A&D Mortgage in Ohio vs the state
8.8%Denial rate-8.85 pts vs state
12.4%Decision denial rate-9.53 pts vs state
62.2%Origination rate+2.25 pts vs state
6.75%Median rate-0.13 pts vs state
0.26Rate spread (pts)-0.13 pts vs state
$112kMedian applicant income
225Loans originated
32Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 41 | 8.3% | 9.63% | #343 |
| 2024 | 153 | 73 | 12.4% | 7.75% | #255 |
| 2025 | 362 | 225 | 8.8% | 6.75% | #175 |
What A&D Mortgage lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 90 | 50 | 8 | 8.9% |
| Franklin County | 70 | 38 | 9 | 12.9% |
| Hamilton County | 27 | 21 | 2 | 7.4% |
| Lorain County | 22 | 16 | 2 | 9.1% |
| Montgomery County | 19 | 12 | 1 | 5.3% |
| Warren County | 11 | 6 | 3 | 27.3% |
| Summit County | 11 | 5 | 1 | 9.1% |
| Lucas County | 10 | 5 | 0 | 0.0% |
| Delaware County | 8 | 6 | 0 | 0.0% |
| Lake County | 8 | 5 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 362 applications in 2025, of which 225 were originated and 32 denied.
8.8% of all applications, or 12.4% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans A&D Mortgage originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are A&D Mortgage's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology