Lender in Virginia · HMDA 2025
Freedom Mortgage Corporation mortgages in Virginia
Freedom Mortgage Corporation's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Freedom Mortgage Corporation originated 3,569 owner-occupied single-family loans in Virginia from 4,759 completed applications, making it the state's #5 lender by volume.
Its median conventional purchase loan costs were $8,000 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.75% (Virginia: 6.625%).
Loans in VA
3,569
of 4,759 applications
Denial rate
9.4%
Purchase · VA 6.9%
Rate spread
+0.21 pts
Conv. · VA +0.10 pts
Loan amount
$385,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 795 | 713 | 9.4% | 6.750% | +0.21 pts | $8,000 | $385,000 |
| Refinance | 2,780 | 2,021 | 3.8% | 6.250% | +0.15 pts | $1,590 | $395,000 |
| Cash-out refinance | 1,184 | 835 | 25.5% | 7.125% | +0.97 pts | $8,640 | $315,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Freedom Mortgage Corporation ranks in the top 25
Showing the 30 counties where it ranks highest, of 107.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Suffolk city | 3 | 162 | 6.5% |
| King George County | 3 | 37 | 6.9% |
| Prince George County | 3 | 37 | 7.3% |
| Norfolk city | 4 | 178 | 4.9% |
| Stafford County | 4 | 149 | 4.9% |
| Warren County | 4 | 32 | 4.3% |
| Louisa County | 4 | 29 | 3.2% |
| Dinwiddie County | 4 | 21 | 4.5% |
| Petersburg city | 4 | 21 | 4.3% |
| Nottoway County | 4 | 9 | 5.2% |
| Lunenburg County | 4 | 7 | 6.5% |
| Galax city | 4 | 4 | 6.3% |
| Chesapeake city | 5 | 279 | 5.6% |
| Spotsylvania County | 5 | 121 | 4.0% |
| Gloucester County | 5 | 32 | 4.9% |
| Westmoreland County | 5 | 19 | 4.2% |
| Mecklenburg County | 5 | 11 | 3.6% |
| Northumberland County | 5 | 9 | 4.4% |
| Manassas Park city | 5 | 7 | 2.9% |
| Williamsburg city | 5 | 7 | 6.3% |
| Prince William County | 6 | 206 | 3.0% |
| Hampton city | 6 | 110 | 4.4% |
| Portsmouth city | 6 | 93 | 4.5% |
| Fluvanna County | 6 | 20 | 3.8% |
| Hopewell city | 6 | 15 | 3.7% |
| Henry County | 6 | 12 | 2.9% |
| Amherst County | 6 | 11 | 2.7% |
| Colonial Heights city | 6 | 9 | 3.2% |
| Clarke County | 6 | 6 | 3.2% |
| Alleghany County | 6 | 4 | 2.6% |
- Freedom Mortgage Corporation nationwide
- Virginia mortgage market
- Freedom Mortgage Corporation in Texas
- Freedom Mortgage Corporation in Florida
- Freedom Mortgage Corporation in North Carolina
- Freedom Mortgage Corporation in Georgia
- Freedom Mortgage Corporation in California
- Freedom Mortgage Corporation in Indiana
- Freedom Mortgage Corporation in Ohio
- Freedom Mortgage Corporation in Tennessee
- Freedom Mortgage Corporation in Maryland
- Freedom Mortgage Corporation in South Carolina
- Freedom Mortgage Corporation in Arizona
- Freedom Mortgage Corporation in Missouri
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology