Liberty Home Mortgage Corporation: 2025 mortgage rates, costs & approvals
How Liberty Home Mortgage Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: LIBERTY HOME MORTGAGE CORPORATION · LEI 549300B2JJHSM77T5Y41
In 2025, Liberty Home Mortgage Corporation originated 781 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 29 states — 558th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was 65 basis points above the national median. Median conventional loan costs were $6,450, 16% higher than the national median ($5,570).
It denied 8.1% of completed home-purchase applications (all lenders: 8.5%).
How Liberty Home Mortgage Corporation priced home-purchase loans
| Purchase loans, 2025 | Liberty Home Mortgage Corporation | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.875% | 6.625% |
| 30-year fixed rate · FHA | 6.750% | 6.250% |
| 30-year fixed rate · VA | 6.750% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.79 pts | +0.13 pts |
| Total loan costs · conventional | $6,450 | $5,570 |
| Total loan costs · FHA | $9,150 | $11,310 |
| Total loan costs · VA | $7,160 | $6,490 |
| Origination charges (all types) | $3,190 | $1,860 |
| Borrowers paying discount points | 70.7% | 51.3% |
| Points paid, when paid (% of loan) | 0.94% | 0.87% |
| Borrowers receiving lender credits | 48.6% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Liberty Home Mortgage Corporation denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Liberty Home Mortgage Corporation lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Ohio | 676 | 729 | 6.6% | 6.875% | $6,350 |
| Georgia | 41 | 53 | 18.4% | — | — |
| Florida | 13 | 17 | — | — | — |
| South Carolina | 6 | 8 | — | — | — |
| Texas | 5 | 6 | — | — | — |
| Nevada | 4 | 4 | — | — | — |
| Tennessee | 4 | 4 | — | — | — |
| New Jersey | 3 | 8 | — | — | — |
| Michigan | 3 | 5 | — | — | — |
| Virginia | 3 | 4 | — | — | — |
| Wisconsin | 3 | 3 | — | — | — |
| West Virginia | 2 | 3 | — | — | — |
| Indiana | 2 | 2 | — | — | — |
| North Carolina | 2 | 2 | — | — | — |
| Pennsylvania | 1 | 2 | — | — | — |
| Washington | 1 | 2 | — | — | — |
| Arizona | 1 | 1 | — | — | — |
| California | 1 | 1 | — | — | — |
| Colorado | 1 | 1 | — | — | — |
| District of Columbia | 1 | 1 | — | — | — |
| Illinois | 1 | 1 | — | — | — |
| Kansas | 1 | 1 | — | — | — |
| Kentucky | 1 | 1 | — | — | — |
| Massachusetts | 1 | 1 | — | — | — |
| Maryland | 1 | 1 | — | — | — |
| Mississippi | 1 | 1 | — | — | — |
| New Mexico | 1 | 1 | — | — | — |
| Oklahoma | 1 | 1 | — | — | — |
| Alabama | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Liberty Home Mortgage Corporation's page for that state.
Counties where Liberty Home Mortgage Corporation is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Ashtabula County, OH | 11 | 19 | 1.7% |
| Lake County, OH | 13 | 59 | 1.6% |
| Morgan County, OH | 17 | 2 | 1.6% |
| Early County, GA | 14 | 1 | 1.5% |
| Cuyahoga County, OH | 18 | 203 | 1.5% |
| Portage County, OH | 17 | 27 | 1.4% |
| Jackson County, OH | 18 | 4 | 1.3% |
| Tuscarawas County, OH | 16 | 10 | 1.2% |
| Summit County, OH | 20 | 84 | 1.1% |
| Crawford County, GA | 23 | 1 | 1.1% |
| Geauga County, OH | 23 | 12 | 1.0% |
| Belmont County, OH | 24 | 6 | 1.0% |
| Muskingum County, OH | 22 | 10 | 0.8% |
| Jefferson County, OH | 22 | 5 | 0.8% |
| Trumbull County, OH | 21 | 20 | 0.8% |
Check Liberty Home Mortgage Corporation yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300B2JJHSM77T5Y41.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Liberty Home Mortgage Corporation with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology