Liberty First Credit Union in Nebraska vs the state
9.6%Denial rate-2.97 pts vs state
13.0%Decision denial rate-2.15 pts vs state
63.0%Origination rate-4.31 pts vs state
6.63%Median rate0.00 pts vs state
0.29Rate spread (pts)+0.06 pts vs state
$98kMedian applicant income
415Loans originated
63Denied
Trend in Nebraska
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 475 | 475 | 0.0% | 6.99% | #28 |
| 2024 | 605 | 397 | 5.3% | 6.88% | #23 |
| 2025 | 659 | 415 | 9.6% | 6.63% | #19 |
What Liberty First Credit Union lends in Nebraska
By loan purpose
By loan type
Why it denied Nebraska applicants
Where in Nebraska
Counties with the most Liberty First Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lancaster County | 465 | 300 | 39 | 8.4% |
| Seward County | 33 | 21 | 3 | 9.1% |
| Cass County | 25 | 17 | 4 | 16.0% |
| Gage County | 18 | 12 | 1 | 5.6% |
| Saunders County | 18 | 11 | 2 | 11.1% |
| Saline County | 17 | 9 | 2 | 11.8% |
| Douglas County | 15 | 8 | 3 | 20.0% |
| Otoe County | 12 | 7 | 0 | 0.0% |
| Sarpy County | 8 | 4 | 1 | 12.5% |
| Jefferson County | 6 | 4 | 1 | 16.7% |
Other large lenders in Nebraska
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,384 | 17.6% | 6.75% |
| Pinnacle Bank | B | 3,371 | 4.3% | 6.95% |
| First National Bank of Omaha | C | 2,902 | 19.6% | 7.00% |
| Charter West Bank | C | 2,258 | 6.6% | 6.50% |
| U.S. Bank | D | 2,163 | 32.9% | 6.99% |
| Veridian Credit Union | B | 2,051 | 9.8% | 6.49% |
| West Gate Bank | A | 2,040 | 5.0% | 6.50% |
| Centris | B | 2,002 | 16.3% | 6.25% |
| Union Bank and Trust | B | 1,835 | 10.0% | 6.50% |
| Mortgage Research Center | C | 1,651 | 12.5% | 6.25% |
Frequently asked questions
Nebraska: 659 applications in 2025, of which 415 were originated and 63 denied.
9.6% of all applications, or 13.0% of the applications it actually decided on. The Nebraska statewide average across all lenders was 12.5%.
The median rate on loans Liberty First Credit Union originated in Nebraska in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Liberty First Credit Union's own HMDA filing for properties located in Nebraska, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology