Freedom Credit Union
Freedom Credit Union received 280 applications in 2025 and made 172 mortgages, in 13 counties across 3 states. The median rate its borrowers got was 6.750% on a median loan of $95,000. Of 231 decisions, 55 were denials — 23.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 2549006HJBA7HTOZF285 |
|---|---|
| Applications received | 280 |
| Mortgages made | 172 |
| Denied | 55 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 49 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.53 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 45 | 6.625% | $285,000 | 4.3% |
| Refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 44 | 6.750% | $110,000 | 26.7% |
| Other purposes | 78 | 6.688% | $45,000 | 31.1% |
Where Freedom Credit Union lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hampden County, MA | 106 | 6.750% | 23.6% |
| Franklin County, MA | 31 | 6.750% | 18.4% |
| Hampshire County, MA | 27 | 6.750% | 10.0% |
| Capitol Planning Region, CT | 4 | Under 10 loans | 50.0% |
| Southeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Berkshire County, MA | 1 | Under 10 loans | 0.0% |
| Worcester County, MA | 1 | Under 10 loans | 66.7% |
| Windham County, VT | 1 | Under 10 loans | 0.0% |
| Bristol County, MA | 0 | Under 10 loans | 100.0% |
| Middlesex County, MA | 0 | Under 10 loans | 100.0% |
| Norfolk County, MA | 0 | Under 10 loans | 100.0% |
| Suffolk County, MA | 0 | Under 10 loans | 100.0% |
| Caledonia County, VT | 0 | Under 10 loans | Not published |
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When Freedom Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.