Lender in Tennessee · HMDA 2025
Liberty mortgages in Tennessee
Liberty's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
Liberty originated 327 owner-occupied single-family loans in Tennessee from 343 completed applications.
Its median conventional purchase loan costs were $6,110 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.625% (Tennessee: 6.624%).
Loans in TN
327
of 343 applications
Denial rate
3.4%
Purchase · TN 7.7%
Rate spread
+0.28 pts
Conv. · TN +0.11 pts
Loan amount
$445,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 296 | 285 | 3.4% | 6.625% | +0.28 pts | $6,110 | $445,000 |
| Refinance | 22 | 20 | 9.1% | — | — | — | $535,000 |
| Cash-out refinance | 25 | 22 | 12.0% | — | — | — | $305,000 |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where Liberty ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bledsoe County | 7 | 3 | 2.0% |
| Perry County | 8 | 2 | 2.7% |
| Clay County | 18 | 1 | 1.5% |
| Williamson County | 20 | 52 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology