A&D Mortgage in Georgia vs the state
8.2%Denial rate-11.03 pts vs state
11.4%Decision denial rate-13.63 pts vs state
62.2%Origination rate+8.13 pts vs state
6.50%Median rate-0.13 pts vs state
0.10Rate spread (pts)-0.17 pts vs state
$139kMedian applicant income
471Loans originated
62Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 290 | 125 | 11.4% | 8.63% | #179 |
| 2024 | 315 | 138 | 12.4% | 7.93% | #187 |
| 2025 | 757 | 471 | 8.2% | 6.50% | #114 |
What A&D Mortgage lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 123 | 69 | 13 | 10.6% |
| Gwinnett County | 103 | 63 | 6 | 5.8% |
| Cobb County | 66 | 50 | 1 | 1.5% |
| DeKalb County | 59 | 38 | 3 | 5.1% |
| Chatham County | 31 | 22 | 1 | 3.2% |
| Cherokee County | 22 | 13 | 2 | 9.1% |
| Forsyth County | 22 | 14 | 2 | 9.1% |
| Henry County | 18 | 9 | 2 | 11.1% |
| Clayton County | 17 | 12 | 1 | 5.9% |
| Effingham County | 17 | 14 | 1 | 5.9% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 757 applications in 2025, of which 471 were originated and 62 denied.
8.2% of all applications, or 11.4% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans A&D Mortgage originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are A&D Mortgage's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology