What loan types does FREEDOM FIRST Federal Credit Union offer?

FREEDOM FIRST Federal Credit Union offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does FREEDOM FIRST Federal Credit Union offer mortgages?

FREEDOM FIRST Federal Credit Union offers mortgages in 9 states: AL, DE, FL, GA, MI, NC, NJ, SC, VA.

How competitive are FREEDOM FIRST Federal Credit Union's mortgage rates?

FREEDOM FIRST Federal Credit Union has an overall pricing score of 63.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is FREEDOM FIRST Federal Credit Union?

FREEDOM FIRST Federal Credit Union is a Credit Union headquartered in Roanoke, VA.

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FREEDOM FIRST Federal Credit Union

Credit Union•Roanoke, VAHQ•Direct•Reviews near you on Google

FREEDOM FIRST Federal Credit Union has 324 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · Jumbo

Place

Exceptional

5/5

Multi-Region · 3 mkts

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance
Particularly strong in Conventional and FHA loans

Explore another lender or local market

Report Card

FREEDOM FIRST Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+20.1 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Jumbo

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Strong

Top 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Sound	Strong	253	78.1%	+0.205%Above	$1,655Fees
FHA Loans	Strong	Strong	Exceptional	Strong	49	15.1%	+0.264%Above	$1,649Fees
Jumbo Loans	Sound	Sound	—	—	10	3.1%	+0.210%Above	$53Credit

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume253

Mix78.1%

Spread

+0.205%Above

Fees

$1,655Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume49

Mix15.1%

Spread

+0.264%Above

Fees

$1,649Fees

Jumbo Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume10

Mix3.1%

Spread

+0.210%Above

Fees

$53Credit

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Strong	273	84.3%	+0.147%Above	$1,640Fees
Refinance	Sound	Sound	Sound	Strong	51	15.7%	+0.515%Above	$1,524Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume273

Mix84.3%

Spread

+0.147%Above

Fees

$1,640Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume51

Mix15.7%

Spread

+0.515%Above

Fees

$1,524Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

324

Applications

439

Volume

$101 million

Pricing & Closing

Avg Rate Spread

+0.201%

vs. market APOR

Avg Net Fees

$1,623

Origination − Credits

Pullthrough Rate

73.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$312,747

Avg Borrower Income

$139,796

Avg Property Value

$426,265

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

Northeast1

Midwest1

South7

ALDEFLGANCSCVA

Top Metro Areas by Place Specialization Score

Blacksburg, VAMetro

Volume 93Mix 28.70% of portfolio

94/100

Exceptional

Roanoke, VAMetro

Volume 130Mix 40.12% of portfolio

90/100

Exceptional

Lynchburg, VAMetro

Volume 48Mix 14.81% of portfolio

73/100

Strong

Top States by Place Specialization Score

VirginiaState

Volume 311Mix 95.99% of portfolio

82/100

Exceptional

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.