A&D Mortgage in New Jersey vs the state
10.4%Denial rate-7.32 pts vs state
15.9%Decision denial rate-7.17 pts vs state
54.0%Origination rate-1.69 pts vs state
6.88%Median rate+0.13 pts vs state
0.32Rate spread (pts)+0.03 pts vs state
$180kMedian applicant income
453Loans originated
87Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 473 | 278 | 7.0% | 8.88% | #99 |
| 2024 | 670 | 318 | 11.3% | 7.88% | #85 |
| 2025 | 839 | 453 | 10.4% | 6.88% | #75 |
What A&D Mortgage lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ocean County | 102 | 60 | 7 | 6.9% |
| Bergen County | 95 | 48 | 8 | 8.4% |
| Union County | 82 | 45 | 9 | 11.0% |
| Essex County | 75 | 32 | 7 | 9.3% |
| Monmouth County | 73 | 39 | 9 | 12.3% |
| Middlesex County | 71 | 44 | 4 | 5.6% |
| Hudson County | 66 | 34 | 9 | 13.6% |
| Passaic County | 42 | 25 | 8 | 19.0% |
| Mercer County | 35 | 22 | 3 | 8.6% |
| Burlington County | 30 | 19 | 3 | 10.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 839 applications in 2025, of which 453 were originated and 87 denied.
10.4% of all applications, or 15.9% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans A&D Mortgage originated in New Jersey in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are A&D Mortgage's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology