Lenders › Freedom Mortgage Corporation › Massachusetts
Freedom Mortgage Corporation in Massachusetts
HMDA record for properties in Massachusetts, calendar year 2024. National record · Massachusetts 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 Massachusetts, Freedom Mortgage Corporation reported 1,617 applications and 740 originations for 2024, $320m in all.
Its denial rate in the state was 17.7%, below the Massachusetts rate of 22.3% across all lenders and compared with the lender's national rate of 16.2%.
The median rate spread on its Massachusetts originations was 0.3 percentage points (state median 0.2).
Applications in the state were up 131% on 2023.
Compared with the state and the lender's national record
| Measure | In Massachusetts | Massachusetts, all lenders | Freedom Mortgage Corporation, all states | United States |
|---|---|---|---|---|
| Denial rate | 17.7% | 22.3% | 16.2% | 24.3% |
| Median rate spread, pp | 0.3 | 0.2 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.5% | 11.9% | 2.7% | 15.6% |
| Average originated loan | $433k | $432k | $340k | $329k |
| Home purchase share | 34.5% | 50.7% | 33.5% | 57.0% |
| FHA-insured share | 51.1% | 7.5% | 40.4% | 13.4% |
| VA-guaranteed share | 28.1% | 2.5% | 47.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMassachusetts, all lenders
Loan purpose and loan type in Massachusetts
By purpose
Home purchase 34% (255)Refinancing 35% (262)Cash-out refinancing 30% (219)Other purpose 1% (4)
By type
Conventional 21% (154)FHA 51% (378)VA 28% (208)
Denial reasons as coded
Share of 177 denials in Massachusetts by first denial reason coded (outlined bar: all lenders in the state).
Counties in Massachusetts
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Worcester County | 285 | 122 | $43m | 17.4% |
| Bristol County | 232 | 115 | $49m | 15.9% |
| Middlesex County | 210 | 106 | $57m | 16.5% |
| Plymouth County | 194 | 87 | $41m | 18.0% |
| Hampden County | 212 | 85 | $24m | 20.9% |
| Essex County | 157 | 72 | $33m | 18.9% |
| Norfolk County | 106 | 52 | $26m | 14.5% |
| Suffolk County | 73 | 33 | $21m | 16.7% |
| Barnstable County | 68 | 32 | $15m | 19.5% |
| Berkshire County | 34 | 12 | $3.1m | — |
| Franklin County | 25 | 12 | $3.5m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Freedom Mortgage Corporation originate in Massachusetts in 2024?
740 loans totalling $320m, from 1,617 applications reported for properties in Massachusetts.
What is Freedom Mortgage Corporation's denial rate in Massachusetts?
17.7% of decided applications in Massachusetts were denied, against 22.3% 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 Massachusetts counties does Freedom Mortgage Corporation lend in most?
By originations: Worcester County (122), Bristol County (115), Middlesex County (106), Plymouth County (87), Hampden County (85).
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 Massachusetts. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.