Freedom Credit Union mortgage approval rate & lending review
Freedom Credit Union decided 717 mortgage applications and funded 520 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Freedom Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Freedom Credit Union at a glance
Approval is 2.3 points above the 72.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 85% | 182 / 213 | 98% | $265K | 178 |
| Home improvement loans | 66% | 174 / 264 | 95% | $55K | 165 |
| Cash-out refinance | 72% | 146 / 203 | 98% | $95K | 143 |
Freedom Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 75% | $95K | 697 | 507 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Freedom Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Hampden County, MA | Mortgage lenders | 86% | 169 | 142 |
| Hampden County, MA | Home improvement loans | 66% | 193 | 122 |
| Hampden County, MA | Cash-out refinance | 73% | 152 | 108 |
| Hampshire County, MA | Home improvement loans | 73% | 51 | 36 |
| Hampshire County, MA | Cash-out refinance | 80% | 41 | 33 |
| Hampshire County, MA | Mortgage lenders | 83% | 24 | 20 |
The county markets where Freedom Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Freedom Credit Union
What is Freedom Credit Union's mortgage approval rate?
Freedom Credit Union approved 74.8% of the 717 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.3 points above the 72.5% national rate for the same mix of loan types.
How often do borrowers take the loan Freedom Credit Union offers?
Borrowers accepted 97% of the loans Freedom Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Freedom Credit Union make?
The typical home improvement loan loan Freedom Credit Union made was $55K; across all loan types its typical loan ran from $55K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Freedom Credit Union lend?
Freedom Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Massachusetts, Connecticut and Maine.
Can I apply to Freedom Credit Union directly?
Yes. Freedom Credit Union is a bank or credit union with 17 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Freedom Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Freedom Credit Union treats applications, then get a rate quote from the lender.