Liberty Home Mortgage Corporation

What Liberty Home Mortgage Corporation does

Liberty Home Mortgage Corporation is a privately held, independent residential mortgage lender headquartered at 6225 Oak Tree Blvd., Independence, Ohio (NMLS #1114762), operating across 46 U.S. states. Founded by Khash Saghafi, the company directly originates a broad residential mortgage product portfolio spanning Conventional (FNMA/FHLMC conforming and specialty programs including HomeOne, HomeReady, HomeStyle, RefiNow, RefiPossible, CHOICEReno), FHA (including 203(k) renovation and Streamline refinance), VA, USDA rural housing, and Non-QM/Jumbo products (Bank Statement, DSCR, Investor Advantage). Liberty also serves non-prime and hard-to-verify-income borrowers that are underserved by mainstream prime lenders. Customer acquisition is driven through a distributed branch network of licensed loan officers who operate semi-independent branded branches with P&L control, supported by digital marketing, a borrower-facing application portal at myloan.libertyhm.com, social media channels, and real estate agent referral networks.

The company is built on a third-party-integrated technology stack rather than proprietary systems: Ellie Mae's Encompass360 Loan Origination System handles origination processing, nCino (formerly Simple Nexus) powers the borrower Point-of-Sale and application portal, Polly provides real-time rate pricing and lock functionality, Total Expert serves as the enterprise CRM, Velocify handles lead management, FinLocker supplies borrower financial data, AllRegs delivers loan compliance and guideline intelligence, BirdEye manages reputation and review aggregation, and membership in Lenders One provides secondary market execution and investor access. Liberty additionally integrates Fello, Modex, MMI, and BAI into its operating stack.

Liberty's revenue model is transaction-based: it earns origination fees on closed purchase, refinance, and cash-out loans, plus a margin (gain-on-sale) on the spread between the rate offered to borrowers and the rate at which loans are sold to secondary market investors. Pricing is quote-driven and not publicly disclosed, varying by borrower qualification, loan type, and market conditions. The go-to-market motion is sales-led through the licensed loan officer branch network, with the company maintaining all required state mortgage lending licenses, NMLS registration, Equal Housing Opportunity compliance, and BBB accreditation. Recognized on the Inc. 5000 list and with Merit Best Workplace awards in 2022 and 2023, Liberty has scaled its branch-led origination model nationally, though it remains a mid-tier independent mortgage bank rather than a top-10 retail lender.

Name

Liberty Home Mortgage Corporation

Legal name

Liberty Home Mortgage Corporation

Website

https://libertyhomemortgage.org

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

Liberty Home Mortgage Corporation is a privately held, Ohio-based independent residential mortgage lender licensed in 46 U.S. states, originating Conventional, FHA, VA, USDA, Non-QM, and Jumbo loans through a distributed branch network of licensed loan officers operating semi-independent branded branches.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

Keywords

• Residential mortgage lending
• Home purchase loans
• Mortgage refinancing services
• FHA VA loans
• Non-QM lending

Headquarters

HQ city

Independence

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Mortgage Origination: Liberty Home Mortgage generates revenue through origination fees charged on mortgage loans closed. Revenue is earned when borrowers close on purchase, refinance, or cash-out loans. The company offers Conventional (FNMA/FHLMC), FHA, VA, USDA, and Non-QM/Jumbo loan products.
2. Interest Rate Margins: Revenue is generated through the spread between the rate offered to borrowers and the rate at which loans are sold to investors in the secondary mortgage market.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Liberty Home Mortgage Corporation is a residential mortgage lender that directly originates home purchase loans, rate/term refinances, cash-out refinances, debt consolidation mortgages, renovation and construction loans, and government-backed mortgages (FHA, VA, USDA), as well as Non-QM and Jumbo loan products. It serves individual consumers and investors in 46 U.S. states through a decentralized network of licensed loan officers operating under a branch model with P&L autonomy, supported by an integrated digital origination platform.

