|USDA|VA) 1 $225,000 $225,000 $5,108 3.50%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $225,000 $225,000 $6,765 3.00%
Red Wing, MN (FHA|USDA|VA) 1 $225,000 $225,000 $10,060 2.50%
LAWTON, OK (FHA|USDA|VA) 1 $225,000 $225,000 $4,510 2.25%
Lawrenceburg, TN (FHA|USDA|VA) 1 $225,000 $225,000 $6,068 3.25%
FRESNO, CA (FHA|USDA|VA) 1 $225,000 $225,000 $7,453 3.25%
Shelbyville, TN (FHA|USDA|VA) 1 $225,000 $225,000 $8,487 3.00%
ALBANY, GA (FHA|USDA|VA) 2 $220,000 $110,000 $5,452 3.38%
MIDLAND, TX (FHA|USDA|VA) 1 $215,000 $215,000 $6,328 3.50%
Corinth, MS (FHA|USDA|VA) 1 $215,000 $215,000 $7,257 4.63%
Selinsgrove, PA (FHA|USDA|VA) 1 $215,000 $215,000 $4,849 2.99%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $215,000 $215,000 $16,041 2.88%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $215,000 $215,000 $8,456 3.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $205,000 $205,000 $7,943 3.25%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $205,000 $205,000 $4,829 3.38%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $205,000 $205,000 $8,992 3.25%
Crossville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $4,099 4.38%
Granbury, TX (FHA|USDA|VA) 1 $205,000 $205,000 $5,701 3.25%
Nogales, AZ (FHA|USDA|VA) 1 $205,000 $205,000 $4,798 2.75%
DUBUQUE, IA (FHA|USDA|VA) 1 $205,000 $205,000 $12,559 2.63%
Scottsboro, AL (FHA|USDA|VA) 1 $205,000 $205,000 $9,456 2.88%
Enterprise, AL (FHA|USDA|VA) 2 $200,000 $100,000 $5,395 2.81%
Morehead City, NC (FHA|USDA|VA) 1 $195,000 $195,000 $14,653 2.75%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $195,000 $195,000 $8,530 3.25%
Muskogee, OK (FHA|USDA|VA) 1 $195,000 $195,000 $4,992 3.25%
ABILENE, TX (FHA|USDA|VA) 1 $195,000 $195,000 $10,714 3.75%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $195,000 $195,000 $8,272 3.63%
BURLINGTON, NC (FHA|USDA|VA) 1 $185,000 $185,000 $8,279 2.75%
GREELEY, CO (FHA|USDA|VA) 1 $185,000 $185,000 $6,768 3.38%
VISALIA, CA (FHA|USDA|VA) 1 $185,000 $185,000 $7,060 4.25%
VALDOSTA, GA (FHA|USDA|VA) 2 $180,000 $90,000 $5,677 3.63%
READING, PA (FHA|USDA|VA) 1 $175,000 $175,000 $8,391 4.25%
Platteville, WI (FHA|USDA|VA) 1 $175,000 $175,000 $7,842 2.88%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $175,000 $175,000 $7,980 3.00%
Altus, OK (FHA|USDA|VA) 1 $175,000 $175,000 $9,771 2.88%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $175,000 $175,000 $8,210 3.25%
JOHNSON CITY, TN (FHA|USDA|VA) 1 $165,000 $165,000 $5,620 3.38%
Manitowoc, WI (FHA|USDA|VA) 1 $165,000 $165,000 $3,920 4.13%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $165,000 $165,000 $4,166 3.25%
New Castle, IN (FHA|USDA|VA) 1 $165,000 $165,000 $2,773 3.13%
Key West, FL (FHA|USDA|VA) 1 $165,000 $165,000 $4,400 2.75%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $165,000 $165,000 $4,231 3.25%
Tifton, GA (FHA|USDA|VA) 1 $165,000 $165,000 $6,406 3.63%
LIMA, OH (FHA|USDA|VA) 1 $165,000 $165,000 $5,467 3.25%
LOUISVILLE, KY (FHA|USDA|VA) 1 $165,000 $165,000 $9,566 3.25%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $165,000 $165,000 $8,345 3.38%
RACINE, WI (FHA|USDA|VA) 1 $165,000 $165,000 $9,139 3.00%
McComb, MS (FHA|USDA|VA) 1 $165,000 $165,000 $8,899 3.25%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $165,000 $165,000 $5,407 3.38%
SAN ANGELO, TX (FHA|USDA|VA) 1 $165,000 $165,000 $10,309 3.88%
Pella, IA (FHA|USDA|VA) 1 $165,000 $165,000 $7,514 3.75%
Sulphur Springs, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,356 3.88%
Boone, NC (FHA|USDA|VA) 1 $165,000 $165,000 $5,850 3.25%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $165,000 $165,000 $6,650 2.75%
Show Low, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $5,965 2.88%
Thomaston, GA (FHA|USDA|VA) 1 $155,000 $155,000 $7,714 3.25%
LAFAYETTE, LA (FHA|USDA|VA) 1 $155,000 $155,000 $5,626 3.25%
STAUNTON, VA (FHA|USDA|VA) 1 $155,000 $155,000 $5,102 3.25%
Oskaloosa, IA (FHA|USDA|VA) 1 $145,000 $145,000 $5,531 3.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $145,000 $145,000 $4,316 3.38%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $145,000 $145,000 $9,478 2.75%
St. Marys, GA (FHA|USDA|VA) 1 $135,000 $135,000 $4,844 2.99%
JACKSON, TN (FHA|USDA|VA) 1 $135,000 $135,000 $4,236 3.63%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $135,000 $135,000 $6,897 4.25%
Pottsville, PA (FHA|USDA|VA) 1 $135,000 $135,000 $8,281 3.25%
Van Wert, OH (FHA|USDA|VA) 1 $135,000 $135,000 $7,163 3.00%
Picayune, MS (FHA|USDA|VA) 1 $135,000 $135,000 $4,091 3.75%
ROME, GA (FHA|USDA|VA) 1 $125,000 $125,000 $7,230 3.25%
Kinston, NC (FHA|USDA|VA) 1 $125,000 $125,000 $6,155 3.13%
Portsmouth, OH (FHA|USDA|VA) 1 $115,000 $115,000 $6,418 3.75%
Bradford, PA (FHA|USDA|VA) 1 $115,000 $115,000 $2,735 3.25%
Hillsdale, MI (FHA|USDA|VA) 1 $115,000 $115,000 $7,011 3.25%
Oxford, MS (FHA|USDA|VA) 1 $115,000 $115,000 $6,790 3.25%
Marion, OH (FHA|USDA|VA) 1 $115,000 $115,000 $6,528 3.25%
Cordele, GA (FHA|USDA|VA) 1 $105,000 $105,000 $6,674 3.25%
Mason City, IA (FHA|USDA|VA) 1 $105,000 $105,000 $2,942 3.50%
Bedford, IN (FHA|USDA|VA) 1 $105,000 $105,000 $4,503 4.00%
BECKLEY, WV (FHA|USDA|VA) 1 $95,000 $95,000 $5,918 3.45%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $95,000 $95,000 $6,869 3.50%
Hutchinson, MN (FHA|USDA|VA) 1 $95,000 $95,000 $3,745 3.75%
PEORIA, IL (FHA|USDA|VA) 1 $85,000 $85,000 $6,374 3.25%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $85,000 $85,000 $5,555 3.25%
Ottawa, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,406 3.38%
Tupelo, MS (FHA|USDA|VA) 1 $75,000 $75,000 $1,881 2.88%
Defiance, OH (FHA|USDA|VA) 1 $75,000 $75,000 $6,239 2.50%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $75,000 $75,000 $2,080 3.50%
Indiana, PA (FHA|USDA|VA) 1 $65,000 $65,000 $5,735 3.50%
Duncan, OK (FHA|USDA|VA) 1 $65,000 $65,000 $5,015 3.88%
Liberty Home Mortgage Corporation's top markets include Cleveland, Akron, Atlanta, Charlotte, and Cincinnati among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,636 $363,160,000 $221,980 $5,501 3.27%
    FHA 1,043 $186,025,000 $178,356 $8,094 3.29%
    VA 234 $68,150,000 $291,239 $6,750 2.75%
    USDA 59 $9,205,000 $156,017 $6,355 3.07%

    For 2021, Liberty Home Mortgage Corporation's most frequently originated type of loan was Conventional, with 1,636 originations. Their 2nd most popular type was FHA, with 1,043 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,037 $403,905,000 $198,284 $6,728 3.32%
    Refi 710 $170,870,000 $240,662 $5,726 2.97%
    Home Improvement 174 $40,120,000 $230,575 $7,442 3.23%
    Cash Out Refi 51 $11,645,000 $228,333 $6,622 3.38%

    For 2021, Liberty Home Mortgage Corporation's most frequently cited loan purpose was Home Purchase, with 2,037 originations. The 2nd most popular reason was Refi, with 710 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,740 $580,860,000 $211,993 $6,636 3.25%
    15 Year 122 $24,740,000 $202,787 $5,167 2.68%
    20 Year 59 $12,185,000 $206,525 $5,271 3.15%
    Other 46 $7,990,000 $173,696 $5,465 3.45%
    10 Year 5 $765,000 $153,000 $4,580 2.73%

    For 2021, Liberty Home Mortgage Corporation's most frequently cited loan duration was 30 Year, with 2,740 originations. The 2nd most popular length was 15 Year, with 122 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 951 $178,805,000 $188,018
    $3k-4k 527 $98,815,000 $187,505
    $<1k 458 $103,230,000 $225,393
    $1k-2k 416 $83,730,000 $201,274
    $5k+ 391 $110,745,000 $283,235
    $4k-5k 220 $49,820,000 $226,455

