Applications / Mortgage Analytics / Lenders / Alabama / Liberty Mortgage
Birmingham, AL · Independent non-bank lender · CFPB · 63 loans in 2025
Liberty Mortgage's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
63
loans originated, 2025
63
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty Mortgage, an independent lender that mostly finances home purchases in Alabama, grew its loans 34% in 2025 while similar lenders shrank, though it remains far smaller than it was in 2020.
Liberty Mortgage made 63 loans in 2025, up from 47. Similar lenders (independent lenders making between half and twice as many loans) shrank 4%, while the whole market grew 10%. Its growth was faster than about nine in ten of those peers. The numbers are small, so one good year moves them a long way.
The lender made 387 loans in 2020 and 278 in 2021, then fell to 53 by 2023. The rise of 2025 recovers only a little of that. The data do not say why. Its typical rate was 2.75% in 2020 against 6.50% in 2025, and dearer borrowing may account for much of the fall.
Home purchases made up 85.7% of its loans, all of them in Alabama. Its typical loan, $325,000, was larger than peers' $275,000. Loans insured by the Federal Housing Administration (FHA) were 14.3% of the total, about double peers' 7.4%. In Birmingham, its largest market, its share edged up to 0.3% from 0.2%.
Only 6.5% of its loans went to low- and moderate-income (LMI) neighborhoods, against 18.8% for peers, lower than about nine in ten of them. Majority-minority neighborhoods took 6.3%, against 32.8%. Its larger loans may point to better-off buyers, and its focus on home purchases in a handful of Alabama markets may matter too.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Mortgage took 63 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.7% · Refinance 14.3%
Conventional 85.7% · FHA 14.3% · of 63 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 |
|---|---|---|
| Alabama | 63 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Birmingham | 52 |
| Auburn-Opelika | 1 |
| Daphne-Fairhope-Foley | 1 |
| Gadsden | 1 |
| Mobile | 1 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008SGDIASSJGSR05 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3914274 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7630901920 | |
| Respondent ID (the HMDA filer code before 2018) | 7142309995 | 1999–2016 |
Established 30 April 1985. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Liberty Mortgage's data.
Liberty Mortgage's data
$215
Liberty 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.
Buy Liberty Mortgage's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]