What loan types does Liberty First Credit Union offer?

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

Where does Liberty First Credit Union offer mortgages?

Liberty First Credit Union offers mortgages in 2 states: NE, SD.

How competitive are Liberty First Credit Union's mortgage rates?

Liberty First Credit Union has an overall pricing score of 54.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Liberty First Credit Union?

Liberty First Credit Union is a Credit Union headquartered in Lincoln, NE.

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Liberty First Credit Union

Credit Union•Lincoln, NEHQ•Direct•Reviews near you on Google

Liberty First Credit Union has 223 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA

Place

Strong

4/5

Regional · 2 mkts

Awards

FHA

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in FHA and VA loans

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Report Card

Liberty First Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 2.0 bps below market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	170	76.2%	+0.005%Above	$1,921Fees
FHA Loans	Strong	Strong	Exceptional	Sound	31	13.9%	+0.160%Above	$1,508Fees
VA Loans	Strong	Strong	—	Strong	22	9.9%	-0.381%Below	$1,151Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume170

Mix76.2%

Spread

+0.005%Above

Fees

$1,921Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume31

Mix13.9%

Spread

+0.160%Above

Fees

$1,508Fees

VA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume22

Mix9.9%

Spread

-0.381%Below

Fees

$1,151Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	164	73.5%	-0.110%Below	$1,660Fees
Refinance	Sound	Strong	Mediocre	Strong	59	26.5%	+0.181%Above	$1,991Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume164

Mix73.5%

Spread

-0.110%Below

Fees

$1,660Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume59

Mix26.5%

Spread

+0.181%Above

Fees

$1,991Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

223

Applications

364

Volume

$49 million

Pricing & Closing

Avg Rate Spread

-0.020%

vs. market APOR

Avg Net Fees

$1,762

Origination − Credits

Pullthrough Rate

61.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$222,578

Avg Borrower Income

$100,700

Avg Property Value

$285,852

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

Midwest2

NESD

Top Metro Areas by Place Specialization Score

Lincoln, NEMetro

Volume 168Mix 75.34% of portfolio

85/100

Exceptional

Omaha, NE, NE-IAMetro

Volume 27Mix 12.11% of portfolio

57/100

Sound

Top States by Place Specialization Score

NebraskaState

Volume 222Mix 99.55% of portfolio

82/100

Exceptional

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.