Freedom of Maryland Federal Credit Union
Freedom of Maryland Federal Credit Union received 44 applications in 2025 and made 37 mortgages, in 9 counties across 2 states. The median rate its borrowers got was 6.500% on a median loan of $225,000. Of 38 decisions, 1 were denials — 2.6%.
| Legal Entity Identifier | 2549000BG2198NFS0K59 |
|---|---|
| Applications received | 44 |
| Mortgages made | 37 |
| Denied | 1 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 6 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 19 | 6.500% | $275,000 | 0.0% |
| Cash-out refinancing | 13 | 6.500% | $205,000 | 0.0% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 16.7% |
Where Freedom of Maryland Federal Credit Union lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Harford County, MD | 18 | 6.500% | 5.3% |
| Baltimore County, MD | 4 | Under 10 loans | 0.0% |
| Cecil County, MD | 4 | Under 10 loans | 0.0% |
| Baltimore city, MD | 4 | Under 10 loans | 0.0% |
| Worcester County, MD | 3 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 0.0% |
| Dorchester County, MD | 1 | Under 10 loans | 0.0% |
| Lancaster County, PA | 1 | Under 10 loans | 0.0% |
| York County, PA | 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.