A&D Mortgage in Pennsylvania vs the state
8.3%Denial rate-10.00 pts vs state
12.1%Decision denial rate-10.15 pts vs state
58.6%Origination rate-2.41 pts vs state
6.99%Median rate+0.37 pts vs state
0.38Rate spread (pts)+0.14 pts vs state
$120kMedian applicant income
339Loans originated
48Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 282 | 160 | 6.4% | 8.99% | #221 |
| 2024 | 330 | 141 | 13.3% | 7.88% | #197 |
| 2025 | 579 | 339 | 8.3% | 6.99% | #141 |
What A&D Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 139 | 71 | 13 | 9.4% |
| Bucks County | 59 | 39 | 3 | 5.1% |
| Allegheny County | 57 | 39 | 4 | 7.0% |
| Montgomery County | 44 | 29 | 2 | 4.5% |
| Monroe County | 24 | 12 | 3 | 12.5% |
| Delaware County | 20 | 11 | 3 | 15.0% |
| Luzerne County | 19 | 11 | 1 | 5.3% |
| Blair County | 17 | 12 | 0 | 0.0% |
| Dauphin County | 16 | 11 | 0 | 0.0% |
| Chester County | 16 | 8 | 2 | 12.5% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 579 applications in 2025, of which 339 were originated and 48 denied.
8.3% of all applications, or 12.1% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans A&D Mortgage originated in Pennsylvania in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are A&D Mortgage's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology