Lender in California · HMDA 2025
Freedom Mortgage Corporation mortgages in California
Freedom Mortgage Corporation's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Freedom Mortgage Corporation originated 3,809 owner-occupied single-family loans in California from 5,333 completed applications, making it the state's #16 lender by volume.
Its median conventional purchase loan costs were $8,510 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
3,809
of 5,333 applications
Denial rate
15.7%
Purchase · CA 8.9%
Rate spread
+0.05 pts
Conv. · CA +0.09 pts
Loan amount
$565,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 766 | 636 | 15.7% | 6.625% | +0.05 pts | $8,510 | $565,000 |
| Refinance | 2,999 | 2,139 | 8.0% | 6.375% | +0.02 pts | $2,140 | $485,000 |
| Cash-out refinance | 1,568 | 1,034 | 30.0% | 7.000% | +0.81 pts | $10,450 | $395,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Freedom Mortgage Corporation ranks in the top 25
Showing the 30 counties where it ranks highest, of 41.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Sierra County | 3 | 2 | 8.3% |
| Imperial County | 6 | 45 | 4.0% |
| Modoc County | 6 | 2 | 4.5% |
| Merced County | 7 | 55 | 2.5% |
| Yuba County | 7 | 40 | 2.9% |
| Amador County | 7 | 16 | 3.1% |
| Riverside County | 8 | 550 | 2.0% |
| Kern County | 8 | 251 | 2.8% |
| Fresno County | 8 | 176 | 2.1% |
| Tulare County | 8 | 115 | 2.7% |
| Kings County | 8 | 56 | 3.5% |
| Madera County | 8 | 52 | 2.3% |
| Colusa County | 8 | 4 | 2.7% |
| Calaveras County | 9 | 14 | 2.3% |
| Siskiyou County | 9 | 8 | 2.1% |
| Lassen County | 9 | 7 | 2.9% |
| San Diego County | 10 | 405 | 1.4% |
| San Bernardino County | 10 | 331 | 1.7% |
| Mariposa County | 10 | 3 | 2.1% |
| Humboldt County | 11 | 11 | 1.3% |
| San Benito County | 11 | 11 | 1.6% |
| Stanislaus County | 12 | 92 | 1.9% |
| Shasta County | 12 | 44 | 2.2% |
| San Luis Obispo County | 12 | 35 | 1.5% |
| Tehama County | 12 | 12 | 2.3% |
| Del Norte County | 12 | 3 | 1.7% |
| Plumas County | 12 | 3 | 1.6% |
| Santa Barbara County | 13 | 50 | 1.8% |
| Sutter County | 13 | 13 | 1.6% |
| Solano County | 14 | 78 | 1.6% |
- Freedom Mortgage Corporation nationwide
- California mortgage market
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- Freedom Mortgage Corporation in North Carolina
- Freedom Mortgage Corporation in Georgia
- Freedom Mortgage Corporation in Virginia
- Freedom Mortgage Corporation in Indiana
- Freedom Mortgage Corporation in Ohio
- Freedom Mortgage Corporation in Tennessee
- Freedom Mortgage Corporation in Maryland
- Freedom Mortgage Corporation in South Carolina
- Freedom Mortgage Corporation in Arizona
- Freedom Mortgage Corporation in Missouri
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology