Lender in New Jersey · HMDA 2025
Freedom Mortgage Corporation mortgages in New Jersey
Freedom Mortgage Corporation's 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Freedom Mortgage Corporation originated 1,407 owner-occupied single-family loans in New Jersey from 2,037 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $7,350 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.875% (New Jersey: 6.625%).
Loans in NJ
1,407
of 2,037 applications
Denial rate
26.8%
Purchase · NJ 8.4%
Rate spread
+0.17 pts
Conv. · NJ +0.12 pts
Loan amount
$455,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 157 | 114 | 26.8% | 6.875% | +0.17 pts | $7,350 | $455,000 |
| Refinance | 897 | 627 | 6.6% | 6.375% | +0.12 pts | $2,570 | $415,000 |
| Cash-out refinance | 983 | 666 | 28.3% | 7.125% | +0.85 pts | $9,980 | $315,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Freedom Mortgage Corporation ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cumberland County | 7 | 48 | 3.2% |
| Sussex County | 8 | 50 | 2.1% |
| Camden County | 10 | 132 | 2.1% |
| Salem County | 10 | 23 | 2.6% |
| Burlington County | 11 | 142 | 2.2% |
| Gloucester County | 11 | 111 | 2.5% |
| Warren County | 11 | 29 | 1.9% |
| Ocean County | 12 | 156 | 1.9% |
| Union County | 13 | 81 | 1.7% |
| Passaic County | 14 | 64 | 1.7% |
| Atlantic County | 14 | 47 | 1.6% |
| Middlesex County | 15 | 101 | 1.3% |
| Essex County | 19 | 84 | 1.4% |
| Cape May County | 22 | 14 | 1.5% |
| Morris County | 23 | 56 | 0.9% |
| Hunterdon County | 24 | 17 | 1.1% |
| Bergen County | 25 | 72 | 0.9% |
| Somerset County | 25 | 43 | 1.1% |
| Mercer County | 25 | 41 | 1.1% |
- Freedom Mortgage Corporation nationwide
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- Freedom Mortgage Corporation in Maryland
- Freedom Mortgage Corporation in South Carolina
- Freedom Mortgage Corporation in Arizona
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology