What loan types does Freedom offer?

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

Where does Freedom offer mortgages?

Freedom offers mortgages in 3 states: DE, NJ, PA.

How competitive are Freedom's mortgage rates?

Freedom has an overall pricing score of 95.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Freedom?

Freedom is a Credit Union headquartered in Warminster, PA.

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Freedom

Credit Union•Warminster, PAHQ•Direct•Reviews near you on Google

Freedom has 78 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

Exceptional

5/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Offers rates 59.30 basis points below market average
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Freedom performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 59.3 bps below market avg

5/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

77 loans · 0.58% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

44 loans · 0.56% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

34 loans · 0.64% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Acceptable	77	98.7%	-0.583%Below	$526Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume77

Mix98.7%

Spread

-0.583%Below

Fees

$526Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Acceptable	44	56.4%	-0.565%Below	$693Fees
Refinance	Strong	Sound	Exceptional	Strong	34	43.6%	-0.636%Below	$273Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Acceptable

Volume44

Mix56.4%

Spread

-0.565%Below

Fees

$693Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume34

Mix43.6%

Spread

-0.636%Below

Fees

$273Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

115

Volume

$22 million

Pricing & Closing

Avg Rate Spread

-0.593%

vs. market APOR

Avg Net Fees

$529

Origination − Credits

Pullthrough Rate

67.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$285,897

Avg Borrower Income

$138,385

Avg Property Value

$448,590

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 1010+None

Northeast2

NJPA

South1

Top Metro Areas by Place Specialization Score

Montgomery County, PAMetro

Volume 35Mix 44.87% of portfolio

65/100

Strong

Philadelphia, PAMetro

Volume 23Mix 29.49% of portfolio

59/100

Sound

Top States by Place Specialization Score

PennsylvaniaState

Volume 64Mix 82.05% of portfolio

65/100

Strong

New JerseyState

Volume 10Mix 12.82% of portfolio

44/100

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.