Freedom Mortgage Corporation mortgage approval rate & lending review
Freedom Mortgage Corporation decided 158,796 mortgage applications and funded 116,543 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Freedom Mortgage Corporation reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to freedommortgage.com.
Freedom Mortgage Corporation at a glance
Approval is 7.3 points above the 76.1% 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 | 88% | 32,351 / 36,898 | 98% | $365K | 31,813 |
| Cash-out refinance | 69% | 39,175 / 56,943 | 96% | $265K | 37,560 |
| Refinance | 94% | 60,077 / 63,614 | 77% | $335K | 46,288 |
| Investment property purchase | 80% | 495 / 621 | 98% | $275K | 484 |
| Investment cash-out refinance | 52% | 199 / 382 | 94% | $175K | 187 |
| Investment refinance | 83% | 279 / 338 | 76% | $265K | 211 |
Freedom Mortgage Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 81% | $335K | 18,570 | 13,529 |
| Texas | 88% | $335K | 13,783 | 10,470 |
| California | 81% | $525K | 10,696 | 7,721 |
| North Carolina | 88% | $295K | 9,220 | 7,105 |
| Georgia | 83% | $355K | 8,326 | 5,959 |
| Virginia | 89% | $395K | 6,373 | 4,933 |
| Arizona | 85% | $395K | 5,668 | 4,179 |
| Ohio | 82% | $245K | 5,533 | 3,957 |
| South Carolina | 86% | $305K | 5,292 | 3,869 |
| Maryland | 84% | $435K | 5,266 | 3,862 |
| Pennsylvania | 77% | $215K | 4,972 | 3,429 |
| Indiana | 84% | $245K | 4,825 | 3,612 |
| New Jersey | 79% | $345K | 4,405 | 3,099 |
| Illinois | 78% | $305K | 4,105 | 2,799 |
| Tennessee | 86% | $315K | 4,077 | 3,026 |
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 Mortgage Corporation lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Refinance | 95% | 1,370 | 1,019 |
| Honolulu County, HI | Mortgage lenders | 92% | 1,122 | 1,010 |
| Maricopa County, AZ | Cash-out refinance | 72% | 1,132 | 789 |
| Harris County, TX | Mortgage lenders | 84% | 878 | 725 |
| Hillsborough County, FL | Mortgage lenders | 90% | 631 | 561 |
| Broward County, FL | Mortgage lenders | 82% | 650 | 516 |
| Onslow County, NC | Mortgage lenders | 95% | 547 | 515 |
| Riverside County, CA | Refinance | 92% | 674 | 469 |
| Tarrant County, TX | Mortgage lenders | 91% | 501 | 449 |
| El Paso County, CO | Refinance | 96% | 597 | 437 |
| Cumberland County, NC | Refinance | 96% | 600 | 431 |
| Bexar County, TX | Mortgage lenders | 88% | 493 | 425 |
The county markets where Freedom Mortgage Corporation made the most loans. Each link opens that market with every lender ranked.
Questions about Freedom Mortgage Corporation
What is Freedom Mortgage Corporation's mortgage approval rate?
Freedom Mortgage Corporation approved 83.5% of the 158,796 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.3 points above the 76.1% national rate for the same mix of loan types.
How often do borrowers take the loan Freedom Mortgage Corporation offers?
Borrowers accepted 88% of the loans Freedom Mortgage Corporation approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Freedom Mortgage Corporation make?
The typical mortgage refinance loan Freedom Mortgage Corporation made was $335K; across all loan types its typical loan ran from $175K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Freedom Mortgage Corporation lend?
Freedom Mortgage Corporation decided applications in 51 of the states Fat Boy Data covers, most of them in Florida, Texas and California.
Can I apply to Freedom Mortgage Corporation directly?
Yes. Freedom Mortgage Corporation reports as a direct lender that takes applications from borrowers. Its website is freedommortgage.com.
Does this page show Freedom Mortgage Corporation'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 Mortgage Corporation treats applications, then get a rate quote from the lender.