Applications / Mortgage Analytics / Lenders / Colorado / American Liberty Mortgage
Denver, CO · Independent non-bank lender · CFPB · 507 loans in 2025
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507
loans originated, 2025
773
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Liberty Mortgage, a Denver non-bank lender that first reported in 2021, grew its loans by 38% in 2025, faster than about nine in ten similar lenders.
It made 979 loans in its first reported year, 2021, then fell to 274 in 2023. It has grown since, to 507 in 2025. The 38% rise compares with 2% at similar lenders, meaning independent non-bank lenders making between half and twice as many loans, and 10% for the whole market.
Home purchases made up 78.5% of its loans. Loans insured by the Federal Housing Administration (FHA) took 35.1%, against 20.2% at the typical similar lender, and loans guaranteed by the Department of Veterans Affairs another 8.5%. Manufactured homes were 4.9% of its loans, more than at about nine in ten similar lenders. Its refinance denial rate, 5.7%, was lower than similar lenders' 9.9%.
Its most striking market is Victoria, Texas. It entered in 2025 and ranked 7 of 170 lenders there, with 4.4% of the market. In Denver, its home market, it ranked 90 of 754 and its share rose to 0.3% from 0.2%. It now lends in 11 states and 38 metros.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Liberty Mortgage took 773 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.5% · Refinance 21.3% · Other 0.2%
Conventional 56.2% · FHA 35.1% · VA 8.5% · USDA (RHS or FSA) 0.2% · of 507 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Colorado | 319 | 62.9% |
| Texas | 84 | 16.6% |
| Florida | 76 | 15.0% |
| Arizona | 8 | 1.6% |
| North Carolina | 5 | 1.0% |
| Washington | 5 | 1.0% |
| Tennessee | 3 | 0.6% |
| Nebraska | 2 | 0.4% |
| South Carolina | 2 | 0.4% |
| Wyoming | 2 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 178 |
| Colorado Springs | 57 |
| Lakeland-Winter Haven | 50 |
| Victoria | 48 |
| Greeley | 23 |
| Fort Collins-Loveland | 14 |
| Pueblo | 14 |
| Orlando-Kissimmee-Sanford | 7 |
| Tampa | 6 |
| Boulder | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HV02VPA0FYR272 | 2021–2025 |
Established date not on record. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: American Liberty Mortgage's data.
American Liberty Mortgage's data
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