Purchase Originations
1,011
Ranked #376 nationally
Median Total Costs
$3,916
−41.4% vs national ($6,680)
↑ $60 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$575
Median Lender Credits
$5,000
Cost Rank (500+ vol.)
#101
among lenders with 500+ originations
Denial Rate
3.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 973 | 6.125% | $3,879 | $575 |
| fha | 38 | 6.250% | $9,178 | $575 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Connecticut | 828 | 6.125% | $3,888 | #5 |
| Massachusetts | 180 | 5.875% | $4,243 | #56 |
| Rhode Island | 3 | 6.625% | $4,283 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,236 | 5.875% | — | 3 | −$680 | |
| 2 | $3,378 | 5.875% | — | 4 | −$538 | |
| 3 | $3,415 | 6.125% | — | 71 | −$501 | |
| 4 | $3,468 | 6.000% | — | 8 | −$448 | |
| 5 | $3,563 | 5.875% | — | 2 | −$353 | |
| 6 | $3,781 | 6.125% | — | 58 | −$135 | |
| 7 | $3,805 | 6.125% | — | 121 | −$111 | |
| 8 | $3,811 | 6.250% | — | 24 | −$105 | |
| 9 | $3,878 | 6.125% | — | 335 | −$38 | |
| 10 | $3,913 | 6.688% | — | 2 | −$3 | |
| 11 | $3,934 | 6.000% | — | 109 | +$18 | |
| 12 | $3,987 | 6.125% | — | 160 | +$71 | |
| 13 | $4,022 | 6.125% | — | 9 | +$106 | |
| 14 | $4,227 | 5.750% | — | 12 | +$311 | |
| 15 | $4,487 | 6.062% | — | 12 | +$571 | |
| 16 | $5,185 | 5.625% | — | 7 | +$1,269 | |
| 17 | $5,217 | 5.750% | — | 50 | +$1,301 | |
| 18 | $5,360 | 5.750% | — | 14 | +$1,444 | |
| 19 | $5,391 | 5.938% | — | 2 | +$1,475 | |
| 20 | $6,349 | 5.625% | — | 6 | +$2,433 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Liberty Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $3,916 | $7,127 | −$3,211 (−45.1%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.