Applications / Mortgage Analytics / Lenders / Indiana / Liberty Federal Credit Union
Evansville, IN · Credit union · NCUA · $4.6 billion assets · 5,975 loans in 2025
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5,975
loans originated, 2025
7,695
applications, 2025
35
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty Federal Credit Union is the leading lender in Evansville, IN and Owensboro, KY, and grew originations 28% in 2025, faster than more than nine in ten similar credit unions.
Originations rose 28% to 5,975, against 9% for similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. Its Evansville share rose 3.3 points to 16.4%, first of 248, and it stayed first of 163 in Owensboro at 25.5%, down from 26.1%. Its Nashville share rose to 0.9%.
FHA loans (insured by the Federal Housing Administration) made up 9.3% of its lending, against 0.0% at similar credit unions, the highest among them. It also made VA loans (guaranteed by the Department of Veterans Affairs), 1.5%, and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service), 1.1%.
Its typical loan was $195,000, against $110,000 at peers, larger than about nine in ten of them, and 6.9% of loans were jumbo (larger than the conforming limit), against 1.6%. Purchase loans made up 59.4% of its lending.
Higher-priced loans (a rate well above the average for similar loans) were 2.9% of its lending, against 0.7%, higher than about four in five peers. Its FHA lending and manufactured homes, 2.2% of loans against 0.3%, could account for most of this.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Liberty Federal Credit Union took 7,695 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.4% · Refinance 32.6% · Home improvement 7.9% · Not applicable 0.0%
Conventional 88.1% · FHA 9.3% · VA 1.5% · USDA (RHS or FSA) 1.1% · of 5,975 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Indiana | 1,919 | 32.1% |
| Kentucky | 1,771 | 29.6% |
| Tennessee | 641 | 10.7% |
| Georgia | 214 | 3.6% |
| Florida | 211 | 3.5% |
| Colorado | 151 | 2.5% |
| North Carolina | 94 | 1.6% |
| South Carolina | 94 | 1.6% |
| Mississippi | 90 | 1.5% |
| Illinois | 86 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Evansville | 1,324 |
| Owensboro | 693 |
| Nashville-Davidson--Murfreesboro--Franklin | 468 |
| Louisville/Jefferson County | 376 |
| Bowling Green | 195 |
| Atlanta-Sandy Springs-Roswell | 103 |
| Cincinnati | 84 |
| Denver-Aurora-Centennial | 76 |
| Jackson | 73 |
| Pittsburgh | 72 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930072OCHTUJOZQB56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 428079 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51682 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Liberty Federal Credit Union's data.
Liberty Federal Credit Union's data
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Liberty Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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