Freedom Mortgage

Simplify how you make your monthly mortgage payment and manage your Freedom M…

Freedom Mortgage Corporation
Google Play rating4.6★40.7K ratings
PriceFreeListed price
Age4+Store age rating
CategoryFinance

What we found

Full report

Some warnings 1 confirmed warning. Checked: 400 reviews, the Android app’s code, the store listing and the privacy label.

Money

  • Free to download.

Privacy

Positives

From our automated analysis, 24 Oct 2026. Every label links to its evidence in the full report below.

This analysis describes version 2.1665.1 of the app (the version number recorded inside the package we inspected), analyzed 2026-10-24 .

The store currently lists version 2.1704.8, updated 2026-10-13.

Preview

Screenshot 1Screenshot 2Screenshot 3Screenshot 4Screenshot 5Screenshot 6

Store screenshots supplied by the developer.

About this app

Simplify how you make your monthly mortgage payment and manage your Freedom Mortgage home loan with our easy-to-use app.

APP FEATURES

• View your mortgage balance and current loan details

• Pay your bill and manage recurring payments

• Utilize the in-app help center for questions and tips

• Go paperless, view, and download important documents

• Stay in the know with push notifications

• Get notified when a new statement is available

• Never miss another opportunity to lower your rate

• Rest easy with built-in security features

• Log in with secure fingerprint or facial recognition

• 24/7 fraud monitoring

• Access protected by multifactor authentication

ACCOUNT SETUP

Freedom Mortgage offers you the option to make a one-time payment or set up recurring payments through our mobile app.…

From the developer’s store description.

For developers and the curious

The full report

The evidence, sources, measurements and versions behind every label above.

Findings and evidence

2 published · 1 shown, not confirmed

Things to watch for 1

Findings that met the published evidence standard.

Privacy disclosure does not match the app

Measured

The store privacy disclosure (2 entries) names no tracking or advertising use, but the package ships 1 advertising/tracking SDK: FullStory

Sources
The store privacy disclosure
Agreement
A measured fact from one deterministic, checkable source.
Where measured
From the Google Play privacy disclosure
Definition

Tracking or advertising SDKs are present in the package that the store's own privacy disclosure does not account for.

Open evidence

Positives 1

Specific evidence of a useful property, within the stated scope.

No advertising SDKs

Measured

No advertising or mediation SDK among the 1 SDK detected in the package

Sources
SDKs in the app package
Agreement
A measured fact from one deterministic, checkable source.
Where measured
Found in the Android app’s package
Definition

No advertising or mediation SDK of any kind was found in the package.

How we know

Package artefact

sha256:4f584b7a4c9d676ff936c96642ccf408f50f3b849a9ecc3472fb57d0df7f5d48

One source only — shown, not confirmed 1

Open observations that have not cleared the evidence bar.

Tracking and data collection concerns

One source only

Ships session-recording SDK (FullStory) that can replay on-screen activity

Sources
SDKs in the app package
Agreement
Only one kind of source so far. Shown, not counted.
Where measured
Found in the Android app’s package

This observation has not cleared the required evidence standard.

Definition

The app ships session-recording or a wide tracking stack, holds permissions that read personal data, or is reported by users to sell, leak or over-collect it. The evidence line says which of those was observed.

How we know

Package artefact

sha256:4f584b7a4c9d676ff936c96642ccf408f50f3b849a9ecc3472fb57d0df7f5d48

What reviewers report

400 reviews read · 0 review-based observations

No review-based observation is published in this assessment. That does not establish that reviewers had no problems.

Measurements

8 measured · 0 not assessed

“Not assessed” means we could not measure it. It is never a zero and never a pass.

From store data and reviews

Developer replies to reviews
Replies to at least 1 review in 20
Price in the store description
The store description doesn’t list prices (most don’t)
Cancelling, in the store description
The store description doesn’t say how to cancel (most don’t)
Themes reported by reviewers
No theme reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
65–79% five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.

In the app package we scanned

Android package 2.1665.1, scanned 24 Oct 2026. These describe that package, not the current store version.

Sensitive permissions
1–2 requested
Counted against a fixed list of eighteen sensitive Android permissions: sixteen runtime permissions, among them location, camera, microphone, contacts and SMS, and two the user must switch on in system settings, drawing over other apps and usage access. Requesting one is not itself a finding.
Analytics or tracking SDKs in the scanned package
1–2 found
Advertising SDKs in the scanned package
None found
Counted as distinct SDKs in the package we scanned. One mediation bundle can contribute several, so this is not a count of advertisers.
How we know

Supporting measurements: not a complete list of possible harms or positives. Measurement vocabulary 1.4 · how these are measured

Versions and dates analysed

Assessed 24 Oct 2026

This analysis describes version 2.1665.1 of the app (the version number recorded inside the package we inspected), analyzed 2026-10-24 .

The store currently lists version 2.1704.8, updated 2026-10-13.

Store update history

Each store’s release notes, as the developer wrote them. They are the developer’s words, not ours.

Google Play

Version 2.1704.8 · 2026-10-13

No release notes were provided for this version.

Assessment record

Status
Automated analysis
App identifier
freedom-mortgage
Assessment date
24 Oct 2026
Sources used
6 independent signals: user reviews, SDKs in the app package, the app's own on-screen text, the app manifest, the store listing and the store privacy disclosure
Reviews read
400
Package examined
Android · 2.1665.1 · scanned 24 Oct 2026
Human inspection
Not completed

Assessed 2026-10-24 from 400 user reviews, the app's package, the store listing and its privacy label.

How we know
Measurement vocabulary
1.4

How this page was produced

Analyzed 2026-10-24 Version analyzed: 2.1665.16 independent signals400 reviews scannedConfidence: HighNot human-reviewedVocabulary v1.13Methodology v1.3
Signals run: user reviews, SDKs in the app package, the app's own on-screen text, the app manifest, the store listing and the store privacy disclosure.

Store facts

Google Play

What the stores publish. Store ratings are the stores’ numbers, not Appworthy’s, and are never averaged across stores.

Google Play

Store rating
4.61 ★ · 40,663 ratings
Version
2.1704.8
Updated
13 Oct 2026
Price
Free
Age rating
4+
Size
Not supplied
Open in Google Play
Developer
Freedom Mortgage Corporation
Category
Finance
Listing price
Free

No itemized purchase list is available for this listing.

Method and limits

What this report can and cannot show

How the automated analysis works

This assessment is produced automatically. Six independent signals are read — user reviews, SDKs in the app package, the app's own on-screen text, the app manifest, the store listing and the store privacy disclosure — and each candidate finding is filed under the sources that support it.

No charge stands on one kind of evidence — with one published exception. A finding is either a measured fact that anyone can reproduce (an ad SDK is in the package; every subscription bills weekly; the privacy label omits a tracker we can see), or it is an interpretation — and an interpretation needs independent sources to agree before it reaches the catch list. The exception is a harm only users can see: a charge may publish from reviews alone, as “Reported by N users”, once enough reviewers raise it to clear that charge’s own published bar. That agreement rule is what replaced the human reviewer, not a model’s confidence.

There is no overall score, on purpose. A 0–99 number was published here until 2026-09-15. It was withdrawn because it discriminated too weakly to be the instrument — 44.7% of every pair of apps tied — and because a single number is a verdict where a count is an observation. What publishes instead is a row of measurements, each of which says what was counted and, where we could not look, says that instead.

Findings under One source only are real reports we do not stand behind as findings. They are shown because withholding them entirely would hide a genuine complaint, and labelled because publishing them as charges would be an accusation off a single source.

Limits of this report

  • A package scan is static. It identifies code and text in one Android build. It does not measure a live ad session, test a deletion request, or count the steps needed to cancel.
  • Reviews keep their sample. A review-only charge shows distinct reviewers, the share and the sample size, and is published only once it clears that label’s published threshold. Calibration labels are machine-drafted and not yet confirmed by a person.
  • Not assessed is a state. It is never a zero and never a pass.
  • A missing label is not a clean bill of health. It means the evidence did not support one, not that the app is problem-free.
Not yet human-reviewed. A hands-on test can confirm or contradict a finding and adds its own measurements; it does not change a measurement row. Hands-on inspections are not yet open.

Request a correction

[email protected]

Write to [email protected], or use the form. Name the finding, the app version and the evidence that needs correcting. Factual corrections are free and never depend on buying anything.