Lenders › Freedom Mortgage Corporation › Florida
Freedom Mortgage Corporation in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, Freedom Mortgage Corporation reported 12,754 applications and 5,988 originations for 2024, $2.2bn in all.
Its denial rate in the state was 17.7%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 16.2%.
The median rate spread on its Florida originations was 0.1 percentage points (state median 0.3).
Applications in the state were up 110% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | Freedom Mortgage Corporation, all states | United States |
|---|---|---|---|---|
| Denial rate | 17.7% | 29.0% | 16.2% | 24.3% |
| Median rate spread, pp | 0.1 | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.2% | 16.4% | 2.7% | 15.6% |
| Average originated loan | $363k | $359k | $340k | $329k |
| Home purchase share | 48.8% | 62.9% | 33.5% | 57.0% |
| FHA-insured share | 44.1% | 17.7% | 40.4% | 13.4% |
| VA-guaranteed share | 44.7% | 9.5% | 47.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 49% (2,925)Refinancing 26% (1,579)Cash-out refinancing 24% (1,466)Other purpose 0% (18)
By type
Conventional 11% (668)FHA 44% (2,640)VA 45% (2,679)USDA 0% (1)
Denial reasons as coded
Share of 1,416 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hillsborough County | 1,125 | 579 | $222m | 14.1% |
| Broward County | 840 | 423 | $188m | 19.4% |
| Duval County | 760 | 362 | $125m | 14.9% |
| Polk County | 751 | 355 | $108m | 20.6% |
| Brevard County | 575 | 287 | $99m | 11.4% |
| Pasco County | 544 | 273 | $100m | 13.3% |
| Miami-Dade County | 648 | 256 | $112m | 24.8% |
| Orange County | 610 | 256 | $101m | 22.7% |
| Palm Beach County | 577 | 240 | $97m | 25.4% |
| Lee County | 527 | 230 | $75m | 22.1% |
| Pinellas County | 426 | 204 | $82m | 20.0% |
| St. Lucie County | 370 | 194 | $70m | 12.2% |
| Volusia County | 435 | 192 | $62m | 17.8% |
| Marion County | 327 | 163 | $44m | 15.5% |
| Clay County | 313 | 148 | $53m | 17.1% |
| Lake County | 335 | 143 | $51m | 21.5% |
| Osceola County | 330 | 134 | $49m | 24.8% |
| Okaloosa County | 235 | 128 | $45m | 14.5% |
| Seminole County | 217 | 123 | $46m | 12.6% |
| St. Johns County | 220 | 112 | $58m | 11.9% |
| Hernando County | 228 | 110 | $34m | 16.7% |
| Santa Rosa County | 198 | 107 | $37m | 9.6% |
| Escambia County | 213 | 96 | $28m | 14.1% |
| Manatee County | 223 | 93 | $35m | 12.7% |
| Sarasota County | 187 | 79 | $31m | 25.7% |
| Citrus County | 141 | 63 | $17m | 17.0% |
| Bay County | 151 | 59 | $19m | 15.9% |
| Charlotte County | 129 | 59 | $19m | 13.5% |
| Flagler County | 98 | 53 | $17m | 15.2% |
| Indian River County | 106 | 52 | $16m | 15.7% |
| Nassau County | 96 | 44 | $16m | 21.3% |
| Alachua County | 83 | 37 | $13m | 13.3% |
| Walton County | 56 | 34 | $14m | 7.5% |
| Leon County | 82 | 33 | $9.9m | 17.4% |
| Martin County | 68 | 33 | $12m | 18.6% |
| Highlands County | 78 | 32 | $7.9m | 20.0% |
| Collier County | 77 | 31 | $14m | 28.3% |
| Sumter County | 39 | 17 | $4.8m | — |
| Levy County | 33 | 17 | $4.1m | — |
| Putnam County | 34 | 16 | $3.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Freedom Mortgage Corporation originate in Florida in 2024?
5,988 loans totalling $2.2bn, from 12,754 applications reported for properties in Florida.
What is Freedom Mortgage Corporation's denial rate in Florida?
17.7% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 16.2% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does Freedom Mortgage Corporation lend in most?
By originations: Hillsborough County (579), Broward County (423), Duval County (362), Polk County (355), Brevard County (287).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.