American Bank of Freedom
American Bank of Freedom received 155 applications in 2025 and made 145 mortgages, in 16 counties across 4 states. The median rate its borrowers got was 8.000% on a median loan of $230,000. Of 150 decisions, 3 were denials — 2.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300YMEOE50UQ6NM87 |
|---|---|
| Applications received | 155 |
| Mortgages made | 145 |
| Denied | 3 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 5 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 2.6905 points |
| FDIC-insured bank | Yes: American Bank of Freedom, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 117 | 8.000% | $235,000 | 0.8% |
| Refinancing | 27 | 7.500% | $155,000 | 6.9% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where American Bank of Freedom lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Louis County, MO | 81 | 8.000% | 2.4% |
| St. Louis city, MO | 18 | 8.000% | 0.0% |
| St. Charles County, MO | 17 | 7.500% | 0.0% |
| Jefferson County, MO | 6 | Under 10 loans | 0.0% |
| Camden County, MO | 5 | Under 10 loans | 0.0% |
| Arapahoe County, CO | 3 | Under 10 loans | 0.0% |
| Denver County, CO | 3 | Under 10 loans | 0.0% |
| Allen County, IN | 3 | Under 10 loans | 0.0% |
| Franklin County, MO | 2 | Under 10 loans | 0.0% |
| Champaign County, IL | 1 | Under 10 loans | 0.0% |
| St. Clair County, IL | 1 | Under 10 loans | 0.0% |
| Sangamon County, IL | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 1 | Under 10 loans | 50.0% |
| Lincoln County, MO | 1 | Under 10 loans | 0.0% |
| Montgomery County, MO | 1 | Under 10 loans | 0.0% |
| Warren County, MO | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.