FREEDOM FIRST Federal Credit Union
FREEDOM FIRST Federal Credit Union has 324 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
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Exceptional
5/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA loans
Explore another lender or local market
Report Card
FREEDOM FIRST Federal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+20.1 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
253 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
FHA
49 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
Jumbo
10 loans · 0.21% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
273 loans · 0.15% above market
Strong
Top 40% of lenders
4/5
Refinance
51 loans · 0.52% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 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 | 253 | 78.1% | +0.205%Above | $1,655Fees | ||||
FHA Loans | 49 | 15.1% | +0.264%Above | $1,649Fees | ||||
Jumbo Loans | — | — | 10 | 3.1% | +0.210%Above | $53Credit |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume253
Mix78.1%
Spread
+0.205%Above
Fees
$1,655Fees
FHA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume49
Mix15.1%
Spread
+0.264%Above
Fees
$1,649Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume10
Mix3.1%
Spread
+0.210%Above
Fees
$53Credit
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 273 | 84.3% | +0.147%Above | $1,640Fees | ||||
Refinance | 51 | 15.7% | +0.515%Above | $1,524Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume273
Mix84.3%
Spread
+0.147%Above
Fees
$1,640Fees
Refinance
OverallSound
ProductSound
PricingSound
Pull ThroughStrong
Volume51
Mix15.7%
Spread
+0.515%Above
Fees
$1,524Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
324
Applications
439
Volume
$101 million
Pricing & Closing
Avg Rate Spread
+0.201%
vs. market APOR
Avg Net Fees
$1,623
Origination − Credits
Pullthrough Rate
73.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$312,747
Avg Borrower Income
$139,796
Avg Property Value
$426,265
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
9Full-year 2024 · HMDALoans originated
All statesNone
Northeast1
NJ
Midwest1
MI
South7
ALDEFLGANCSCVA
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.
Looking for a different lender?
Are you the owner of FREEDOM FIRST Federal Credit Union?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.