A&D Mortgage in California vs the state
10.1%Denial rate-7.37 pts vs state
14.7%Decision denial rate-7.72 pts vs state
57.5%Origination rate+1.25 pts vs state
6.49%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.13 pts vs state
$184kMedian applicant income
1,446Loans originated
253Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 875 | 478 | 7.3% | 8.75% | #148 |
| 2024 | 1,265 | 506 | 11.7% | 8.13% | #134 |
| 2025 | 2,517 | 1,446 | 10.1% | 6.49% | #81 |
What A&D Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 639 | 348 | 67 | 10.5% |
| Orange County | 246 | 151 | 24 | 9.8% |
| Riverside County | 226 | 125 | 22 | 9.7% |
| San Diego County | 220 | 129 | 22 | 10.0% |
| San Bernardino County | 153 | 96 | 8 | 5.2% |
| Ventura County | 120 | 77 | 9 | 7.5% |
| Contra Costa County | 96 | 67 | 11 | 11.5% |
| Alameda County | 96 | 65 | 4 | 4.2% |
| Sacramento County | 82 | 45 | 7 | 8.5% |
| San Joaquin County | 72 | 32 | 7 | 9.7% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,517 applications in 2025, of which 1,446 were originated and 253 denied.
10.1% of all applications, or 14.7% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans A&D Mortgage originated in California in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are A&D Mortgage's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology