Applications / Mortgage Analytics / Lenders / Nebraska / Liberty First Credit Union
Lincoln, NE · Credit union · NCUA · $515 million assets · 415 loans in 2025
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415
loans originated, 2025
659
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty First Credit Union ranks 8 of 249 lenders in Lincoln, NE, its home market, and splits its 415 loans in 2025 almost evenly between home purchases and refinances.
Its loans rose 4% in 2025, against 7% at similar lenders (credit unions making between half and twice as many loans) and 10% in the whole market. The amount it lent rose to $74.1 million from $58.4 million. It made 1,612 loans in 2020, when its typical rate was 2.99%. With refinances near half its loans, the higher rates since then are one possible reason for the fall.
FHA loans (insured by the Federal Housing Administration) made up 7.0% of its lending and VA loans (guaranteed by the Department of Veterans Affairs) 3.6%. The typical similar lender made none of either. Its typical loan, $165,000, was larger than at more than four in five similar lenders.
Low- and moderate-income (LMI) borrowers took 34.5% of its loans, against 27.5% at similar lenders, more than at about three in four. Poorer neighborhoods (LMI census tracts) received 17.8%, against 15.3%. Majority-minority neighborhoods received 0.5%, against 11.2%. One possible reason is where it lends: Lincoln and 27 counties in Nebraska, which may hold few such neighborhoods.
In Lincoln, NE, where it has lent since at least 1990, its share slipped to 2.6% from 2.7%, a small change. Lincoln FSB of Nebraska leads there. Its share in Omaha was unchanged at 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 First Credit Union took 659 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.9% · Refinance 48.7% · Home improvement 1.4% · Other 1.0%
Conventional 89.4% · FHA 7.0% · VA 3.6% · of 415 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 |
|---|---|---|
| Nebraska | 415 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lincoln | 321 |
| Omaha | 40 |
| Grand Island | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IPZIRQSNKHX741 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 812294 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563757 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Liberty First Credit Union's data.
Liberty First Credit Union's data
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