Lender in North Carolina · HMDA 2025
Freedom Mortgage Corporation mortgages in North Carolina
Freedom Mortgage Corporation's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Freedom Mortgage Corporation originated 4,280 owner-occupied single-family loans in North Carolina from 5,738 completed applications, making it the state's #8 lender by volume.
Its median conventional purchase loan costs were $6,560 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.875% (North Carolina: 6.50%).
Loans in NC
4,280
of 5,738 applications
Denial rate
8.8%
Purchase · NC 7.6%
Rate spread
+0.25 pts
Conv. · NC +0.04 pts
Loan amount
$315,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 866 | 786 | 8.8% | 6.875% | +0.25 pts | $6,560 | $315,000 |
| Refinance | 3,495 | 2,555 | 4.5% | 6.375% | +0.15 pts | $2,170 | $325,000 |
| Cash-out refinance | 1,377 | 939 | 28.0% | 7.250% | +0.95 pts | $8,400 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Freedom Mortgage Corporation ranks in the top 25
Showing the 30 counties where it ranks highest, of 89.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Harnett County | 2 | 216 | 5.4% |
| Cumberland County | 3 | 484 | 8.2% |
| Onslow County | 3 | 418 | 8.0% |
| Hoke County | 4 | 140 | 8.1% |
| Camden County | 4 | 18 | 6.5% |
| Duplin County | 4 | 14 | 4.0% |
| Caswell County | 4 | 8 | 4.9% |
| Rockingham County | 5 | 67 | 5.0% |
| Franklin County | 5 | 59 | 3.8% |
| Pender County | 5 | 59 | 4.3% |
| Pasquotank County | 5 | 35 | 4.2% |
| Robeson County | 5 | 31 | 4.9% |
| Currituck County | 5 | 28 | 3.8% |
| Granville County | 5 | 27 | 3.2% |
| Johnston County | 6 | 168 | 3.3% |
| Wayne County | 6 | 66 | 4.0% |
| Lee County | 6 | 36 | 3.1% |
| Caldwell County | 6 | 31 | 3.0% |
| Columbus County | 6 | 13 | 3.5% |
| Montgomery County | 6 | 10 | 3.7% |
| Scotland County | 6 | 9 | 3.3% |
| Bladen County | 6 | 8 | 4.3% |
| Hertford County | 6 | 6 | 6.4% |
| Graham County | 6 | 2 | 3.4% |
| Moore County | 7 | 97 | 4.2% |
| Stanly County | 7 | 30 | 2.6% |
| Wilson County | 7 | 29 | 3.0% |
| Halifax County | 7 | 6 | 2.5% |
| Chowan County | 7 | 5 | 2.9% |
| Rowan County | 8 | 57 | 2.4% |
- Freedom Mortgage Corporation nationwide
- North Carolina mortgage market
- Freedom Mortgage Corporation in Texas
- Freedom Mortgage Corporation in Florida
- Freedom Mortgage Corporation in Georgia
- Freedom Mortgage Corporation in California
- 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