Liberty
5,975 mortgages originated in 2025 across 15 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,975
- Median rate
- 6.750%
- Median lender fees
- $3,725
- Median loan amount
- $195,000
- Median spread over APOR
- 0.290
- Paid discount points
- 29.6%
- Received lender credits
- 24.5%
- Purchases / refinances
- 59.4% / 32.6%
- Conventional / FHA / VA
- 88.1% / 9.3% / 1.5%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 77.8% of loans here — see methodology.
Where Liberty lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Indiana | 1,930 | $2,630 | 6.875% |
| Kentucky | 1,792 | $3,732 | 6.625% |
| Tennessee | 687 | $5,837 | 6.875% |
| Georgia | 245 | $6,062 | 6.750% |
| Florida | 215 | $6,191 | 6.750% |
| Colorado | 154 | $3,792 | 6.438% |
| North Carolina | 116 | $4,291 | 6.688% |
| Texas | 106 | $4,495 | 6.625% |
| Virginia | 101 | $4,439 | 7.000% |
| South Carolina | 95 | $4,870 | 6.625% |
| Mississippi | 92 | $4,162 | 6.500% |
| Illinois | 86 | $2,670 | 6.813% |
| Pennsylvania | 85 | $5,767 | 6.500% |
| Ohio | 77 | $4,268 | 6.500% |
| Alabama | 59 | $5,575 | 6.750% |