What loan types does Liberty offer?

Liberty offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 61.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Liberty?

Liberty is a Credit Union headquartered in Evansville, IN.

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Liberty

Credit Union•Evansville, INHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Liberty — 2.9k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Near-National · 14 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Refinance

Superstar

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

Explore another lender or local market

Report Card

Liberty performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+41.4 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 15 markets

Strong

Top 40% of lenders

Loan Product Performance

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%Above	$1,175Fees
FHA Loans	Strong	Exceptional	Strong	Strong	440	15.4%	+0.433%Above	$1,230Fees
VA Loans	Sound	Strong	Acceptable	Strong	73	2.6%	+0.021%Above	$1,740Fees
Jumbo Loans	Sound	Strong	Acceptable	Strong	101	3.5%	+0.536%Above	$1,904Fees
USDA Loans	Strong	Exceptional	Exceptional	Strong	44	1.5%	+0.088%Above	$923Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume2,191

Mix76.9%

Spread

+0.426%Above

Fees

$1,175Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume440

Mix15.4%

Spread

+0.433%Above

Fees

$1,230Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume73

Mix2.6%

Spread

+0.021%Above

Fees

$1,740Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume101

Mix3.5%

Spread

+0.536%Above

Fees

$1,904Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Exceptional

Pull Through

Strong

Volume44

Mix1.5%

Spread

+0.088%Above

Fees

$923Fees

Loan Purpose Performance

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%Above	$1,234Fees
Refinance	Strong	Exceptional	Sound	Strong	370	13.0%	+0.598%Above	$1,012Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume2,481

Mix87.0%

Spread

+0.388%Above

Fees

$1,234Fees

Refinance

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume370

Mix13.0%

Spread

+0.598%Above

Fees

$1,012Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

2,851

Applications

3,778

Volume

$805 million

Pricing & Closing

Avg Rate Spread

+0.414%

vs. market APOR

Avg Net Fees

$1,206

Origination − Credits

Pullthrough Rate

75.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$282,689

Avg Borrower Income

$142,276

Avg Property Value

$376,280

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast2

PARI

Midwest10

IAILINKSMIMNMONEOHWI

South15

ALARFLGAKYLAMDMSNCOKSCTNTXVAWV

West6

AZCACOORWAWY

Top Metro Areas by Place Specialization Score

1© Evan Nichols (Virtua… · CC BY 3.0

Owensboro, KYMetro

Volume 480Mix 16.84% of portfolio

100/100

Exceptional

2© Myotus · CC BY-SA 4.0

Evansville, INMetro

Volume 609Mix 21.36% of portfolio

96/100

Exceptional

3© Nationwide Specialty Co., Arlington, Texas · Public domain

Bowling Green, KYMetro

Volume 120Mix 4.21% of portfolio

87/100

Exceptional

Louisville/Jefferson County, KY, KY-INMetro

Volume 159Mix 5.58% of portfolio

75/100

Strong

Nashville, TNMetro

Volume 185Mix 6.49% of portfolio

74/100

Strong

Pittsburgh, PAMetro

Volume 78Mix 2.74% of portfolio

65/100

Strong

Jackson, MSMetro

Volume 49Mix 1.72% of portfolio

61/100

Strong

Richmond, VAMetro

Volume 34Mix 1.19% of portfolio

54/100

Sound

Atlanta, GAMetro

Volume 48Mix 1.68% of portfolio

53/100

Sound

Marietta, GAMetro

Volume 23Mix 0.81% of portfolio

49/100

Sound

Showing 10 of 14 metro areas

Top States by Place Specialization Score

KentuckyState

Volume 1,083Mix 37.99% of portfolio

93/100

Exceptional

IndianaState

Volume 869Mix 30.48% of portfolio

83/100

Exceptional

TennesseeState

Volume 286Mix 10.03% of portfolio

73/100

Strong

GeorgiaState

Volume 110Mix 3.86% of portfolio

60/100

Sound

MississippiState

Volume 67Mix 2.35% of portfolio

60/100

Sound

PennsylvaniaState

Volume 84Mix 2.95% of portfolio

57/100

Sound

VirginiaState

Volume 66Mix 2.31% of portfolio

56/100

Sound

IllinoisState

Volume 50Mix 1.75% of portfolio

51/100

Sound

South CarolinaState

Volume 31Mix 1.09% of portfolio

48/100

Sound

AlabamaState

Volume 26Mix 0.91% of portfolio

47/100

Sound

Showing 10 of 15 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.