# Financial Freedom Mortgage, LLC

> **Canonical URL:** https://saferate.com/lenders/financial-freedom-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Financial Freedom Mortgage, LLC is a independent mortgage company, headquartered in Mount Laurel, NJ, serving borrowers across 3 states, with 77 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 58% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 64% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 894500LIN378M3LLE796
- **Headquarters:** Mount Laurel, NJ
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** DE, MD, NJ
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 36/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.003%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,349
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 77
- **Dollar Volume:** $27 million
- **Applications Received:** 129
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $348,506
- **Average Borrower Income:** $108,662
- **Average Property Value:** $489,416

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| FHA | 61/100 | 69 | +0.024% | $5,485 | Strong 😀 |

### Product Performance by Purpose

**FHA:**
- Refinance: 68 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Refinance | 50/100 | 75 | $26M | -0.004% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NJ | 47 | 0.05% | 64/100 |
| MD | 22 | 0.03% | 53/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Camden, NJ | NJ | 13 | 51/100 |
| Newark, NJ | NJ | 12 | 49/100 |

## Frequently Asked Questions

### What loan types does Financial Freedom Mortgage, LLC offer?

Financial Freedom Mortgage, LLC offers the following mortgage loan types: FHA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Financial Freedom Mortgage, LLC offer mortgages?

Financial Freedom Mortgage, LLC offers mortgages in 3 states: DE, MD, NJ.

### How competitive are Financial Freedom Mortgage, LLC's mortgage rates?

Financial Freedom Mortgage, LLC has a pricing score of 42/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.003% above market average.

### What type of lender is Financial Freedom Mortgage, LLC?

Financial Freedom Mortgage, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Mount Laurel, NJ.

### What is Financial Freedom Mortgage, LLC's loan approval success rate?

Financial Freedom Mortgage, LLC has a pull-through score of 36/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/financial-freedom-mortgage

### How to Cite

> "Financial Freedom Mortgage, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/financial-freedom-mortgage

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