A&D Mortgage in North Carolina vs the state
6.1%Denial rate-12.01 pts vs state
8.3%Decision denial rate-14.52 pts vs state
66.3%Origination rate+8.51 pts vs state
6.75%Median rate+0.25 pts vs state
0.24Rate spread (pts)+0.15 pts vs state
$146kMedian applicant income
252Loans originated
23Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 103 | 69 | 2.9% | 8.99% | #284 |
| 2024 | 261 | 137 | 14.2% | 7.75% | #195 |
| 2025 | 380 | 252 | 6.1% | 6.75% | #163 |
What A&D Mortgage lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 63 | 49 | 1 | 1.6% |
| Mecklenburg County | 40 | 24 | 3 | 7.5% |
| Forsyth County | 32 | 26 | 1 | 3.1% |
| Guilford County | 26 | 19 | 1 | 3.8% |
| Union County | 17 | 11 | 2 | 11.8% |
| Durham County | 14 | 7 | 0 | 0.0% |
| Brunswick County | 13 | 11 | 1 | 7.7% |
| Johnston County | 13 | 9 | 1 | 7.7% |
| Buncombe County | 9 | 5 | 0 | 0.0% |
| Iredell County | 8 | 4 | 1 | 12.5% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 380 applications in 2025, of which 252 were originated and 23 denied.
6.1% of all applications, or 8.3% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans A&D Mortgage originated in North Carolina in 2025 was 6.75%, against a statewide median of 6.50%.
About this data. Figures are A&D Mortgage's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology