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
Promptness
Not enough data
—/5
No quote responses measured yet
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
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
170 loans · 0.01% above market
Sound
Top 60% of lenders
3/5
FHA
31 loans · 0.16% above market
Strong
Top 40% of lenders
4/5
VA
22 loans · 0.38% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
164 loans · 0.11% below market
Sound
Top 60% of lenders
3/5
Refinance
59 loans · 0.18% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 170 | 76.2% | +0.005%Above | $1,921Fees | ||||
FHA Loans | 31 | 13.9% | +0.160%Above | $1,508Fees | ||||
VA Loans | — | 22 | 9.9% | -0.381%Below | $1,151Fees |
Conventional
OverallSound
ProductSound
PricingSound
Pull ThroughSound
Volume170
Mix76.2%
Spread
+0.005%Above
Fees
$1,921Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume31
Mix13.9%
Spread
+0.160%Above
Fees
$1,508Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
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 | 164 | 73.5% | -0.110%Below | $1,660Fees | ||||
Refinance | 59 | 26.5% | +0.181%Above | $1,991Fees |
Purchase
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume164
Mix73.5%
Spread
-0.110%Below
Fees
$1,660Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
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
2
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
2Full-year 2024 · HMDALoans originated
< 200200+None
Midwest2
NESD
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.