A&D Mortgage in Maryland vs the state
12.8%Denial rate-6.03 pts vs state
17.4%Decision denial rate-6.77 pts vs state
60.2%Origination rate+4.47 pts vs state
6.63%Median rate0.00 pts vs state
0.21Rate spread (pts)-0.04 pts vs state
$142kMedian applicant income
198Loans originated
42Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 129 | 74 | 3.9% | 8.49% | #184 |
| 2024 | 242 | 124 | 15.7% | 7.88% | #129 |
| 2025 | 329 | 198 | 12.8% | 6.63% | #118 |
What A&D Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 89 | 57 | 9 | 10.1% |
| Prince George's County | 62 | 37 | 6 | 9.7% |
| Anne Arundel County | 32 | 21 | 2 | 6.3% |
| Baltimore city | 29 | 8 | 11 | 37.9% |
| Howard County | 22 | 13 | 4 | 18.2% |
| Baltimore County | 20 | 12 | 2 | 10.0% |
| Frederick County | 15 | 10 | 3 | 20.0% |
| Washington County | 10 | 4 | 0 | 0.0% |
| Worcester County | 9 | 6 | 0 | 0.0% |
| Harford County | 8 | 4 | 2 | 25.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 329 applications in 2025, of which 198 were originated and 42 denied.
12.8% of all applications, or 17.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans A&D Mortgage originated in Maryland in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are A&D Mortgage's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology