Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Freedom Mortgage Corporation: 2025 mortgage rates, costs & approvals

How Freedom Mortgage Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: FREEDOM MORTGAGE CORPORATION · LEI 549300LYRWPSYPK6S325

In 2025, Freedom Mortgage Corporation originated 67,844 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 51 states — 7th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 10 basis points above the national median. Median conventional loan costs were $7,830, 41% higher than the national median ($5,570).

It denied 14.3% of completed home-purchase applications (all lenders: 8.5%).

Loans
67,844
of 93,992 applications
Denial rate
14.3%
Purchase · all 8.5%
30-yr fixed rate
6.75%
Conv. · all 6.625%
Loan costs
$7,830
Conv. · all $5,570
Loan amount
$355,000
Purchase · all $335,000
Borrower income
$119,000
Purchase · all $116,000

How Freedom Mortgage Corporation priced home-purchase loans

Purchase loans, 2025Freedom Mortgage CorporationAll lenders
30-year fixed rate · conventional6.750%6.625%
30-year fixed rate · FHA6.250%6.250%
30-year fixed rate · VA6.250%6.125%
15-year fixed rate · conventional5.750%5.875%
Rate spread vs. APOR · conventional+0.23 pts+0.13 pts
Total loan costs · conventional$7,830$5,570
Total loan costs · FHA$12,920$11,310
Total loan costs · VA$8,110$6,490
Origination charges (all types)$2,390$1,860
Borrowers paying discount points53.9%51.3%
Points paid, when paid (% of loan)0.83%0.87%
Borrowers receiving lender credits43.2%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 10.6% 7,182
FHA 39.5% 26,783
VA 49.9% 33,865
USDA 0.0% 14

By purpose

Home purchase 15.6% 10,569
Refinance 56.0% 37,994
Cash-out refinance 28.4% 19,281
Home value
$375,000
Median, purchase loans
Down payment
3.5%
All lenders 10%
Refi rate
6.375%
30-yr fixed, conventional
Refi denial rate
5.3%
Cash-out 30.3%

Why Freedom Mortgage Corporation denied purchase applications

Debt-to-income ratio 37.4% 664
Collateral (appraisal/property) 15.8% 281
Credit history 14.3% 254
Insufficient cash (down payment/closing costs) 14.2% 253
Unverifiable information 6.8% 121
Employment history 5.9% 105
Other 4.8% 85
Credit application incomplete 0.7% 13
Mortgage insurance denied 0.1% 1

First reason the lender reported for each denied home-purchase application.

Where Freedom Mortgage Corporation lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Texas5,6157,68912.8%6.625%$9,290
Florida5,1767,27818.0%6.750%$10,060
North Carolina4,2805,7388.8%6.875%$6,560
Georgia3,8415,46222.5%6.625%$8,870
California3,8095,33315.7%6.625%$8,510
Virginia3,5694,7599.4%6.750%$8,000
Indiana2,5213,39914.2%6.750%$7,400
Ohio2,4283,37311.7%6.990%$6,710
Tennessee2,3343,19016.1%6.750%$8,100
Maryland2,1012,85215.1%6.750%$7,320
South Carolina2,0882,94110.5%6.750%$7,470
Arizona1,9962,73114.3%—$7,330
Missouri1,7792,37714.8%—$6,210
Pennsylvania1,6382,40716.2%6.625%$8,280
Alabama1,6342,26815.8%——
Illinois1,5542,27622.1%7.000%$5,760
Colorado1,5181,9947.7%6.750%$6,980
Washington1,4291,95212.3%——
Michigan1,4182,01612.5%——
New Jersey1,4072,03726.8%6.875%$7,350
Kentucky1,2281,66215.9%——
Nevada1,0611,41614.2%——
Louisiana1,0071,44511.8%—$5,410
Wisconsin8961,22217.4%——
Oklahoma8231,20810.3%——
Massachusetts7831,16514.0%6.625%$7,510
Minnesota7481,04916.5%——
Utah69694816.5%—$3,990
Kansas6869338.7%——
Mississippi67792013.0%——
Arkansas65591614.3%——
Oregon64993114.3%——
Connecticut57684332.4%——
New York51074913.3%——
Hawaii50863812.8%6.625%$9,080
New Mexico46965913.0%——
Nebraska4105563.9%——
Idaho40956017.2%——
Iowa33253115.0%——
Maine326429———
Montana32544313.6%——
Delaware32444225.6%——
New Hampshire31142815.0%——
West Virginia28441627.6%——
Wyoming231314———
Rhode Island208293———
Alaska1632242.6%——
South Dakota158215———
Vermont94128———
North Dakota8413429.6%——
District of Columbia781034.3%——

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Freedom Mortgage Corporation's page for that state.

Counties where Freedom Mortgage Corporation is a top lender

CountyRankLoansMarket share
Cheyenne County, CO2215.4%
Prairie County, MT6114.3%
Briscoe County, TX6112.5%
Lander County, NV3412.1%
Echols County, GA4111.1%
Mitchell County, GA21010.2%
Kiowa County, CO4110.0%
Treutlen County, GA429.5%
Pleasants County, WV359.4%
Logan County, KS528.7%
Mercer County, MO428.7%
Day County, SD338.6%
St. Helena Parish, LA348.3%
Sierra County, CA328.3%
Burke County, ND718.3%

Check Freedom Mortgage Corporation yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology