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Freedom Mortgage Corporation in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky 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 Kentucky, Freedom Mortgage Corporation reported 2,098 applications and 1,067 originations for 2024, $271m in all.
Its denial rate in the state was 14.1%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 16.2%.
The median rate spread on its Kentucky originations was 0.4 percentage points (state median 0.4).
Applications in the state were up 136% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Freedom Mortgage Corporation, all states | United States |
|---|---|---|---|---|
| Denial rate | 14.1% | 25.0% | 16.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.1% | 16.0% | 2.7% | 15.6% |
| Average originated loan | $254k | $219k | $340k | $329k |
| Home purchase share | 34.3% | 55.3% | 33.5% | 57.0% |
| FHA-insured share | 50.5% | 14.6% | 40.4% | 13.4% |
| VA-guaranteed share | 41.2% | 8.0% | 47.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 34% (366)Refinancing 34% (367)Cash-out refinancing 31% (333)Other purpose 0% (1)
By type
Conventional 8% (85)FHA 51% (539)VA 41% (440)USDA 0% (3)
Denial reasons as coded
Share of 197 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 458 | 265 | $74m | 15.0% |
| Hardin County | 144 | 76 | $21m | 12.1% |
| Fayette County | 100 | 48 | $14m | 6.7% |
| Boone County | 90 | 40 | $11m | 22.0% |
| Bullitt County | 74 | 37 | $10m | 17.0% |
| Christian County | 69 | 37 | $8.6m | 4.5% |
| Kenton County | 71 | 33 | $7.7m | 18.8% |
| Warren County | 56 | 31 | $7.2m | 10.8% |
| Madison County | 44 | 28 | $6.9m | 8.6% |
| Nelson County | 45 | 26 | $6.0m | 11.1% |
| Pulaski County | 33 | 23 | $5.6m | 7.4% |
| Oldham County | 49 | 20 | $6.8m | 20.7% |
| Meade County | 39 | 20 | $5.0m | 12.0% |
| Scott County | 34 | 20 | $5.8m | — |
| Campbell County | 41 | 19 | $4.5m | — |
| Franklin County | 28 | 18 | $4.3m | — |
| Shelby County | 40 | 16 | $4.8m | 26.9% |
| Hopkins County | 34 | 15 | $2.4m | — |
| Daviess County | 26 | 10 | $1.8m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Freedom Mortgage Corporation originate in Kentucky in 2024?
1,067 loans totalling $271m, from 2,098 applications reported for properties in Kentucky.
What is Freedom Mortgage Corporation's denial rate in Kentucky?
14.1% of decided applications in Kentucky were denied, against 25.0% 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 Kentucky counties does Freedom Mortgage Corporation lend in most?
By originations: Jefferson County (265), Hardin County (76), Fayette County (48), Boone County (40), Bullitt County (37).
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 Kentucky. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.