Applications / Mortgage Analytics / Lenders / Ohio / Liberty Home Mortgage
Strongsville, OH · Independent non-bank lender · CFPB · 882 loans in 2025
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882
loans originated, 2025
1,393
applications, 2025
30
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty Home Mortgage, an Ohio lender, makes small, often government-insured purchase loans and lends to lower-income borrowers more than almost any similar lender.
Low- and moderate-income (LMI) borrowers took 50.5% of its loans, higher than at almost all similar lenders (independent non-bank lenders making between half and twice as many loans), whose typical share was 26.5%. Poorer neighborhoods took 30.4%, against 18.1% at its peers.
Loans insured by the Federal Housing Administration (FHA) made up 46.0% of its lending, about double the 21.7% typical of similar lenders. Its typical loan was $200,000, against $325,000, lower than at more than nine in ten of them. Home purchases made up 87.8% of what it lent.
It made 2,972 loans in 2021 and 882 in 2025. Last year its loans fell 21% while similar lenders typically grew 2%; the data do not show why. Yet in Cleveland, OH, where it ranks 29 of 577 lenders by dollars lent, its share held at 0.8%, and in Akron, OH, where it ranks 24 of 401, its share edged up from 0.7% to 0.8%.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Liberty Home Mortgage took 1,393 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.8% · Refinance 12.1% · Home improvement 0.1%
Conventional 49.2% · FHA 46.0% · VA 4.1% · USDA (RHS or FSA) 0.7% · of 882 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 |
|---|---|---|
| Ohio | 746 | 84.6% |
| Georgia | 50 | 5.7% |
| Florida | 16 | 1.8% |
| Texas | 10 | 1.1% |
| South Carolina | 9 | 1.0% |
| Tennessee | 6 | 0.7% |
| California | 4 | 0.5% |
| Michigan | 4 | 0.5% |
| Nevada | 4 | 0.5% |
| New Jersey | 3 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cleveland | 383 |
| Akron | 119 |
| Youngstown-Warren | 39 |
| Cincinnati | 31 |
| Columbus | 28 |
| Canton-Massillon | 27 |
| Dayton-Kettering-Beavercreek | 25 |
| Atlanta-Sandy Springs-Roswell | 14 |
| Augusta-Richmond County | 8 |
| Toledo | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B2JJHSM77T5Y41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5082681 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7463525878 |
Established 28 August 2013. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Liberty Home Mortgage's data.
Liberty Home Mortgage's data
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Liberty Home Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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