Lenders › Freedom Mortgage Corporation › Missouri
Freedom Mortgage Corporation in Missouri
HMDA record for properties in Missouri, calendar year 2024. National record · Missouri 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 Missouri, Freedom Mortgage Corporation reported 2,752 applications and 1,264 originations for 2024, $308m in all.
Its denial rate in the state was 15.5%, below the Missouri rate of 19.9% across all lenders and compared with the lender's national rate of 16.2%.
The median rate spread on its Missouri originations was 0.4 percentage points (state median 0.4).
Applications in the state were up 127% on 2023.
Compared with the state and the lender's national record
| Measure | In Missouri | Missouri, all lenders | Freedom Mortgage Corporation, all states | United States |
|---|---|---|---|---|
| Denial rate | 15.5% | 19.9% | 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 | 3.6% | 14.1% | 2.7% | 15.6% |
| Average originated loan | $243k | $231k | $340k | $329k |
| Home purchase share | 14.6% | 58.6% | 33.5% | 57.0% |
| FHA-insured share | 46.0% | 12.8% | 40.4% | 13.4% |
| VA-guaranteed share | 45.4% | 8.2% | 47.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateMissouri, all lenders
Loan purpose and loan type in Missouri
By purpose
Home purchase 15% (184)Refinancing 46% (582)Cash-out refinancing 39% (496)Other purpose 0% (2)
By type
Conventional 9% (108)FHA 46% (581)VA 45% (574)USDA 0% (1)
Denial reasons as coded
Share of 259 denials in Missouri by first denial reason coded (outlined bar: all lenders in the state).
Counties in Missouri
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jackson County | 395 | 160 | $41m | 19.5% |
| St. Louis County | 314 | 136 | $31m | 18.0% |
| St. Charles County | 220 | 119 | $34m | 11.0% |
| Clay County | 168 | 78 | $21m | 15.2% |
| Greene County | 131 | 65 | $16m | 12.2% |
| Jefferson County | 120 | 61 | $14m | 9.5% |
| Platte County | 68 | 36 | $11m | 9.3% |
| Cass County | 84 | 34 | $9.7m | 7.1% |
| Johnson County | 39 | 27 | $7.4m | 6.1% |
| St. Louis city | 50 | 26 | $5.6m | 25.0% |
| Pulaski County | 43 | 25 | $6.2m | 16.1% |
| Franklin County | 42 | 25 | $5.2m | 3.3% |
| Christian County | 55 | 23 | $6.7m | 13.3% |
| Jasper County | 51 | 23 | $3.9m | 23.5% |
| Boone County | 45 | 22 | $6.6m | 11.5% |
| Lincoln County | 40 | 22 | $6.1m | 3.8% |
| Webster County | 31 | 17 | $3.6m | — |
| Cole County | 31 | 15 | $3.3m | — |
| Pettis County | 37 | 14 | $2.7m | — |
| Warren County | 32 | 14 | $3.4m | — |
| Taney County | 34 | 13 | $3.5m | — |
| Cape Girardeau County | 29 | 12 | $2.4m | — |
| Newton County | 26 | 12 | $2.0m | — |
| St. Francois County | 36 | 10 | $2.4m | — |
| Laclede County | 26 | 10 | $1.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Freedom Mortgage Corporation originate in Missouri in 2024?
1,264 loans totalling $308m, from 2,752 applications reported for properties in Missouri.
What is Freedom Mortgage Corporation's denial rate in Missouri?
15.5% of decided applications in Missouri were denied, against 19.9% 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 Missouri counties does Freedom Mortgage Corporation lend in most?
By originations: Jackson County (160), St. Louis County (136), St. Charles County (119), Clay County (78), Greene County (65).
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 Missouri. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.