Lender in Virginia · HMDA 2025
The Freedom Bank of Virginia mortgages in Virginia
The Freedom Bank of Virginia's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
The Freedom Bank of Virginia originated 211 owner-occupied single-family loans in Virginia from 235 completed applications.
Its median conventional purchase loan costs were $4,960 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.49% (Virginia: 6.625%).
Loans in VA
211
of 235 applications
Denial rate
9.8%
Purchase · VA 6.9%
Rate spread
−0.09 pts
Conv. · VA +0.10 pts
Loan amount
$495,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 214 | 192 | 9.8% | 6.490% | −0.09 pts | $4,960 | $495,000 |
| Refinance | 12 | 11 | — | — | — | — | — |
| Cash-out refinance | 9 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where The Freedom Bank of Virginia ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Clarke County | 21 | 2 | 1.1% |
| Fauquier County | 25 | 11 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology