A&D Mortgage in Michigan vs the state
8.6%Denial rate-9.91 pts vs state
11.9%Decision denial rate-10.66 pts vs state
61.7%Origination rate+1.83 pts vs state
6.63%Median rate-0.13 pts vs state
0.32Rate spread (pts)-0.08 pts vs state
$123kMedian applicant income
129Loans originated
18Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 42 | 25 | 2.4% | 9.13% | #349 |
| 2024 | 77 | 32 | 13.0% | 8.43% | #298 |
| 2025 | 209 | 129 | 8.6% | 6.63% | #203 |
What A&D Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oakland County | 55 | 36 | 4 | 7.3% |
| Wayne County | 33 | 10 | 2 | 6.1% |
| Macomb County | 22 | 14 | 4 | 18.2% |
| Kent County | 14 | 12 | 0 | 0.0% |
| Washtenaw County | 11 | 9 | 0 | 0.0% |
| Livingston County | 7 | 5 | 0 | 0.0% |
| Calhoun County | 6 | 5 | 0 | 0.0% |
| Kalamazoo County | 6 | 3 | 1 | 16.7% |
| Ingham County | 5 | 3 | 1 | 20.0% |
| Ottawa County | 5 | 4 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 209 applications in 2025, of which 129 were originated and 18 denied.
8.6% of all applications, or 11.9% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans A&D Mortgage originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are A&D Mortgage's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology