FREEDOM FIRST Federal Credit Union
FREEDOM FIRST Federal Credit Union received 955 applications in 2025 and made 700 mortgages, in 67 counties across 12 states. The median rate its borrowers got was 6.750% on a median loan of $145,000. Of 871 decisions, 132 were denials — 15.2%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300KGMXCXMVC0BO47 |
|---|---|
| Applications received | 955 |
| Mortgages made | 700 |
| Denied | 132 |
| Approved, not taken up | 39 |
| Withdrawn or incomplete | 84 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.3485 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 327 | 6.625% | $245,000 | 2.6% |
| Refinancing | 14 | 6.938% | $185,000 | 0.0% |
| Cash-out refinancing | 120 | 7.188% | $105,000 | 11.4% |
| Other purposes | 239 | 7.250% | $65,000 | 29.0% |
Where FREEDOM FIRST Federal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Montgomery County, VA | 116 | 6.625% | 11.5% |
| Roanoke city, VA | 115 | 6.625% | 28.1% |
| Roanoke County, VA | 110 | 6.625% | 12.3% |
| Bedford County, VA | 56 | 6.875% | 14.3% |
| Salem city, VA | 48 | 6.438% | 7.3% |
| Botetourt County, VA | 46 | 6.688% | 14.0% |
| Lynchburg city, VA | 40 | 6.750% | 9.1% |
| Franklin County, VA | 35 | 6.750% | 11.6% |
| Campbell County, VA | 14 | 7.000% | 5.9% |
| Floyd County, VA | 14 | 6.563% | 17.7% |
| Radford city, VA | 12 | 6.250% | 7.7% |
| Giles County, VA | 11 | 6.125% | 8.3% |
| Amherst County, VA | 9 | Under 10 loans | 10.0% |
| Pulaski County, VA | 7 | Under 10 loans | 0.0% |
| Pittsylvania County, VA | 5 | Under 10 loans | 0.0% |
| Appomattox County, VA | 4 | Under 10 loans | 0.0% |
| Craig County, VA | 4 | Under 10 loans | 20.0% |
| Henry County, VA | 4 | Under 10 loans | 0.0% |
| Wythe County, VA | 4 | Under 10 loans | 0.0% |
| Alleghany County, VA | 3 | Under 10 loans | 0.0% |
| Middlesex County, VA | 3 | Under 10 loans | 25.0% |
| Chesterfield County, VA | 2 | Under 10 loans | 0.0% |
| Gloucester County, VA | 2 | Under 10 loans | 0.0% |
| Halifax County, VA | 2 | Under 10 loans | 0.0% |
| Lancaster County, VA | 2 | Under 10 loans | 0.0% |
| Danville city, VA | 2 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Camden County, NJ | 1 | Under 10 loans | 0.0% |
| Catawba County, NC | 1 | Under 10 loans | 0.0% |
| Chowan County, NC | 1 | Under 10 loans | 0.0% |
| Dare County, NC | 1 | Under 10 loans | 0.0% |
| Forsyth County, NC | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| DeKalb County, TN | 1 | Under 10 loans | 0.0% |
| Albemarle County, VA | 1 | Under 10 loans | 0.0% |
| Bath County, VA | 1 | Under 10 loans | 50.0% |
| Bland County, VA | 1 | Under 10 loans | 50.0% |
| Carroll County, VA | 1 | Under 10 loans | 0.0% |
| Essex County, VA | 1 | Under 10 loans | 0.0% |
| Fairfax County, VA | 1 | Under 10 loans | 66.7% |
| King and Queen County, VA | 1 | Under 10 loans | 0.0% |
| King William County, VA | 1 | Under 10 loans | 0.0% |
| Loudoun County, VA | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, VA | 1 | Under 10 loans | 0.0% |
| Nelson County, VA | 1 | Under 10 loans | 0.0% |
| Northumberland County, VA | 1 | Under 10 loans | 0.0% |
| Smyth County, VA | 1 | Under 10 loans | 0.0% |
| Tazewell County, VA | 1 | Under 10 loans | 0.0% |
| Warren County, VA | 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.