A&D Mortgage in Alabama vs the state
12.4%Denial rate-7.43 pts vs state
17.8%Decision denial rate-7.24 pts vs state
56.2%Origination rate+0.82 pts vs state
6.38%Median rate-0.13 pts vs state
0.16Rate spread (pts)-0.13 pts vs state
$105kMedian applicant income
86Loans originated
19Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 28 | 7.0% | 8.31% | #294 |
| 2024 | 90 | 46 | 12.2% | 7.88% | #227 |
| 2025 | 153 | 86 | 12.4% | 6.38% | #180 |
What A&D Mortgage lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 36 | 11 | 8 | 22.2% |
| Monroe County | 17 | 16 | 0 | 0.0% |
| Jefferson County | 15 | 9 | 0 | 0.0% |
| Baldwin County | 15 | 8 | 3 | 20.0% |
| Lee County | 10 | 8 | 1 | 10.0% |
| Montgomery County | 8 | 2 | 0 | 0.0% |
| Tuscaloosa County | 6 | 5 | 1 | 16.7% |
| Madison County | 5 | 2 | 1 | 20.0% |
| Shelby County | 4 | 3 | 0 | 0.0% |
| Coffee County | 4 | 2 | 1 | 25.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 153 applications in 2025, of which 86 were originated and 19 denied.
12.4% of all applications, or 17.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans A&D Mortgage originated in Alabama in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are A&D Mortgage's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology