Freedom Bank Of Virginia: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Freedom Bank Of Virginia (FDIC Cert #57184) at 81/100 for bank stress — a severe level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

County by county, that footprint includes Fairfax County, VA, Prince William County, VA, among others DLRadar tracks parcel by parcel. DLRadar maps Freedom Bank Of Virginia into 3 counties (68 ZIP codes) across 1 states — a compact, single-state lending base. Its heaviest exposure sits in Virginia (3 counties). The combination of a severe reading and a compact footprint is what makes Freedom Bank Of Virginia worth watching as a supply signal. DLRadar does not model Freedom Bank Of Virginia in isolation: the 68-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 3 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Because Freedom Bank Of Virginia is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 81/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Freedom Bank Of Virginia is held under Freedom Financial Holdings Inc, so its disclosures are public and its stress trajectory is externally verifiable. Freedom Bank Of Virginia's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade.

For buyers, lender stress is an early map of supply: when Freedom Bank Of Virginia pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.