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Freedom Mortgage Corporation in Oregon
HMDA record for properties in Oregon, calendar year 2024. National record · Oregon 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 Oregon covers 1,224 applications, 595 of them originated, worth $229m.
Its denial rate in the state was 16.7%, below the Oregon rate of 20.6% across all lenders and compared with the lender's national rate of 16.2%.
The median rate spread on its Oregon originations was 0.1 percentage points (state median 0.4).
Applications in the state were up 153% on 2023.
Compared with the state and the lender's national record
| Measure | In Oregon | Oregon, all lenders | Freedom Mortgage Corporation, all states | United States |
|---|---|---|---|---|
| Denial rate | 16.7% | 20.6% | 16.2% | 24.3% |
| Median rate spread, pp | 0.1 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 2.9% | 16.0% | 2.7% | 15.6% |
| Average originated loan | $385k | $354k | $340k | $329k |
| Home purchase share | 33.8% | 53.8% | 33.5% | 57.0% |
| FHA-insured share | 40.2% | 11.9% | 40.4% | 13.4% |
| VA-guaranteed share | 45.7% | 6.7% | 47.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateOregon, all lenders
Loan purpose and loan type in Oregon
By purpose
Home purchase 34% (201)Refinancing 37% (222)Cash-out refinancing 28% (167)Other purpose 1% (5)
By type
Conventional 14% (84)FHA 40% (239)VA 46% (272)
Denial reasons as coded
Share of 132 denials in Oregon by first denial reason coded (outlined bar: all lenders in the state).
Counties in Oregon
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Washington County | 140 | 82 | $37m | 11.1% |
| Marion County | 125 | 67 | $26m | 13.5% |
| Lane County | 136 | 62 | $22m | 18.4% |
| Multnomah County | 135 | 62 | $26m | 20.7% |
| Linn County | 83 | 53 | $19m | 8.1% |
| Clackamas County | 73 | 38 | $19m | 4.8% |
| Jackson County | 82 | 34 | $12m | 23.5% |
| Douglas County | 67 | 30 | $9.0m | 21.7% |
| Umatilla County | 41 | 20 | $5.6m | 17.9% |
| Klamath County | 43 | 19 | $5.5m | 19.2% |
| Polk County | 38 | 18 | $7.3m | — |
| Deschutes County | 42 | 17 | $8.0m | 28.0% |
| Yamhill County | 33 | 17 | $7.4m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Freedom Mortgage Corporation originate in Oregon in 2024?
595 loans totalling $229m, from 1,224 applications reported for properties in Oregon.
What is Freedom Mortgage Corporation's denial rate in Oregon?
16.7% of decided applications in Oregon were denied, against 20.6% 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 Oregon counties does Freedom Mortgage Corporation lend in most?
By originations: Washington County (82), Marion County (67), Lane County (62), Multnomah County (62), Linn County (53).
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 Oregon. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.