Product overview

Liberty Home Mortgage Corporation operates as a mortgage lender offering a unified mortgage lending platform that combines loan origination, processing, and borrower management through technology integrations. The company's core product portfolio consists of five primary mortgage product categories: Conventional loan programs (through FNMA and FHLMC including HomeOne, Home Possible, CHOICEReno, HomeReady, RefiNow, HomeStyle), FHA government-insured loans (including 203(k) renovation and Streamline refinance), VA loans for veterans, USDA rural housing loans, and Non-QM/Jumbo products for investors and borrowers with unique financial situations. These are complemented by digital tools including an online mortgage calculator and free homebuyer guidebook, all delivered through their branded loan officer network and technology-enabled platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Loan Programs A suite of conforming mortgage products issued through Fannie Mae (FNMA) and Freddie Mac (FHLMC), including Conforming, Super Conforming, High Balance Conforming, HomeOne, Home Possible, CHOICEReno, RefiPossible, HomeReady, RefiNow, HomeStyle, and Temporary Buydown programs for prime-credit home purchase and refinance borrowers.
• FHA Loan Programs Federal Housing Administration mortgage programs including Standard FHA, Streamline, 203(k) Standard/Limited renovation loans, 203(h) disaster relief, Good Neighbor Next Door, $100 Down Payment, FHA Repair Escrow, Click 'n Close SmartBuy, HUD REO $100, Simple Refinance, and Streamline ARM options for first-time and lower-down-payment buyers.
• VA Loan Programs Department of Veterans Affairs mortgage products including Standard Agency Fixed/ARM, VA IRRRL (Interest Rate Reduction Refinance Loan), High Balance, Conforming, Alterations and Repairs, and Specialty FICO options for veterans and active-duty service members.
• USDA Loan Programs United States Department of Agriculture rural development mortgage products including Streamline, Fixed Rate Best Effort Locks, High Balance, Streamline Assist, Conforming, and Repair Escrow options for rural property buyers.
• Non-QM and Jumbo Loan Programs Non-Qualified Mortgage and Jumbo loan products including Bank Statement, DSCR Fixed, DSCR Multi-Property, Jumbo Fixed, Jumbo ARM, Jumbo Plus, Flex Advantage Fixed/ARM, and Investor Advantage programs for self-employed borrowers, real estate investors, and high-balance mortgage needs exceeding conforming loan limits.

Quantifiable outcome

• Serving 46 states with licensed loan officers across the United States

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature2 records

Partnerships

Five partnerships are on record, tiered core.

• Ellie Mae (Encompass360)coreTechnology or IntegrationCore loan origination system (LOS) partner providing the primary platform for mortgage application processing, underwriting, and loan management. Encompass360 is the foundational technology for Liberty's mortgage operations.
• nCino (formerly Simple Nexus)coreTechnology or IntegrationPoint-of-Sale (POS) platform powering Liberty's borrower portal for online mortgage applications, document uploads, and loan tracking. nCino Mortgage provides the digital frontend experience for borrowers.
• PollycoreTechnology or IntegrationPricing engine powering real-time mortgage rate pricing and lock functionality. Enables loan officers to generate accurate rate quotes and manage rate lock decisions.
• Total ExpertcoreTechnology or IntegrationEnterprise CRM platform providing customer relationship management capabilities across Liberty's loan officer network.
• AllRegscoreTechnology or IntegrationLoan intelligence and compliance platform providing underwriting guidelines, policy documentation, and regulatory compliance resources for loan officers.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• CrossCountry Mortgage: Privately held residential mortgage lender with a distributed branch model across most U.S. states. Comparable in branch-based GTM, conventional and government product mix, and privately held mid-size scale.
• Caliber Home Loans: Privately held residential mortgage lender and servicer offering Conventional, FHA, VA, USDA, and Non-QM products. Comparable in product breadth and target borrower segments, especially in specialty lending.
• Guild Mortgage: Privately held residential mortgage lender with a retail branch network spanning most U.S. states. Comparable as a multi-product, branch-based, privately held mortgage banker with similar national footprint.
• NewRez: National residential mortgage lender and servicer offering Conventional, FHA, VA, USDA, and Non-QM products through retail and wholesale channels. Comparable in product breadth and multi-channel strategy.
• Movement Mortgage: Privately held, founder-led residential mortgage banker with a distributed branch model granting loan officers significant autonomy. Closely comparable to Liberty in ownership structure, branch-based GTM, and multi-state footprint.
• PRMG (Paramount Residential Mortgage Group): Privately held mortgage banker offering Conventional, FHA, VA, USDA, and Non-QM products across most U.S. states with a branch-driven model. Highly comparable in product breadth, geographic reach, and private ownership.
• Fairway Independent Mortgage: Privately held residential mortgage lender using a branch model where loan officers own their P&L. Directly comparable in distribution strategy, product breadth, and mid-size private positioning.

Broad incumbents

• United Wholesale Mortgage (UWM): The largest wholesale mortgage lender in the U.S., serving independent mortgage brokers. Comparable in product breadth and multi-state coverage, but operates a wholesale-only model at substantially greater scale.
• Rocket Mortgage: The largest direct-to-consumer mortgage lender in the U.S. with a full product suite. Comparable in product offering and national reach, but materially larger scale and a public company with a different distribution emphasis.
• loanDepot: Direct-to-consumer and wholesale residential mortgage lender with multi-channel distribution. Comparable as a multi-product national mortgage banker, but materially larger and publicly listed.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/@khash_Saghafi
• Facebookfacebook.com/people/Liberty-Home-Mortgage-Corporation/100063818623036/?mibextid=LQQJ4d
• LinkedInlinkedin.com/company/libertyhomemortgagecorporation
• Instagraminstagram.com/liberty_home_mortgage/?igshid=YmMyMTA2M2Y%3D
• Xx.com/rehabloans1

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liberty Home Mortgage Corporation