Purchase Originations
145
Median Total Costs
$3,309
−50.5% vs national ($6,680)
↓ $70 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,145
Median Lender Credits
$310
Denial Rate
8.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 110 | 6.312% | $3,059 | $1,145 |
| fha | 25 | 6.125% | $7,130 | $1,145 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Nebraska | 145 | 6.250% | $3,309 | #33 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,760 | 6.188% | — | 2 | −$549 | |
| 2 | $2,762 | 5.750% | — | 1 | −$547 | |
| 3 | $2,916 | 6.250% | — | 5 | −$393 | |
| 4 | $3,071 | 6.000% | — | 5 | −$238 | |
| 5 | $3,099 | 5.875% | — | 7 | −$210 | |
| 6 | $3,115 | 6.500% | — | 1 | −$194 | |
| 7 | $3,265 | 6.562% | — | 2 | −$44 | |
| 8 | $3,399 | 6.562% | — | 6 | +$90 | |
| 9 | $3,423 | 6.625% | — | 3 | +$114 | |
| 10 | $3,465 | 5.875% | — | 1 | +$156 | |
| 11 | $3,480 | 6.250% | — | 98 | +$171 | |
| 12 | $3,743 | 5.875% | — | 1 | +$434 | |
| 13 | $4,418 | 7.125% | — | 1 | +$1,109 | |
| 14 | $5,117 | 5.745% | — | 2 | +$1,808 | |
| 15 | $5,240 | 6.490% | — | 1 | +$1,931 | |
| 16 | $5,993 | 6.000% | — | 7 | +$2,684 | |
| 17 | $6,825 | 6.375% | — | 1 | +$3,516 | |
| 18 | $7,901 | 6.500% | — | 1 | +$4,592 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Liberty First Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $3,309 | $7,127 | −$3,818 (−53.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, 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.