# Liberty

> **Canonical URL:** https://saferate.com/lenders/liberty


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Liberty is a credit union, headquartered in Evansville, IN, serving borrowers across 33 states, with 2,851 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 38% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930072OCHTUJOZQB56
- **Headquarters:** Evansville, IN
- **Geographic Reach:** Near-National
- **States Served:** 33
- **State List:** AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, NC, NE, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV, WY
- **Markets (MSAs):** 15
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 62/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.414%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,206
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,851
- **Dollar Volume:** $806 million
- **Applications Received:** 3,778
- **Market Share:** 8.00%

## Typical Borrower Profile

- **Average Loan Amount:** $282,689
- **Average Borrower Income:** $142,276
- **Average Property Value:** $376,280

## Safe Rate Awards 🏆

- 💎 **USDA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (77%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 86/100 | 2,191 | +0.426% | $1,175 | Exceptional 🤩 |
| FHA | 82/100 | 440 | +0.433% | $1,230 | Exceptional 🤩 |
| VA | 74/100 | 73 | +0.021% | $1,740 | Strong 😀 |
| Jumbo | 78/100 | 101 | +0.536% | $1,904 | Strong 😀 |
| USDA | 80/100 | 44 | +0.088% | $923 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,849 loans, Score: 86/100 (Exceptional)
- Refinance: 342 loans, Score: 82/100 (Exceptional)

**FHA:**
- Purchase: 421 loans, Score: 82/100 (Exceptional)

**VA:**
- Purchase: 69 loans, Score: 74/100 (Strong)

**Jumbo:**
- Purchase: 96 loans, Score: 79/100 (Strong)

**USDA:**
- Purchase: 44 loans, Score: 80/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 86/100 | 2,481 | $725M | +0.388% | Exceptional 🤩 |
| Refinance | 81/100 | 370 | $81M | +0.598% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| KY | 1,083 | 2.33% | 93/100 |
| IN | 869 | 0.95% | 83/100 |
| TN | 286 | 0.31% | 73/100 |
| GA | 110 | 0.08% | 60/100 |
| PA | 84 | 0.07% | 57/100 |
| MS | 67 | 0.27% | 60/100 |
| VA | 66 | 0.06% | 56/100 |
| TX | 51 | 0.01% | 46/100 |
| IL | 50 | 0.04% | 51/100 |
| FL | 39 | 0.01% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 765 | 76/100 |
| Evansville, IN | IN | 609 | 96/100 |
| Owensboro, KY | KY | 480 | 100/100 |
| Nashville | TN | 185 | 74/100 |
| Louisville/Jefferson County, KY | KY-IN | 159 | 75/100 |
| Bowling Green, KY | KY | 120 | 87/100 |
| Pittsburgh, PA | PA | 78 | 65/100 |
| Jackson, MS | MS | 49 | 61/100 |
| Atlanta | GA | 48 | 53/100 |
| Richmond, VA | VA | 34 | 54/100 |
| Marietta, GA | GA | 23 | 49/100 |
| Cincinnati, OH |  | 18 | 45/100 |
| Greenville | SC | 18 | 47/100 |
| Knoxville, TN | TN | 15 | 43/100 |
| Indianapolis | IN | 13 | 41/100 |

## Where This Lender Ranks

Liberty appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Kentucky
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders)
- 🥇 **#1** in Kentucky Credit Unions
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Kentucky for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Kentucky for FHA Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Kentucky for USDA Loans
  - [View Full Rankings](https://saferate.com/kentucky/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Indiana Credit Unions
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Indiana for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions/fha-loans)
- 🥇 **#1** in Indiana for USDA Loans
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Evansville, IN
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders)
- 🥇 **#1** in Evansville, IN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Evansville, IN for FHA Loans
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Evansville, IN for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/evansville-in/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Owensboro, KY
  - [View Full Rankings](https://saferate.com/owensboro-ky/best-mortgage-lenders)
- 🥇 **#1** in Owensboro, KY for Conventional Loans
  - [View Full Rankings](https://saferate.com/owensboro-ky/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Owensboro, KY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/owensboro-ky/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Owensboro, KY for FHA Loans
  - [View Full Rankings](https://saferate.com/owensboro-ky/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Owensboro, KY for USDA Loans
  - [View Full Rankings](https://saferate.com/owensboro-ky/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Tennessee Credit Unions
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Tennessee for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Nashville for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/nashville/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Liberty offer?

Liberty offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Liberty offer mortgages?

Liberty offers mortgages in 33 states: AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, NC, NE, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV, WY.

### How competitive are Liberty's mortgage rates?

Liberty has a pricing score of 62/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.414% above market average.

### What type of lender is Liberty?

Liberty is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Evansville, IN.

### What is Liberty's loan approval success rate?

Liberty has a pull-through score of 82/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/liberty

### How to Cite

> "Liberty Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/liberty

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