A&D Mortgage in Florida vs the state
9.5%Denial rate-11.55 pts vs state
13.5%Decision denial rate-13.78 pts vs state
60.0%Origination rate+7.33 pts vs state
6.99%Median rate+0.37 pts vs state
0.61Rate spread (pts)+0.34 pts vs state
$151kMedian applicant income
5,245Loans originated
831Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,616 | 2,924 | 6.3% | 8.49% | #48 |
| 2024 | 7,532 | 4,369 | 9.4% | 7.63% | #29 |
| 2025 | 8,739 | 5,245 | 9.5% | 6.99% | #23 |
What A&D Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 2,845 | 1,676 | 289 | 10.2% |
| Broward County | 1,555 | 933 | 141 | 9.1% |
| Palm Beach County | 717 | 436 | 58 | 8.1% |
| Orange County | 497 | 312 | 41 | 8.2% |
| Osceola County | 337 | 227 | 28 | 8.3% |
| Lee County | 310 | 174 | 33 | 10.6% |
| Polk County | 255 | 163 | 27 | 10.6% |
| Pinellas County | 231 | 145 | 21 | 9.1% |
| Hillsborough County | 231 | 119 | 28 | 12.1% |
| St. Lucie County | 150 | 99 | 9 | 6.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 8,739 applications in 2025, of which 5,245 were originated and 831 denied.
9.5% of all applications, or 13.5% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans A&D Mortgage originated in Florida in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are A&D Mortgage's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology