# FREEDOM

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


> **📋 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 is a credit union, headquartered in Warminster, PA, serving borrowers across 3 states, with 78 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 5% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 62% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300JNYMHRVCGKK706
- **Headquarters:** Warminster, PA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** DE, NJ, PA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 95/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.593%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $529
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 78
- **Dollar Volume:** $22 million
- **Applications Received:** 115
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $285,897
- **Average Borrower Income:** $138,385
- **Average Property Value:** $448,590

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 29/100 | 77 | -0.583% | $526 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 44 loans, Score: 26/100 (Acceptable)
- Refinance: 33 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 44 | $14M | -0.565% | Acceptable 🙂 |
| Refinance | 41/100 | 34 | $8M | -0.636% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 64 | 0.05% | 65/100 |
| NJ | 10 | 0.01% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Montgomery County | PA | 35 | 65/100 |
| Philadelphia, PA | PA | 23 | 59/100 |

## Frequently Asked Questions

### What loan types does FREEDOM offer?

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

### Where does FREEDOM offer mortgages?

FREEDOM offers mortgages in 3 states: DE, NJ, PA.

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

FREEDOM has a pricing score of 95/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.593% below market average.

### What type of lender is FREEDOM?

FREEDOM is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Warminster, PA.

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

FREEDOM has a pull-through score of 38/100 (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/freedom

### How to Cite

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

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