    Liberty Home Mortgage Corporation's average total fees were $6,636, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 951 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,841 $363,775,000 $197,596
    2.5-3% 772 $177,740,000 $230,233
    <2.5% 225 $61,035,000 $271,267
    4-5% 128 $23,110,000 $180,547
    5-6% 4 $450,000 $112,500

    During 2021, Liberty Home Mortgage Corporation's average interest rate for loans was 3.25%, while their most frequently originated rate bucket for loans was 3-4%, with 1,841 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,404 $212,140,000 $151,097 $6,067 3.31%
    $200k-400k 1,128 $306,040,000 $271,312 $7,309 3.16%
    $100,000 or less 259 $20,495,000 $79,131 $4,829 3.27%
    $400k-600k 171 $80,735,000 $472,135 $7,086 3.00%
    $600k-1MM 9 $6,065,000 $673,889 $16,650 2.74%
    $1MM+ 1 $1,065,000 $1,065,000 $20,150 2.75%

    2021 saw Liberty Home Mortgage Corporation place emphasis on $100k-200k loans with 1,404 originations, totaling $212,140,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,041 $169,345,000 $162,675 $5,902 3.17%
    $50k-75k 866 $165,710,000 $191,351 $6,686 3.28%
    $75k-100k 444 $104,460,000 $235,270 $6,958 3.28%
    $100k-150k 409 $114,055,000 $278,863 $7,345 3.26%
    $150k-250k 170 $57,270,000 $336,882 $6,539 3.16%
    $250k+ 37 $14,515,000 $392,297 $6,616 3.11%

    Liberty Home Mortgage Corporation lent most frequently to those with incomes in the $50k or less range, with 1,041 originations. The second most popular income band? $50k-75k, with 866 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 499 $104,435,000 $209,289 $6,205 3.29%
    20-30% 471 $95,645,000 $203,068 $5,853 3.24%
    50-60% 306 $59,000,000 $192,810 $8,545 3.23%
    <20% 128 $26,230,000 $204,922 $5,451 3.12%
    39% 116 $24,870,000 $214,397 $7,043 3.30%
    42% 114 $23,350,000 $204,825 $7,063 3.31%
    43% 114 $23,710,000 $207,982 $6,633 3.40%
    44% 112 $24,250,000 $216,518 $6,615 3.26%
    40% 109 $22,125,000 $202,982 $6,156 3.34%
    45% 100 $22,420,000 $224,200 $6,481 3.31%
    49% 98 $20,940,000 $213,673 $6,791 3.28%
    41% 93 $19,365,000 $208,226 $6,312 3.29%
    48% 92 $18,470,000 $200,761 $6,981 3.31%
    46% 86 $19,240,000 $223,721 $7,235 3.23%
    36% 85 $15,865,000 $186,647 $6,273 3.34%
    37% 81 $17,335,000 $214,012 $6,875 3.26%
    38% 81 $16,625,000 $205,247 $6,603 3.29%
    47% 80 $16,980,000 $212,250 $6,872 3.32%
    >60% 5 $1,715,000 $343,000 $5,003 3.03%

    Liberty Home Mortgage Corporation lent most frequently to those with DTI ratios of 30-36%, with 499 originations. The next most common DTI ratio? 20-30%, with 471 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,266 $463,160,000 $204,395 $6,375 3.24%
    Not provided 306 $78,090,000 $255,196 $6,812 3.14%
    Black 329 $67,795,000 $206,064 $7,250 3.28%
    Asian 62 $15,460,000 $249,355 $6,825 3.18%
    American Indian 5 $1,315,000 $263,000 $7,131 3.33%
    Native Hawaiian or Islander 3 $525,000 $175,000 $6,519 3.71%
    Asian Indian 1 $195,000 $195,000 $5,405 3.15%

    Approval Rates

    Total approvals of all applications
    93.40%

    Liberty Home Mortgage Corporation has an average approval rate.

    Pick Rate

    Approvals leading to origination
    56.09%

    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 2,972 $626,540,000 $210,814

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,972 $626,540,000 $210,814

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 21 $3,505,000 $166,905 $5,085 2.91%
    40-60% 155 $34,345,000 $221,581 $5,607 2.97%
    60-80% 645 $146,375,000 $226,938 $6,058 3.21%
    80-100% 2,122 $434,920,000 $204,958 $6,694 3.27%
    Over 100% 24 $7,200,000 $300,000 $12,729 3.12%
    Under 20% 5 $195,000 $39,000 $768 0.68%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Liberty Home Mortgage Corporation Conventional home mortgage Closing on a mortgage 1 20.0%
    Liberty Home Mortgage Corporation FHA mortgage Closing on a mortgage 1 20.0%
    Liberty Home Mortgage Corporation FHA mortgage Trouble during payment process 1 20.0%
    Liberty Home Mortgage Corporation Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%
    Liberty Home Mortgage Corporation FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%