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L
Liberty
Credit Union|Evansville, IN|Near-National
Loans Originated
2,851
Applications
3,778
Volume
$805 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Exceptional
Safe Rate Awards💎USDA Champion⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.414%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,206
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.5%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
- Nationwide availability with consistent service
Report Card
Liberty performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Strong | Near-National · 15 metro areas · 33 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$282,689
Average Borrower Income
$142,276
Average Property Value
$376,280
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Strong | Strong | 2,191 | 76.9% | +0.426% | $1,175 |
FHA Loans | Strong | Exceptional | Strong | Strong | 440 | 15.4% | +0.433% | $1,230 |
VA Loans | Sound | Strong | Acceptable | Strong | 73 | 2.6% | +0.021% | $1,740 |
Jumbo Loans | Sound | Strong | Acceptable | Strong | 101 | 3.5% | +0.536% | $1,904 |
USDA Loans | Exceptional | Exceptional | Exceptional | Strong | 44 | 1.5% | +0.088% | $923 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Strong | Strong | 2,481 | 87.0% | +0.388% | $1,234 |
Refinance | Strong | Exceptional | Sound | Strong | 370 | 13.0% | +0.598% | $1,012 |
Geographic Coverage
Metro Areas
14
States Served
33
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACOFLGAIAILINKSKYLAMDMIMNMOMSNCNEOHOKORPARISCTNTXVAWAWIWVWY
Top Metro Areas by Place Specialization Score
1
Owensboro, KY, KYMSA
Volume: 480Mix: 16.84%
Place Specialization
Exceptional
2
Evansville, IN, INMSA
Volume: 609Mix: 21.36%
Place Specialization
Exceptional
3
Bowling Green, KY, KYMSA
Volume: 120Mix: 4.21%
Place Specialization
Exceptional
4
Louisville/Jefferson County, KY, KY-INMSA
Volume: 159Mix: 5.58%
Place Specialization
Strong
5
Nashville, TNMSA
Volume: 185Mix: 6.49%
Place Specialization
Strong
6
Pittsburgh, PA, PAMSA
Volume: 78Mix: 2.74%
Place Specialization
Strong
7
Jackson, MS, MSMSA
Volume: 49Mix: 1.72%
Place Specialization
Strong
8
Richmond, VA, VAMSA
Volume: 34Mix: 1.19%
Place Specialization
Sound
9
Atlanta, GAMSA
Volume: 48Mix: 1.68%
Place Specialization
Sound
10
Marietta, GA, GAMSA
Volume: 23Mix: 0.81%
Place Specialization
Sound
Showing 10 of 14 metro areas
Top States by Place Specialization Score
1
KYState
Volume: 1,083Mix: 37.99%
Place Specialization
Exceptional
2
INState
Volume: 869Mix: 30.48%
Place Specialization
Exceptional
3
TNState
Volume: 286Mix: 10.03%
Place Specialization
Strong
4
GAState
Volume: 110Mix: 3.86%
Place Specialization
Sound
5
MSState
Volume: 67Mix: 2.35%
Place Specialization
Sound
6
PAState
Volume: 84Mix: 2.95%
Place Specialization
Sound
7
VAState
Volume: 66Mix: 2.31%
Place Specialization
Sound
8
ILState
Volume: 50Mix: 1.75%
Place Specialization
Sound
9
SCState
Volume: 31Mix: 1.09%
Place Specialization
Sound
10
ALState
Volume: 26Mix: 0.91%
Place Specialization
Sound
Showing 10 of 15 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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