Lender in Michigan · HMDA 2025
Freedom Mortgage Corporation mortgages in Michigan
Freedom Mortgage Corporation's 2025 home-purchase and refinance lending in Michigan, compared with all lenders in the state.
Freedom Mortgage Corporation originated 1,418 owner-occupied single-family loans in Michigan from 2,016 completed applications, making it the state's #15 lender by volume.
Loans in MI
1,418
of 2,016 applications
Denial rate
12.5%
Purchase · MI 7.8%
Rate spread
—
Conv. · MI +0.23 pts
Loan amount
$235,000
Purchase · MI $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 80 | 70 | 12.5% | — | — | — | $235,000 |
| Refinance | 1,134 | 825 | 5.8% | — | +0.20 pts | $1,850 | $245,000 |
| Cash-out refinance | 802 | 523 | 30.9% | 7.375% | +1.14 pts | $7,640 | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Michigan counties where Freedom Mortgage Corporation ranks in the top 25
Showing the 30 counties where it ranks highest, of 62.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Crawford County | 7 | 5 | 2.8% |
| Lake County | 7 | 5 | 3.5% |
| Iron County | 7 | 2 | 1.4% |
| Gladwin County | 8 | 10 | 2.9% |
| Delta County | 8 | 5 | 2.7% |
| Lenawee County | 9 | 29 | 2.3% |
| Chippewa County | 9 | 7 | 3.3% |
| Menominee County | 10 | 6 | 3.1% |
| Shiawassee County | 11 | 19 | 1.8% |
| Alpena County | 11 | 4 | 1.8% |
| Charlevoix County | 11 | 4 | 1.7% |
| Luce County | 11 | 1 | 2.6% |
| Monroe County | 12 | 38 | 1.6% |
| Lapeer County | 12 | 24 | 1.9% |
| Midland County | 12 | 21 | 1.9% |
| Dickinson County | 12 | 5 | 2.2% |
| Mason County | 12 | 5 | 1.6% |
| St. Joseph County | 13 | 17 | 2.2% |
| Branch County | 13 | 10 | 2.1% |
| Clare County | 13 | 9 | 2.1% |
| Huron County | 13 | 4 | 1.4% |
| Gogebic County | 13 | 3 | 1.8% |
| Houghton County | 13 | 3 | 0.9% |
| Ogemaw County | 13 | 3 | 1.3% |
| Schoolcraft County | 13 | 1 | 2.4% |
| Muskegon County | 14 | 43 | 1.5% |
| Montcalm County | 14 | 21 | 2.2% |
| Hillsdale County | 14 | 6 | 1.2% |
| Oceana County | 14 | 4 | 1.4% |
| Oscoda County | 14 | 2 | 2.2% |
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology