Applications / Mortgage Analytics / Lenders / Virginia / The Freedom Bank of Virginia
Fairfax, VA · State member bank · FRS · $1.1 billion assets · 279 loans in 2025
The Freedom Bank of Virginia's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
279
loans originated, 2025
318
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Freedom Bank of Virginia makes far bigger loans than banks its size: its typical loan in 2025 was $475,000, against $185,000 at similar lenders.
Nine in ten of its loans paid for a home. Its typical loan was larger than at almost every similar lender, meaning state member banks making between half and twice as many loans. Its $152.0 million of lending was about double the $73.5 million of the typical similar lender. It ranks 93 of 757 lenders in the Washington metro area. Its loan count fell 9% in 2025 while similar lenders grew 7%.
Loans insured by the Federal Housing Administration (FHA) made up 12.5% of its lending, and loans guaranteed by the Department of Veterans Affairs (VA) 12.2%. The typical similar lender made none of either. Its conventional share, 75.3%, was lower than at nearly all of them.
Its typical rate was 6.25%, against 6.75% at similar lenders, lower than about nineteen in twenty of them. None of its loans was higher-priced, meaning a rate well above the average for similar loans.
Majority-minority neighborhoods took 34.4% of its loans, against 4.9% at similar lenders, more than nine in ten of them. Its share of loans in low- and moderate-income neighborhoods, 20.1%, was also above the 16.2% of similar lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Freedom Bank of Virginia took 318 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.0% · Refinance 10.0%
Conventional 75.3% · FHA 12.5% · VA 12.2% · of 279 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 223 | 79.9% |
| Maryland | 24 | 8.6% |
| North Carolina | 9 | 3.2% |
| District of Columbia | 7 | 2.5% |
| Florida | 3 | 1.1% |
| Colorado | 2 | 0.7% |
| West Virginia | 2 | 0.7% |
| Alabama | 1 | 0.4% |
| California | 1 | 0.4% |
| Georgia | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 186 |
| Frederick-Gaithersburg-Bethesda | 15 |
| Washington | 12 |
| Richmond | 8 |
| Baltimore-Columbia-Towson | 4 |
| Winchester | 3 |
| Charlotte-Concord-Gastonia | 2 |
| Charlottesville | 2 |
| Wilmington | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005H0NK3SWWY4384 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3019982 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 23019982 | 2003–2017 |
Established 23 July 2001. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: The Freedom Bank of Virginia's data.
The Freedom Bank of Virginia's data
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The Freedom Bank of Virginia and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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