A&D Mortgage in Arizona vs the state
3.9%Denial rate-12.33 pts vs state
5.3%Decision denial rate-15.08 pts vs state
68.0%Origination rate+8.49 pts vs state
6.49%Median rate-0.01 pts vs state
0.10Rate spread (pts)-0.12 pts vs state
$139kMedian applicant income
471Loans originated
27Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 139 | 74 | 3.6% | 8.25% | #193 |
| 2024 | 259 | 118 | 12.7% | 7.99% | #146 |
| 2025 | 693 | 471 | 3.9% | 6.49% | #91 |
What A&D Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 419 | 283 | 16 | 3.8% |
| Mohave County | 103 | 74 | 4 | 3.9% |
| Pima County | 69 | 48 | 4 | 5.8% |
| Pinal County | 47 | 31 | 2 | 4.3% |
| Yavapai County | 15 | 10 | 0 | 0.0% |
| Navajo County | 10 | 8 | 0 | 0.0% |
| Yuma County | 10 | 6 | 0 | 0.0% |
| Coconino County | 8 | 7 | 0 | 0.0% |
| Gila County | 4 | 2 | 0 | 0.0% |
| Cochise County | 4 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 693 applications in 2025, of which 471 were originated and 27 denied.
3.9% of all applications, or 5.3% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans A&D Mortgage originated in Arizona in 2025 was 6.49%, against a statewide median of 6.50%.
About this data. Figures are A&D Mortgage's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology