American Bank of Freedom at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
69th2.0% deniedPricingmedian rate spread over APOR, weight 30%
5th2.69 ptsProcesswithdrawn + incomplete share, weight 15%
62nd3.2%Closing coststotal loan costs ÷ loan amount, weight 10%
100th0.57% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 202 | 190 | 1.5% | 1.6% | 9.00% | $119M |
| 2024 | 183 | 174 | 1.6% | 1.7% | 9.25% | $65M |
| 2025 | 155 | 145 | 1.9% | 2.0% | 8.00% | $94M |
What American Bank of Freedom lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 152 investment properties.
Why American Bank of Freedom denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Where American Bank of Freedom lends
4 states and 16 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
American Bank of Freedom denied 2.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 69th percentile of investment-property lenders.
The most common reason American Bank of Freedom gave in 2025 was "debt-to-income ratio", cited on 66.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans American Bank of Freedom originated in 2025 was 8.00%, and its median rate spread over the average prime offer rate was 2.69 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 79% of its applications were for home purchases, 20% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.