Liberty Credit Union mortgage approval rate & lending review
Liberty Credit Union decided 9,684 mortgage applications and funded 8,794 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Liberty Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Liberty Credit Union at a glance
Approval is 13.0 points above the 78.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 4,430 / 4,659 | 99% | $215K | 4,393 |
| Home improvement loans | 89% | 692 / 779 | 99% | $45K | 683 |
| Cash-out refinance | 88% | 2,772 / 3,138 | 99% | $55K | 2,736 |
| Refinance | 85% | 209 / 245 | 99% | $245K | 207 |
| Investment property purchase | 92% | 609 / 662 | 99% | $145K | 604 |
| Investment cash-out refinance | 78% | 56 / 72 | 100% | $165K | 56 |
| Investment refinance | 92% | 100 / 109 | 100% | $405K | 100 |
Liberty Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 93% | $185K | 3,375 | 3,113 |
| Indiana | 92% | $105K | 2,754 | 2,508 |
| Tennessee | 91% | $165K | 1,367 | 1,231 |
| Florida | 88% | $465K | 338 | 297 |
| Georgia | 91% | $405K | 280 | 255 |
| Pennsylvania | 95% | $225K | 237 | 225 |
| Mississippi | 86% | $265K | 206 | 177 |
| Ohio | 88% | $255K | 151 | 131 |
| South Carolina | 96% | $315K | 137 | 132 |
| Colorado | 92% | $755K | 132 | 119 |
| Virginia | 81% | $145K | 128 | 103 |
| Texas | 88% | $725K | 113 | 100 |
| North Carolina | 88% | $535K | 106 | 90 |
| Alabama | 82% | $295K | 90 | 74 |
| California | 91% | $955K | 77 | 68 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Liberty Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Daviess County, KY | Mortgage lenders | 95% | 1,203 | 1,129 |
| Vanderburgh County, IN | Mortgage lenders | 96% | 1,050 | 994 |
| Vanderburgh County, IN | Cash-out refinance | 90% | 1,025 | 913 |
| Daviess County, KY | Cash-out refinance | 95% | 627 | 586 |
| Warren County, KY | Mortgage lenders | 97% | 296 | 284 |
| Vanderburgh County, IN | Home improvement loans | 89% | 293 | 256 |
| Williamson County, TN | Cash-out refinance | 90% | 248 | 222 |
| Jefferson County, KY | Mortgage lenders | 96% | 212 | 203 |
| Jefferson County, KY | Cash-out refinance | 82% | 211 | 170 |
| Daviess County, KY | Home improvement loans | 92% | 184 | 168 |
| Davidson County, TN | Mortgage lenders | 94% | 138 | 130 |
| Williamson County, TN | Mortgage lenders | 97% | 127 | 121 |
The county markets where Liberty Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Liberty Credit Union
What is Liberty Credit Union's mortgage approval rate?
Liberty Credit Union approved 91.7% of the 9,684 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.0 points above the 78.7% national rate for the same mix of loan types.
How often do borrowers take the loan Liberty Credit Union offers?
Borrowers accepted 99% of the loans Liberty Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Liberty Credit Union make?
The typical home purchase mortgage loan Liberty Credit Union made was $215K; across all loan types its typical loan ran from $45K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Liberty Credit Union lend?
Liberty Credit Union decided applications in 37 of the states Fat Boy Data covers, most of them in Kentucky, Indiana and Tennessee.
Can I apply to Liberty Credit Union directly?
Yes. Liberty Credit Union is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Liberty Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Liberty Credit Union treats applications, then get a rate quote from the lender.