# FREEDOM MORTGAGE CORPORATION

> **Canonical URL:** https://saferate.com/lenders/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


FREEDOM MORTGAGE CORPORATION is a independent mortgage company, headquartered in MT LAUREL, NJ, serving borrowers nationwide, with 37,313 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 45% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300LYRWPSYPK6S325
- **Headquarters:** MT LAUREL, NJ
- **Geographic Reach:** National
- **States Served:** 51
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 69.5%
- **Brokered/Wholesale:** 30.5%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.164%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,402
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 37,313
- **Dollar Volume:** $13.0 billion
- **Applications Received:** 80,675
- **Market Share:** 105.00%

## Typical Borrower Profile

- **Average Loan Amount:** $348,222
- **Average Borrower Income:** $125,402
- **Average Property Value:** $420,413

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 79/100 | 6,638 | +0.356% | $2,540 | Strong 😀 |
| FHA | 95/100 | 17,075 | +0.359% | $2,396 | Exceptional 🤩 |
| VA | 96/100 | 13,578 | -0.302% | $2,299 | Exceptional 🤩 |
| USDA | 52/100 | 21 | +0.508% | $2,162 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,748 loans, Score: 78/100 (Strong)
- Refinance: 2,890 loans, Score: 79/100 (Strong)

**FHA:**
- Purchase: 7,769 loans, Score: 93/100 (Exceptional)
- Refinance: 9,306 loans, Score: 96/100 (Exceptional)

**VA:**
- Purchase: 7,535 loans, Score: 94/100 (Exceptional)
- Refinance: 6,043 loans, Score: 97/100 (Exceptional)

**USDA:**
- Purchase: 21 loans, Score: 51/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 91/100 | 19,074 | $7.6B | +0.042% | Exceptional 🤩 |
| Refinance | 93/100 | 18,239 | $5.4B | +0.610% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 4,424 | 1.51% | 86/100 |
| TX | 3,217 | 0.92% | 84/100 |
| CA | 2,227 | 0.78% | 78/100 |
| NC | 2,212 | 1.49% | 82/100 |
| VA | 2,170 | 2.01% | 90/100 |
| GA | 1,970 | 1.43% | 85/100 |
| IN | 1,304 | 1.43% | 81/100 |
| MD | 1,175 | 1.67% | 83/100 |
| OH | 1,071 | 0.80% | 77/100 |
| SC | 1,011 | 1.26% | 84/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 3,991 | 85/100 |
| Atlanta | GA | 932 | 83/100 |
| Virginia Beach | VA-NC | 899 | 88/100 |
| Houston | TX | 754 | 78/100 |
| Tampa, FL | FL | 711 | 83/100 |
| Phoenix | AZ | 668 | 76/100 |
| Dallas | TX | 618 | 78/100 |
| Arlington | VA-WV | 595 | 81/100 |
| Urban Honolulu, HI | HI | 556 | 97/100 |
| Riverside | CA | 539 | 76/100 |
| Baltimore | MD | 537 | 80/100 |
| Orlando | FL | 507 | 78/100 |
| Charlotte | NC-SC | 501 | 79/100 |
| Indianapolis | IN | 501 | 79/100 |
| Jacksonville, FL | FL | 463 | 81/100 |

## Where This Lender Ranks

FREEDOM MORTGAGE CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in United States for FHA Loans
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in United States for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/national/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Georgia for FHA Loans
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Georgia for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Indiana for FHA Loans
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Indiana for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Atlanta for FHA Loans
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Atlanta for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Virginia Beach for FHA Loans
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Virginia Beach for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Alabama for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Tampa, FL for FHA Loans
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Tampa, FL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/tampa-fl/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Hawaii for FHA Loans
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Hawaii for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hawaii/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Urban Honolulu, HI for FHA Loans
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Urban Honolulu, HI for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/urban-honolulu-hi/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Baltimore for FHA Loans
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in Baltimore for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/baltimore/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥇 **#1** in Nevada for FHA Loans
  - [View Full Rankings](https://saferate.com/nevada/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does FREEDOM MORTGAGE CORPORATION offer?

FREEDOM MORTGAGE CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FREEDOM MORTGAGE CORPORATION offer mortgages?

FREEDOM MORTGAGE CORPORATION is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are FREEDOM MORTGAGE CORPORATION's mortgage rates?

FREEDOM MORTGAGE CORPORATION has a pricing score of 55/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.164% above market average.

### What type of lender is FREEDOM MORTGAGE CORPORATION?

FREEDOM MORTGAGE CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in MT LAUREL, NJ.

### What is FREEDOM MORTGAGE CORPORATION's loan approval success rate?

FREEDOM MORTGAGE CORPORATION has a pull-through score of 67/100 (Strong). 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/freedom-mortgage

### How to Cite

> "FREEDOM MORTGAGE CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/freedom-mortgage

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