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Freedom Mortgage Corporation in Ohio
HMDA record for properties in Ohio, calendar year 2024. National record · Ohio 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.
Freedom Mortgage Corporation's 2024 HMDA record for Ohio covers 4,182 applications, 1,847 of them originated, worth $451m.
Its denial rate in the state was 18.3%, below the Ohio rate of 23.5% across all lenders and compared with the lender's national rate of 16.2%.
The median rate spread on its Ohio originations was 0.4 percentage points (state median 0.5).
Applications in the state were up 106% on 2023.
Compared with the state and the lender's national record
| Measure | In Ohio | Ohio, all lenders | Freedom Mortgage Corporation, all states | United States |
|---|---|---|---|---|
| Denial rate | 18.3% | 23.5% | 16.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.5 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 3.7% | 17.7% | 2.7% | 15.6% |
| Average originated loan | $244k | $218k | $340k | $329k |
| Home purchase share | 16.0% | 51.7% | 33.5% | 57.0% |
| FHA-insured share | 47.1% | 12.3% | 40.4% | 13.4% |
| VA-guaranteed share | 43.8% | 5.9% | 47.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOhio, all lenders
Loan purpose and loan type in Ohio
By purpose
Home purchase 16% (295)Refinancing 44% (819)Cash-out refinancing 39% (729)Other purpose 0% (4)
By type
Conventional 9% (167)FHA 47% (870)VA 44% (809)USDA 0% (1)
Denial reasons as coded
Share of 466 denials in Ohio by first denial reason coded (outlined bar: all lenders in the state).
Counties in Ohio
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Franklin County | 498 | 208 | $58m | 11.9% |
| Cuyahoga County | 317 | 138 | $31m | 25.2% |
| Montgomery County | 272 | 109 | $25m | 18.2% |
| Hamilton County | 278 | 108 | $23m | 18.5% |
| Butler County | 187 | 85 | $23m | 17.1% |
| Lorain County | 137 | 70 | $17m | 18.1% |
| Warren County | 116 | 68 | $20m | 18.6% |
| Clermont County | 121 | 62 | $16m | 11.4% |
| Summit County | 130 | 60 | $13m | 21.2% |
| Delaware County | 99 | 53 | $18m | 4.7% |
| Greene County | 90 | 49 | $13m | 10.2% |
| Lucas County | 96 | 45 | $9.1m | 24.6% |
| Fairfield County | 101 | 44 | $13m | 11.1% |
| Stark County | 111 | 41 | $8.7m | 36.1% |
| Lake County | 90 | 38 | $8.5m | 22.8% |
| Licking County | 90 | 35 | $10m | 16.3% |
| Medina County | 65 | 33 | $10m | 12.5% |
| Trumbull County | 65 | 27 | $5.2m | 20.0% |
| Miami County | 56 | 27 | $6.5m | 16.7% |
| Pickaway County | 48 | 26 | $7.6m | 12.5% |
| Clark County | 56 | 24 | $4.5m | 19.4% |
| Portage County | 61 | 22 | $6.0m | 21.4% |
| Union County | 45 | 22 | $6.9m | 12.9% |
| Ross County | 36 | 20 | $4.1m | 20.0% |
| Knox County | 28 | 18 | $5.4m | — |
| Richland County | 60 | 17 | $3.3m | 26.9% |
| Mahoning County | 47 | 16 | $3.4m | — |
| Muskingum County | 38 | 15 | $3.6m | — |
| Marion County | 34 | 15 | $2.3m | — |
| Wayne County | 31 | 15 | $3.6m | — |
| Ashtabula County | 36 | 14 | $2.7m | — |
| Wood County | 35 | 13 | $2.5m | — |
| Tuscarawas County | 30 | 13 | $2.5m | — |
| Fayette County | 25 | 13 | $2.5m | — |
| Columbiana County | 33 | 12 | $2.7m | — |
| Preble County | 28 | 7 | $1.6m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Freedom Mortgage Corporation originate in Ohio in 2024?
1,847 loans totalling $451m, from 4,182 applications reported for properties in Ohio.
What is Freedom Mortgage Corporation's denial rate in Ohio?
18.3% of decided applications in Ohio were denied, against 23.5% 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 Ohio counties does Freedom Mortgage Corporation lend in most?
By originations: Franklin County (208), Cuyahoga County (138), Montgomery County (109), Hamilton County (108), Butler 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 Ohio. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.