Liberty Credit Union closing costs and rates (2024)
In 2024, Liberty Credit Union originated 2,221 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $3,811. That ranks #204 nationally by origination volume. For total closing costs among lenders with 500+ originations, Liberty Credit Union ranks #102. That is $2,930 below the national median of $6,741. Liberty Credit Union is most active in Kentucky with 904 originations there.
Purchase Originations
2,221
Ranked #204 nationally
Median Total Costs
$3,811
−43.5% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$926
Median Lender Credits
$86
Cost Rank (500+ vol.)
#102
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,633 | 6.750% | $3,155 | $879 |
| fha | 469 | 6.500% | $6,850 | $1,085 |
| va | 74 | 6.625% | $6,571 | $1,227 |
| usda | 45 | 6.250% | $4,798 | $886 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Kentucky | 904 | 6.625% | $3,973 | #6 |
| Indiana | 694 | 6.625% | $2,723 | #23 |
| Tennessee | 197 | 6.875% | $5,389 | #77 |
| Georgia | 78 | 6.875% | $5,423 | #158 |
| Pennsylvania | 71 | 6.750% | $4,931 | #181 |
| Mississippi | 50 | 6.812% | $4,218 | #64 |
| Virginia | 43 | 6.875% | $5,508 | — |
| Illinois | 40 | 6.500% | $2,830 | — |
| South Carolina | 23 | 6.875% | $4,107 | — |
| Florida | 19 | 6.875% | $5,927 | — |
| Ohio | 18 | 6.875% | $4,236 | — |
| Alabama | 16 | 6.625% | $4,960 | — |
| Texas | 16 | 6.875% | $6,293 | — |
| California | 14 | 7.438% | $7,329 | — |
| North Carolina | 8 | 6.500% | $5,929 | — |
| Arizona | 6 | 6.750% | $7,772 | — |
| Kansas | 3 | 6.875% | $2,873 | — |
| Maryland | 3 | 5.875% | $5,219 | — |
| Missouri | 3 | 6.875% | $4,159 | — |
| Minnesota | 2 | 7.062% | $3,937 | — |
| Oregon | 2 | 7.625% | $7,805 | — |
| Arkansas | 1 | 6.625% | $8,313 | — |
| Colorado | 1 | 6.500% | $2,796 | — |
| Iowa | 1 | 6.500% | $3,006 | — |
| Louisiana | 1 | 6.250% | $6,781 | — |
| Michigan | 1 | 7.250% | $3,817 | — |
| Nebraska | 1 | 7.500% | $2,825 | — |
| Oklahoma | 1 | 7.000% | $3,094 | — |
| Rhode Island | 1 | 6.500% | $2,849 | — |
| Washington | 1 | 6.125% | $10,089 | — |
| West Virginia | 1 | 6.500% | $2,838 | — |
| Wyoming | 1 | 7.375% | $3,016 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,655 | 6.625% | — | 21 | −$1,156 | |
| 2 | $2,676 | 6.625% | — | 65 | −$1,135 | |
| 3 | $2,693 | 6.625% | — | 49 | −$1,118 | |
| 4 | $2,723 | 6.625% | — | 331 | −$1,088 | |
| 5 | $2,738 | 6.625% | — | 49 | −$1,073 | |
| 6 | $2,820 | 6.625% | — | 105 | −$991 | |
| 7 | $3,438 | 6.500% | — | 398 | −$373 | |
| 8 | $3,759 | 6.625% | — | 83 | −$52 | |
| 9 | $4,022 | 6.875% | — | 62 | +$211 | |
| 10 | $4,272 | 6.625% | — | 33 | +$461 | |
| 11 | $4,399 | 6.625% | — | 19 | +$588 | |
| 12 | $4,406 | 6.562% | — | 30 | +$595 | |
| 13 | $4,498 | 6.625% | — | 30 | +$687 | |
| 14 | $4,559 | 6.562% | — | 86 | +$748 | |
| 15 | $4,707 | 6.750% | — | 21 | +$896 | |
| 16 | $5,050 | 6.750% | — | 46 | +$1,239 | |
| 17 | $5,361 | 6.875% | — | 23 | +$1,550 | |
| 18 | $5,384 | 6.625% | — | 23 | +$1,573 | |
| 19 | $5,541 | 6.875% | — | 39 | +$1,730 | |
| 20 | $6,071 | 6.875% | — | 39 | +$2,260 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.