Freedom Credit Uniton
Warminster, PA · What the federal mortgage record shows about how Freedom Credit Uniton treated New Jersey applicants, 2018–2025 — 202 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 202 New Jersey applications Freedom Credit Uniton approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Freedom Credit Uniton’s rates ran -0.08 pp lower than the typical New Jersey lender (average rate spread +0.15 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Freedom Credit Uniton approves
Why Freedom Credit Uniton denied applications
Where Freedom Credit Uniton lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Camden County | 54 | 96.3% |
| Cape May County | 46 | 95.7% |
| Burlington County | 29 | 100.0% |
| Gloucester County | 25 | 100.0% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Freedom Credit Uniton’s home-purchase originations — 0.43 points lower than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Freedom Credit Uniton to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Freedom Credit Uniton (LEI 549300JNYMHRVCGKK706). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →