What loan types does Financial Freedom Mortgage offer?

Financial Freedom Mortgage offers the following mortgage loan types: FHA. Each product has its own pricing score and performance metrics.

Where does Financial Freedom Mortgage offer mortgages?

Financial Freedom Mortgage offers mortgages in 3 states: DE, MD, NJ.

How competitive are Financial Freedom Mortgage's mortgage rates?

Financial Freedom Mortgage has an overall pricing score of 42/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Financial Freedom Mortgage?

Financial Freedom Mortgage is a Independent Mortgage Company headquartered in Mount Laurel, NJ.

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Financial Freedom Mortgage

Independent Mortgage Company•Mount Laurel, NJHQ•Direct•Reviews near you on Google

Financial Freedom Mortgage has 77 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

FHA

Place

Sound

3/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

FHA

Superstar

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Financial Freedom Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+0.3 bps above market avg

3/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

FHA

69 loans · 0.02% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Refinance

75 loans · 0.00% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
FHA Loans	Sound	Strong	Sound	Strong	69	89.6%	+0.024%Above	$5,485Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume69

Mix89.6%

Spread

+0.024%Above

Fees

$5,485Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Refinance	Sound	Sound	Sound	Sound	75	97.4%	-0.004%Below	$5,340Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume75

Mix97.4%

Spread

-0.004%Below

Fees

$5,340Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

129

Volume

$26 million

Pricing & Closing

Avg Rate Spread

+0.003%

vs. market APOR

Avg Net Fees

$5,349

Origination − Credits

Pullthrough Rate

59.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$348,506

Avg Borrower Income

$108,662

Avg Property Value

$489,416

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 2020+None

Northeast1

South2

DEMD

Top Metro Areas by Place Specialization Score

Camden, NJMetro

Volume 13Mix 16.88% of portfolio

51/100

Sound

Newark, NJMetro

Volume 12Mix 15.58% of portfolio

49/100

Sound

Top States by Place Specialization Score

New JerseyState

Volume 47Mix 61.04% of portfolio

64/100

Strong

MarylandState

Volume 22Mix 28.57% of portfolio

53/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.