Lender in Virginia · HMDA 2025
Freedom First Federal Credit Union mortgages in Virginia
Freedom First Federal Credit Union's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Freedom First Federal Credit Union originated 252 owner-occupied single-family loans in Virginia from 262 completed applications.
Its median conventional purchase loan costs were $4,070 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
252
of 262 applications
Denial rate
2.5%
Purchase · VA 6.9%
Rate spread
+0.20 pts
Conv. · VA +0.10 pts
Loan amount
$265,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 238 | 229 | 2.5% | 6.625% | +0.20 pts | $4,070 | $265,000 |
| Refinance | 8 | 8 | — | — | — | — | — |
| Cash-out refinance | 16 | 15 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Freedom First Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Montgomery County | 3 | 53 | 6.0% |
| Radford city | 3 | 10 | 6.4% |
| Roanoke city | 6 | 39 | 3.1% |
| Salem city | 6 | 11 | 3.2% |
| Giles County | 10 | 6 | 3.2% |
| Floyd County | 11 | 4 | 2.6% |
| Roanoke County | 12 | 29 | 1.9% |
| Franklin County | 12 | 16 | 2.5% |
| Botetourt County | 14 | 9 | 1.8% |
| Bland County | 14 | 1 | 2.6% |
| Lynchburg city | 18 | 13 | 1.4% |
| Bedford County | 19 | 17 | 1.4% |
| Craig County | 19 | 1 | 1.4% |
| Appomattox County | 25 | 3 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology