Liberty Home Equity Solutions Mortgage Rates, Fees & Info
Sacramento, CALEI: 549300QUX3LK82LO3013
Tax ID: 20-0142846
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Mortgage Data
Review & Overview
Liberty Home Equity Solutions is a smaller mortgage company specializing in Refi loans. They have a a high proportion of FHA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, San Francisco, Denver, San Diego, and New York among others. We have data for 140 markets. (Some data included below & more in-depth data is available with an active subscription.)Liberty Home Equity Solutions has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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.
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Originations
625Origination Dollar Volume (All Markets)
$155,345,000Top 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 |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 86 | $33,670,000 | $391,512 | $0 | 3.87% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 26 | $11,360,000 | $436,923 | $0 | 4.11% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 36 | $8,340,000 | $231,667 | $0 | 3.75% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 19 | $7,995,000 | $420,789 | $0 | 4.02% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 25 | $7,085,000 | $283,400 | $0 | 3.87% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 26 | $6,120,000 | $235,385 | $0 | 3.82% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 17 | $4,515,000 | $265,588 | $0 | 3.64% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 15 | $3,885,000 | $259,000 | $0 | 3.92% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 19 | $3,805,000 | $200,263 | $0 | 3.77% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 14 | $3,580,000 | $255,714 | $0 | 3.94% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 7 | $3,235,000 | $462,143 | $0 | 4.55% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 13 | $2,885,000 | $221,923 | $0 | 3.86% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 11 | $2,745,000 | $249,545 | $0 | 3.69% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 10 | $2,620,000 | $262,000 | $0 | 3.78% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 17 | $2,615,000 | $153,824 | $0 | 3.78% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 12 | $2,460,000 | $205,000 | $0 | 3.55% |
| FORT COLLINS, CO (FHA|USDA|VA) | 8 | $2,080,000 | $260,000 | $0 | 3.88% |
| Outside of Metro Areas | 12 | $1,780,000 | $148,333 | $0 | 3.79% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 9 | $1,655,000 | $183,889 | $0 | 3.61% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 8 | $1,630,000 | $203,750 | $0 | 3.60% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $1,550,000 | $387,500 | $0 | 3.37% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $1,465,000 | $209,286 | $0 | 3.81% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $1,430,000 | $238,333 | $0 | 3.48% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 8 | $1,420,000 | $177,500 | $0 | 3.52% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 8 | $1,370,000 | $171,250 | $0 | 3.71% |
| BOISE CITY, ID (FHA|USDA|VA) | 7 | $1,315,000 | $187,857 | $0 | 3.69% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 4 | $1,300,000 | $325,000 | $0 | 4.01% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $1,230,000 | $205,000 | $0 | 3.69% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $0 | 3.66% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 6 | $1,130,000 | $188,333 | $0 | 3.87% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $0 | 3.84% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $0 | 3.94% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $0 | 3.49% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $0 | 3.70% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $0 | 3.63% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $700,000 | $116,667 | $0 | 4.36% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $615,000 | $123,000 | $0 | 3.86% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $0 | 3.53% |
| MISSOULA, MT (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $0 | 3.70% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $0 | 3.83% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $0 | 3.51% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $0 | 3.95% |
| PROVO-OREM, UT (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $0 | 3.33% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 3.75% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $0 | 3.55% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 3.48% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $0 | 3.49% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $0 | 3.22% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 3.67% |
| CHICO, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 3.82% |
| Edwards, CO (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 3.51% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $0 | 3.73% |
| Heber, UT (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 3.31% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $0 | 3.88% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 3.80% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 3.71% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 3.48% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $0 | 3.71% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $0 | 3.72% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $0 | 3.89% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 3.67% |
| MERCED, CA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 3.51% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 3.73% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 3.93% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 3.92% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 3.74% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 4.21% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 3.97% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 3.57% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 4.04% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 3.75% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 3.55% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $0 | 4.14% |
| Craig, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 3.59% |
| OCALA, FL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 3.70% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 3.43% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 4.07% |
| RENO, NV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.46% |
| Ottawa, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.67% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.23% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.31% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 4.21% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 3.46% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $0 | 3.57% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.84% |
| BEND, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.66% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.97% |
| Fort Morgan, CO (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.80% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 4.13% |
| Fernley, NV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.97% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.80% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.93% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.67% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.42% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.54% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.71% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.96% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.79% |
| Bonham, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.54% |
| Outside of Metro Areas | 1 | $145,000 | $145,000 | $0 | 3.51% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.54% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.79% |
| Burley, ID (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.38% |
| Payson, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.38% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.26% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.50% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.84% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.43% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.09% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.13% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.60% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.68% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.26% |
| Price, UT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.31% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.50% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.17% |
| MADISON, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 4.50% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.50% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.71% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.72% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.55% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 3.80% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.38% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.68% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.71% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 3.72% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.67% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.26% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.68% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.71% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 3.68% |
| Parsons, KS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.71% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 3.80% |
| Eufaula, AL-GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.84% |
| Susanville, CA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 3.67% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 3.68% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.34% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.84% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 2.88% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| FHA | 610 | $146,590,000 | $240,311 | $0 | 3.76% |
| Reverse Mortgage | 10 | $7,930,000 | $793,000 | $0 | 6.69% |
| FHA | 5 | $825,000 | $165,000 | $0 | 4.45% |
For 2020, Liberty Home Equity Solutions's most frequently originated type of loan was FHA, with 610 originations. Their 2nd most popular type was Reverse Mortgage, with 10 originations.
Loan Reason
For 2020, Liberty Home Equity Solutions's most frequently cited loan purpose was Refi, with 503 originations. The 2nd most popular reason was Home Improvement, with 91 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 625 | $155,345,000 | $248,552 | $0 | 3.81% |
For 2020, Liberty Home Equity Solutions's most frequently cited loan duration was Other, with 625 originations.
Interest Rates
During 2020, Liberty Home Equity Solutions's average interest rate for loans was 0.00%, while their most frequently originated rate bucket for loans was 3-4%, with 478 originations.
Loan Sizing
2020 saw Liberty Home Equity Solutions place emphasis on $200k-400k loans with 254 originations, totaling $72,460,000 in origination value.
Applicant Income
Liberty Home Equity Solutions lent most frequently to those with incomes in the $50k or less range, with 553 originations. The second most popular income band? $50k-75k, with 57 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.47%
Liberty Home Equity Solutions has an average approval rate.
Pick Rate
Approvals leading to origination73.28%
Liberty Home Equity Solutions has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 625 | $155,345,000 | $248,552 |