Freedom Mortgage lender report: reviews and complaint record
Freedom Mortgage specializes in government-backed loans and can offer competitive interest rates, but prospective borrowers should be aware of significant concerns. Despite responding to 99.4% of CFPB complaints on time, 0% were closed with relief, and the company has faced multiple regulatory actions for issues including inaccurate data reporting and harassing sales calls. Borrowers often report challenges with servicing communication and higher-than-average origination fees.
Borrowers filed 1,464 mortgage complaints against Freedom Mortgage Company with the Consumer Financial Protection Bureau in the 12 months since 2025-08-19, most commonly about trouble during payment process (52.2% of complaints). 99.4% received a timely response. Complaint volume tracks servicing portfolio size, so compare the mix of issues rather than raw totals.
What works well: Freedom Mortgage specializes in government-backed FHA and VA loans, which can be advantageous for borrowers with specific needs. Data from the Home Mortgage Disclosure Act (HMDA) suggests that Freedom Mortgage often provides competitive interest rates compared to industry averages. The company responded to 99.4% of CFPB complaints on time, demonstrating timely engagement with reported issues.
What to watch: None of the CFPB mortgage complaints against Freedom Mortgage were closed with relief (0%), indicating a lack of satisfactory resolution for borrowers. The company has been identified by the CFPB as a 'repeat offender' for submitting inaccurate mortgage loan data, leading to a proposed $3.95 million penalty. Borrowers frequently cite difficulty reaching consistent, knowledgeable representatives, long hold times, and slow response times for servicing issues.
Educational only — not financial advice, and not an endorsement of any lender.