The Freedom Bank of Virginia
The Freedom Bank of Virginia received 318 applications in 2025 and made 279 mortgages, in 71 counties across 17 states. The median rate its borrowers got was 6.250% on a median loan of $475,000. Of 309 decisions, 28 were denials — 9.1%, most often for credit application incomplete.
| Legal Entity Identifier | 5493005H0NK3SWWY4384 |
|---|---|
| Applications received | 318 |
| Mortgages made | 279 |
| Denied | 28 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.0695 points |
| FDIC-insured bank | Yes: The Freedom Bank of Virginia, 6 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 251 | 6.375% | $495,000 | 9.7% |
| Refinancing | 16 | 5.995% | $475,000 | 0.0% |
| Cash-out refinancing | 12 | 6.495% | $415,000 | 7.7% |
Where The Freedom Bank of Virginia 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 |
|---|---|---|---|
| Fairfax County, VA | 67 | 6.250% | 4.3% |
| Loudoun County, VA | 31 | 6.375% | 6.1% |
| Prince William County, VA | 22 | 6.250% | 21.4% |
| Montgomery County, MD | 15 | 6.375% | 0.0% |
| Spotsylvania County, VA | 14 | 6.313% | 12.5% |
| Stafford County, VA | 12 | 6.188% | 7.1% |
| Fauquier County, VA | 11 | 6.490% | 8.3% |
| Alexandria city, VA | 8 | Under 10 loans | 0.0% |
| District of Columbia, DC | 7 | Under 10 loans | 0.0% |
| Arlington County, VA | 5 | Under 10 loans | 37.5% |
| Orange County, VA | 5 | Under 10 loans | 0.0% |
| Prince George's County, MD | 4 | Under 10 loans | 0.0% |
| Culpeper County, VA | 4 | Under 10 loans | 0.0% |
| Westmoreland County, VA | 4 | Under 10 loans | 0.0% |
| Chesterfield County, VA | 3 | Under 10 loans | 25.0% |
| Frederick County, VA | 3 | Under 10 loans | 0.0% |
| King George County, VA | 3 | Under 10 loans | 0.0% |
| Louisa County, VA | 3 | Under 10 loans | 0.0% |
| Warren County, VA | 3 | Under 10 loans | 40.0% |
| Manassas city, VA | 3 | Under 10 loans | 25.0% |
| Mecklenburg County, NC | 2 | Under 10 loans | 0.0% |
| Caroline County, VA | 2 | Under 10 loans | 0.0% |
| Clarke County, VA | 2 | Under 10 loans | 0.0% |
| Fluvanna County, VA | 2 | Under 10 loans | 0.0% |
| Hanover County, VA | 2 | Under 10 loans | 0.0% |
| Madison County, VA | 2 | Under 10 loans | 0.0% |
| Manassas Park city, VA | 2 | Under 10 loans | 0.0% |
| Richmond city, VA | 2 | Under 10 loans | 0.0% |
| Shelby County, AL | 1 | Under 10 loans | 50.0% |
| Placer County, CA | 1 | Under 10 loans | 0.0% |
| Denver County, CO | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Columbia County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| Henry County, GA | 1 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 0.0% |
| Carroll County, MD | 1 | Under 10 loans | 0.0% |
| Charles County, MD | 1 | Under 10 loans | 0.0% |
| Howard County, MD | 1 | Under 10 loans | 0.0% |
| Baltimore city, MD | 1 | Under 10 loans | 0.0% |
| Rockingham County, NH | 1 | Under 10 loans | 0.0% |
| Broome County, NY | 1 | Under 10 loans | 0.0% |
| Brunswick 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% |
| Harnett County, NC | 1 | Under 10 loans | 0.0% |
| Johnston County, NC | 1 | Under 10 loans | 0.0% |
| Nash County, NC | 1 | Under 10 loans | 0.0% |
| New Hanover County, NC | 1 | Under 10 loans | 50.0% |
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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.