Purchase Originations
10,644
Ranked #39 nationally
Median Total Costs
$10,300
+54.2% vs national ($6,680)
↓ $23 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,390
Median Lender Credits
$583
Cost Rank (500+ vol.)
#554
among lenders with 500+ originations
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| va | 4,906 | 6.125% | $8,092 | $1,707 |
| fha | 4,342 | 6.250% | $12,904 | $3,066 |
| conventional | 1,382 | 6.750% | $7,837 | $4,271 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 2,050 | 5.990% | $11,737 | #27 |
| Florida | 1,569 | 6.250% | $11,950 | #30 |
| North Carolina | 791 | 6.250% | $8,844 | #35 |
| Virginia | 717 | 6.250% | $9,925 | #29 |
| California | 644 | 6.125% | $12,204 | #64 |
| Georgia | 459 | 6.250% | $10,479 | #51 |
| Hawaii | 355 | 5.750% | $14,423 | #5 |
| Colorado | 331 | 5.750% | $9,011 | #46 |
| Louisiana | 307 | 6.250% | $8,735 | #25 |
| Maryland | 293 | 6.250% | $11,210 | #47 |
| Indiana | 283 | 6.250% | $8,414 | #65 |
| South Carolina | 281 | 6.250% | $9,821 | #60 |
| Alabama | 217 | 6.125% | $8,480 | #52 |
| Ohio | 195 | 6.500% | $8,119 | #94 |
| Arizona | 169 | 5.750% | $9,170 | #73 |
| Tennessee | 163 | 6.250% | $9,024 | #91 |
| Washington | 143 | 5.875% | $10,233 | #83 |
| Kentucky | 128 | 6.250% | $8,291 | #75 |
| Pennsylvania | 117 | 6.625% | $8,729 | #148 |
| New Jersey | 114 | 6.495% | $9,437 | #101 |
| Nevada | 109 | 5.875% | $7,426 | #60 |
| Illinois | 107 | 6.625% | $6,556 | #144 |
| Massachusetts | 91 | 6.250% | $12,031 | #95 |
| Oregon | 78 | 5.750% | $10,945 | #78 |
| Missouri | 76 | 6.250% | $6,021 | #118 |
| Wisconsin | 73 | 6.490% | $8,284 | #116 |
| Michigan | 70 | 6.562% | $7,196 | #134 |
| Minnesota | 70 | 6.250% | $7,889 | #111 |
| Utah | 66 | 5.750% | $9,468 | #70 |
| Kansas | 64 | 6.250% | $6,999 | #89 |
| Mississippi | 60 | 6.250% | $10,053 | #66 |
| Oklahoma | 60 | 5.812% | $5,096 | #87 |
| New Mexico | 42 | 6.250% | $7,700 | — |
| Alaska | 38 | 4.750% | $4,876 | — |
| Delaware | 32 | 6.058% | $14,805 | — |
| Arkansas | 29 | 6.500% | $5,576 | — |
| Nebraska | 25 | 6.250% | $5,122 | — |
| New York | 25 | 6.500% | $5,818 | — |
| Idaho | 24 | 4.000% | $4,953 | — |
| Connecticut | 23 | 6.250% | $8,373 | — |
| District of Columbia | 22 | 5.125% | $6,574 | — |
| West Virginia | 21 | 6.375% | $6,587 | — |
| Montana | 20 | 6.250% | $10,245 | — |
| North Dakota | 18 | 6.375% | $8,639 | — |
| Iowa | 17 | 6.250% | $4,886 | — |
| New Hampshire | 16 | 6.188% | $11,921 | — |
| Wyoming | 16 | 5.990% | $7,385 | — |
| Maine | 10 | 6.120% | $10,090 | — |
| Rhode Island | 10 | 6.750% | $9,229 | — |
| South Dakota | 4 | 4.308% | $7,381 | — |
| Vermont | 2 | 6.750% | $18,998 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,477 | 5.250% | — | 98 | −$5,823 | |
| 2 | $8,767 | 6.250% | — | 117 | −$1,533 | |
| 3 | $9,394 | 5.750% | — | 104 | −$906 | |
| 4 | $9,903 | 6.250% | — | 131 | −$397 | |
| 5 | $10,298 | 5.750% | — | 169 | −$2 | |
| 6 | $11,123 | 6.250% | — | 100 | +$823 | |
| 7 | $11,555 | 6.125% | — | 155 | +$1,255 | |
| 8 | $11,613 | 6.250% | — | 127 | +$1,313 | |
| 9 | $11,784 | 6.250% | — | 84 | +$1,484 | |
| 10 | $11,827 | 6.125% | — | 95 | +$1,527 | |
| 11 | $11,859 | 6.000% | — | 237 | +$1,559 | |
| 12 | $12,025 | 6.250% | — | 149 | +$1,725 | |
| 13 | $12,258 | 6.125% | — | 87 | +$1,958 | |
| 14 | $13,786 | 5.875% | — | 149 | +$3,486 | |
| 15 | $14,044 | 5.990% | — | 89 | +$3,744 | |
| 16 | $14,579 | 5.750% | — | 306 | +$4,279 | |
| 17 | $15,153 | 5.990% | — | 87 | +$4,853 | |
| 18 | $15,635 | 6.125% | — | 124 | +$5,335 | |
| 19 | $15,824 | 6.250% | — | 150 | +$5,524 | |
| 20 | $15,932 | 6.250% | — | 110 | +$5,632 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Freedom Mortgage Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $10,300 | $7,127 | +$3,173 (+44.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.