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Multifamily record
Freedom First Credit Union: multifamily loans made
Freedom First Credit Union, a credit union based in Roanoke, VA, made 34 multifamily loans in 2024 and 2025, $55M in all, in 1 state. The typical loan was about $900K, and the largest about $13M. Most were in Roanoke city, VA.
- Evidence
- Multifamily loans made in 2024 and 2025, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Multifamily loans
- 34
- HMDA,
- 2024 and 2025. Manufactured-home parks excluded
- Dollars
- $55.0M
- HMDA,
- Rounded amounts
- Typical loan
- $900K
- HMDA,
- Largest loan
- $13M
- HMDA,
- Rounded to 2 significant figures
- States
- 1
- HMDA,
Cite this
Source: The Lender Report, Freedom First Credit Union: multifamily loans made, https://lender.report/lender/freedom-first-credit-union-va/multifamily/, data as of December 31, 2025.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Roanoke city, VA | Purchase, 150 or more units | $6.6M | 7% | 3 yr | 64% | HMDA 2025 |
| 2025 | Roanoke city, VA | Cash-out refinance, 5 to 24 units | $3.9M | 6.5% | 10 yr | 64% | HMDA 2025 |
| 2025 | Roanoke city, VA | Improvement, 25 to 49 units | $3.4M | 6.55% | 10 yr | 90% | HMDA 2025 |
| 2025 | Henry County, VA | Refinance, 25 to 49 units | $2.3M | 7.15% | 10 yr | 55% | HMDA 2025 |
| 2025 | Danville city, VA | Cash-out refinance, 25 to 49 units | $1.6M | 6.75% | 10 yr | 77% | HMDA 2025 |
| 2025 | Roanoke city, VA | Cash-out refinance, 5 to 24 units | $1.5M | 6.75% | 10 yr | 74% | HMDA 2025 |
| 2025 | Roanoke city, VA | Purchase, 5 to 24 units | $1.3M | 6.5% | 10 yr | 71% | HMDA 2025 |
| 2025 | Roanoke city, VA | Purchase, 5 to 24 units | $1.2M | 6.25% | 10 yr | 86% | HMDA 2025 |
| 2025 | Campbell County, VA | Purchase, 5 to 24 units | $1M | 5.6% | 10 yr | 68% | HMDA 2025 |
| 2025 | Salem city, VA | Purchase, 5 to 24 units | $1M | 6.5% | 10 yr | 71% | HMDA 2025 |
| 2025 | Lynchburg city, VA | Purchase, 5 to 24 units | $900K | 6.15% | 10 yr | 73% | HMDA 2025 |
| 2025 | Lynchburg city, VA | Purchase, 5 to 24 units | $900K | 6.5% | 10 yr | 64% | HMDA 2025 |
| 2025 | Lynchburg city, VA | Purchase, 5 to 24 units | $900K | 6.5% | 10 yr | 64% | HMDA 2025 |
| 2025 | Lynchburg city, VA | Purchase, 5 to 24 units | $800K | 6.5% | 1 yr | 67% | HMDA 2025 |
| 2025 | Roanoke County, VA | Cash-out refinance, 25 to 49 units | $760K | 6.5% | 10 yr | 40% | HMDA 2025 |
| 2025 | Salem city, VA | Purchase, 5 to 24 units | $740K | 6.75% | 10 yr | 52% | HMDA 2025 |
| 2025 | Henry County, VA | Purchase, 5 to 24 units | $580K | 7.25% | 10 yr | 73% | HMDA 2025 |
| 2025 | Henry County, VA | Cash-out refinance, 5 to 24 units | $500K | 6.75% | 10 yr | 80% | HMDA 2025 |
| 2025 | Salem city, VA | Other purpose, 5 to 24 units | $500K | 7.5% | 2 yr | 29% | HMDA 2025 |
| 2025 | Virginia | Purchase, 5 to 24 units | $280K | 6.75% | 10 yr | 68% | HMDA 2025 |
| 2025 | Lynchburg city, VA | Cash-out refinance, 5 to 24 units | $260K | 6.75% | 10 yr | 63% | HMDA 2025 |
| 2025 | Roanoke city, VA | Purchase, 5 to 24 units | $260K | 7.5% | 10 yr | 78% | HMDA 2025 |
| 2025 | Roanoke County, VA | Cash-out refinance, 5 to 24 units | $260K | 7.25% | 10 yr | 54% | HMDA 2025 |
| 2025 | Lynchburg city, VA | Purchase, 5 to 24 units | $160K | 7.25% | 10 yr | 40% | HMDA 2025 |
| 2024 | Blacksburg-Christiansburg-Radford, VA | Refinance, 150 or more units | $13M | 7.6% | 15 yr | 44% | HMDA 2024 |
| 34 multifamily loans made in 2024 and 2025 | $55.0M | HMDA 2024 and 2025 | |||||
A blank means the source did not report it.
