A&D Mortgage in Minnesota vs the state
3.0%Denial rate-10.57 pts vs state
3.6%Decision denial rate-12.77 pts vs state
80.9%Origination rate+14.54 pts vs state
6.49%Median rate-0.13 pts vs state
0.11Rate spread (pts)-0.14 pts vs state
$128kMedian applicant income
267Loans originated
10Denied
What A&D Mortgage lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 84 | 70 | 0 | 0.0% |
| Dakota County | 27 | 19 | 1 | 3.7% |
| Anoka County | 19 | 14 | 2 | 10.5% |
| Scott County | 19 | 18 | 1 | 5.3% |
| Wright County | 18 | 13 | 1 | 5.6% |
| Ramsey County | 17 | 13 | 1 | 5.9% |
| Carver County | 16 | 13 | 1 | 6.3% |
| Washington County | 15 | 14 | 1 | 6.7% |
| Kandiyohi County | 13 | 13 | 0 | 0.0% |
| Sherburne County | 12 | 12 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 330 applications in 2025, of which 267 were originated and 10 denied.
3.0% of all applications, or 3.6% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans A&D Mortgage originated in Minnesota 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 Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology