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Freedom Mortgage Corporation in Texas

HMDA record for properties in Texas, calendar year 2024. National record · Texas overview

LEI 549300LYRWPSYPK6S325
Reporting agency Department of Housing and Urban Development
State Texas

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 Texas, Freedom Mortgage Corporation reported 8,902 applications and 4,746 originations for 2024, $1.7bn in all.

Its denial rate in the state was 10.0%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 16.2%.

The median rate spread on its Texas originations was -0.1 percentage points (state median 0.2).

Applications in the state were up 250% on 2023.

8,902applications in TX, 20247.3% of the lender's total
4,746loans originated$1.7bn
10.0%denial rateTX all lenders 26.0%
-0.1 ppmedian rate spreadTX 0.2 pp

Compared with the state and the lender's national record

MeasureIn TexasTexas, all lendersFreedom Mortgage Corporation, all statesUnited States
Denial rate10.0%26.0%16.2%24.3%
Median rate spread, pp-0.10.20.20.3
Originations with spread of 1.5 pp or more3.8%11.8%2.7%15.6%
Average originated loan$351k$350k$340k$329k
Home purchase share61.0%72.8%33.5%57.0%
FHA-insured share41.5%19.8%40.4%13.4%
VA-guaranteed share44.9%10.4%47.9%7.9%

Trend by year

ApplicationsOriginations

05,18910,3782022: 10,378 Applications2023: 2,547 Applications2024: 8,902 Applications2022: 4,808 Originations2023: 1,436 Originations2024: 4,746 Originations202220232024
Freedom Mortgage Corporation in Texas: applications and originations, 2022–2024

This lender in stateTexas, all lenders

0%13.9%27.9%2022: 11.8% This lender in state2023: 17% This lender in state2024: 10% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Texas

By purpose

Home purchase 61% (2,895)Refinancing 34% (1,625)Cash-out refinancing 5% (217)Other purpose 0% (9)

By type

Conventional 14% (648)FHA 41% (1,969)VA 45% (2,129)

Denial reasons as coded

Debt-to-income ratio28.3%
Collateral24.5%
Other14.1%
Credit history11.4%
Unverifiable information7.9%
Insufficient cash (downpayment, closing costs)7.1%
Employment history4.6%
Credit application incomplete2%
Mortgage insurance denied0%

Share of 604 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).

Counties in Texas

CountyApplicationsOriginationsAmountDenial rate
Harris County987515$179m13.2%
Bexar County696363$120m8.9%
Tarrant County649356$129m10.2%
Collin County392215$101m6.2%
Denton County391209$90m9.8%
Montgomery County347196$72m8.1%
Webb County243191$55m6.8%
Dallas County389188$72m15.2%
El Paso County311151$43m7.4%
Bell County281136$45m7.3%
Fort Bend County238115$43m12.8%
Williamson County235115$48m10.1%
Hidalgo County222115$31m9.7%
Nueces County170114$36m10.1%
Travis County20396$41m15.1%
Johnson County13172$27m12.9%
Galveston County12671$22m10.1%
Cameron County12270$20m10.5%
Ellis County12969$28m11.4%
Guadalupe County12667$22m6.2%
Parker County9363$27m1.4%
Kaufman County11858$21m10.1%
Lubbock County11458$15m2.7%
Brazoria County11956$21m12.2%
Comal County9554$26m10.3%
Taylor County8546$12m3.5%
Rockwall County8043$18m7.4%
Grayson County6536$11m7.1%
Midland County5735$12m9.3%
Wise County5934$13m14.9%
Jefferson County6333$8.2m15.9%
Hays County6932$12m12.5%
Ector County6632$8.5m13.3%
McLennan County5429$9.6m10.3%
Wichita County3625$5.5m0.0%
Tom Green County4724$6.3m5.9%
Hunt County4224$9.3m9.7%
Bastrop County3624$9.5m3.7%
Smith County4623$6.5m9.4%
Angelina County2622$5.7m—

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Freedom Mortgage Corporation originate in Texas in 2024?

4,746 loans totalling $1.7bn, from 8,902 applications reported for properties in Texas.

What is Freedom Mortgage Corporation's denial rate in Texas?

10.0% of decided applications in Texas were denied, against 26.0% 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 Texas counties does Freedom Mortgage Corporation lend in most?

By originations: Harris County (515), Bexar County (363), Tarrant County (356), Collin County (215), Denton County (209).

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 Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.