| Place | As named | Loans | Dollars |
|---|---|---|---|
| Roanoke city, VA | County | 8 | $18.6M |
| Lynchburg city, VA | County | 7 | $4.82M |
| Henry County, VA | County | 3 | $3.38M |
| Roanoke, VA | Metro area | 3 | $170K |
| Salem city, VA | County | 3 | $2.24M |
| Campbell County, VA | County | 2 | $1.64M |
| Danville city, VA | County | 2 | $2.90M |
| Roanoke County, VA | County | 2 | $1.02M |
| Virginia | State | 2 | $2.18M |
| Blacksburg-Christiansburg-Radford, VA | Metro area | 1 | $13.0M |
| Lynchburg, VA | Metro area | 1 | $5.00M |
A county is named only where the public file holds 5 or more multifamily loans there in the year; otherwise the metro area or the state is.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $1M | 20 | $9.95M |
| $1M to $2.5M | 9 | $13.1M |
| $2.5M to $5M | 2 | $7.30M |
| $5M to $10M | 2 | $11.6M |
| $10M or more | 1 | $13.0M |
| Year | Loans | Dollars | Typical loan |
|---|---|---|---|
| 2024 | 10 | $23.4M | $900K |
| 2025 | 24 | $31.6M | $900K |
| Purpose | Loans |
|---|---|
| Purchase | 18 |
| Refinance | 2 |
| Cash-out refinance | 9 |
| Improvement | 2 |
| Other purpose | 3 |
| Units | Loans |
|---|---|
| 5 to 24 units | 24 |
| 25 to 49 units | 6 |
| 50 to 99 units | 1 |
| 100 to 149 units | 1 |
| 150 or more units | 2 |
- Freedom First Credit Union made 34 multifamily loans totaling $55M in 2024 and 2025, in 11 named places across 1 state. HMDA,
- It made 24 of them in 2025 and 10 in 2024. HMDA,
- The typical loan was about $900K, with the middle half between $440K and $1.5M. HMDA,
- The largest was about $13M. Every amount is rounded to 2 significant figures. HMDA,
- 20 loans were under $1M, and 3 were $5M or more. HMDA,
- It reported a median rate of 7.00% on 34 loans, with the middle half between 6.50% and 7.50%. HMDA,
- The median term was 10 years. HMDA,
- The median loan to value was 68%. HMDA,
- 32% of the loans were refinancings and 53% were purchases. HMDA,
- The most common property size was 5 to 24 units, with 24 loans. HMDA,
- Its loans were most often in Roanoke city, VA (8), Lynchburg city, VA (7) and Henry County, VA (3). HMDA,
What we don't know
- Whether Freedom First Credit Union is taking new multifamily loans today.
- Its minimum or maximum loan, its fees and its other terms. HMDA reports the rate, term and loan to value, and this page shows what it reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
Place is a county only where the public file holds 5 or more multifamily loans of that year there, otherwise the metro area or the state. Amounts are rounded to 2 significant figures and HMDA has a year, never a date.
HMDA covers dwelling-secured loans. Manufactured-home parks are left out of every count.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.