FREEDOM
FREEDOM received 556 applications in 2025 and made 382 mortgages, in 38 counties across 10 states. The median rate its borrowers got was 6.250% on a median loan of $85,000. Of 554 decisions, 172 were denials — 31.1%, most often for other.
| Legal Entity Identifier | 549300JNYMHRVCGKK706 |
|---|---|
| Applications received | 556 |
| Mortgages made | 382 |
| Denied | 172 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 66 |
| Median rate spread over the prime offer rate | 0.15 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 | 30 | 6.250% | $275,000 | 25.0% |
| Refinancing | 47 | 6.990% | $105,000 | 30.9% |
| Cash-out refinancing | 29 | 6.250% | $195,000 | 23.7% |
| Other purposes | 276 | 6.250% | $65,000 | 32.4% |
Where FREEDOM lends most
The 38 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Philadelphia County, PA | 112 | 6.500% | 41.1% |
| Montgomery County, PA | 91 | 6.250% | 21.6% |
| Bucks County, PA | 85 | 6.250% | 16.7% |
| Delaware County, PA | 22 | 6.250% | 43.6% |
| Burlington County, NJ | 13 | 6.125% | 13.3% |
| Camden County, NJ | 11 | 6.750% | 8.3% |
| Chester County, PA | 10 | 6.250% | 28.6% |
| Atlantic County, NJ | 6 | Under 10 loans | 25.0% |
| Gloucester County, NJ | 5 | Under 10 loans | 28.6% |
| New Castle County, DE | 3 | Under 10 loans | 25.0% |
| Cape May County, NJ | 3 | Under 10 loans | 25.0% |
| Allegheny County, PA | 3 | Under 10 loans | 40.0% |
| Middlesex County, NJ | 2 | Under 10 loans | 0.0% |
| Lehigh County, PA | 2 | Under 10 loans | 33.3% |
| Northampton County, PA | 2 | Under 10 loans | 0.0% |
| Wayne County, PA | 2 | Under 10 loans | 0.0% |
| York County, PA | 2 | Under 10 loans | 0.0% |
| Mercer County, NJ | 1 | Under 10 loans | 50.0% |
| Monmouth County, NJ | 1 | Under 10 loans | 66.7% |
| Bedford County, PA | 1 | Under 10 loans | 0.0% |
| Berks County, PA | 1 | Under 10 loans | 66.7% |
| Columbia County, PA | 1 | Under 10 loans | 0.0% |
| Erie County, PA | 1 | Under 10 loans | 0.0% |
| Monroe County, PA | 1 | Under 10 loans | 0.0% |
| Perry County, PA | 1 | Under 10 loans | 0.0% |
| Sacramento County, CA | 0 | Under 10 loans | 100.0% |
| Kent County, DE | 0 | Under 10 loans | 100.0% |
| Martin County, FL | 0 | Under 10 loans | 100.0% |
| Gwinnett County, GA | 0 | Under 10 loans | 100.0% |
| Hawaii County, HI | 0 | Under 10 loans | 100.0% |
| Porter County, IN | 0 | Under 10 loans | 100.0% |
| Hampden County, MA | 0 | Under 10 loans | 100.0% |
| Cumberland County, NJ | 0 | Under 10 loans | Not published |
| Union County, NC | 0 | Under 10 loans | 100.0% |
| Carbon County, PA | 0 | Under 10 loans | 100.0% |
| Centre County, PA | 0 | Under 10 loans | 100.0% |
| Luzerne County, PA | 0 | Under 10 loans | 100.0% |
| Schuylkill County, PA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When FREEDOM’s figures are published for the next year, or restated.
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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.