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

The Freedom Bank of Virginia: 2025 mortgage rates, costs & approvals

How The Freedom Bank of Virginia priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: The Freedom Bank of Virginia · LEI 5493005H0NK3SWWY4384

In 2025, The Freedom Bank of Virginia originated 260 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 14 states — 1074th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.49% (all lenders: 6.625%); its median rate spread was 20 basis points below the national median. Median conventional loan costs were $5,010, 10% lower than the national median ($5,570).

It denied 9.7% of completed home-purchase applications (all lenders: 8.5%).

Loans
260
of 288 applications
Denial rate
9.7%
Purchase · all 8.5%
30-yr fixed rate
6.49%
Conv. · all 6.625%
Loan costs
$5,010
Conv. · all $5,570
Loan amount
$495,000
Purchase · all $335,000
Borrower income
$152,000
Purchase · all $116,000

How The Freedom Bank of Virginia priced home-purchase loans

Purchase loans, 2025The Freedom Bank of VirginiaAll lenders
30-year fixed rate · conventional6.490%6.625%
30-year fixed rate · FHA6.000%6.250%
30-year fixed rate · VA5.990%6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional−0.07 pts+0.13 pts
Total loan costs · conventional$5,010$5,570
Total loan costs · FHA$12,730$11,310
Total loan costs · VA$6,300$6,490
Origination charges (all types)$1,200$1,860
Borrowers paying discount points12.5%51.3%
Points paid, when paid (% of loan)0.50%0.87%
Borrowers receiving lender credits22.0%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 73.5% 191
FHA 13.5% 35
VA 13.1% 34

By purpose

Home purchase 89.6% 233
Refinance 6.2% 16
Cash-out refinance 4.2% 11
Home value
$595,000
Median, purchase loans
Down payment
10.1%
All lenders 10%
Refi rate
—
30-yr fixed, conventional
Refi denial rate
—
Cash-out —

Why The Freedom Bank of Virginia denied purchase applications

Credit application incomplete 84.0% 21
Debt-to-income ratio 8.0% 2
Credit history 4.0% 1
Other 4.0% 1

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

Where The Freedom Bank of Virginia lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Virginia2112359.8%6.490%$4,960
Maryland23230.0%——
North Carolina78———
District of Columbia66———
Florida23———
Colorado22———
West Virginia22———
New York12———
Pennsylvania12———
California11———
Georgia11———
New Hampshire11———
Ohio11———
Tennessee11———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open The Freedom Bank of Virginia's page for that state.

Counties where The Freedom Bank of Virginia is a top lender

CountyRankLoansMarket share
Clarke County, VA2121.1%
Fauquier County, VA25110.9%
Hardy County, WV2310.8%

Check The Freedom Bank of Virginia 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