# LIBERTY FIRST CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/liberty-first-credit-union

> **📋 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 FIRST CREDIT UNION is a credit union, headquartered in Lincoln, NE, serving borrowers across 2 states, with 223 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 45% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300IPZIRQSNKHX741
- **Headquarters:** Lincoln, NE
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** NE, SD
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.020%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,762
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 223
- **Dollar Volume:** $50 million
- **Applications Received:** 364
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $222,578
- **Average Borrower Income:** $100,700

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 170 | +0.005% | $1,921 | Sound ☺️ |
| FHA | 62/100 | 31 | +0.160% | $1,508 | Strong 😀 |
| VA | 66/100 | 22 | -0.381% | $1,151 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 117 loans, Score: 53/100 (Sound)
- Refinance: 53 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 29 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 164 | $39M | -0.110% | Sound ☺️ |
| Refinance | 64/100 | 59 | $10M | +0.181% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NE | 222 | 1.04% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lincoln, NE | NE | 168 | 85/100 |
| Non |  | 28 | 37/100 |
| Omaha, NE | NE-IA | 27 | 57/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 55/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.020% below market average.

### What type of lender is LIBERTY FIRST CREDIT UNION?

LIBERTY FIRST CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Lincoln, NE.

### What is LIBERTY FIRST CREDIT UNION's loan approval success rate?

LIBERTY FIRST CREDIT UNION has a pull-through score of 63/100 (Strong). 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:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/liberty-first-credit-union

### How to Cite

> "LIBERTY FIRST CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/liberty-first-credit-union

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