A&D Mortgage in Texas vs the state
11.3%Denial rate-8.16 pts vs state
16.5%Decision denial rate-8.39 pts vs state
55.8%Origination rate+0.94 pts vs state
6.75%Median rate+0.25 pts vs state
0.48Rate spread (pts)+0.29 pts vs state
$148kMedian applicant income
1,050Loans originated
212Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 833 | 492 | 5.0% | 8.63% | #181 |
| 2024 | 1,211 | 603 | 10.7% | 7.88% | #142 |
| 2025 | 1,881 | 1,050 | 11.3% | 6.75% | #107 |
What A&D Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 446 | 247 | 52 | 11.7% |
| Dallas County | 208 | 111 | 25 | 12.0% |
| Tarrant County | 133 | 89 | 10 | 7.5% |
| Collin County | 121 | 72 | 16 | 13.2% |
| Fort Bend County | 91 | 58 | 10 | 11.0% |
| Travis County | 91 | 53 | 7 | 7.7% |
| Denton County | 78 | 46 | 11 | 14.1% |
| Bexar County | 78 | 33 | 7 | 9.0% |
| Montgomery County | 73 | 38 | 9 | 12.3% |
| Hidalgo County | 50 | 19 | 9 | 18.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 1,881 applications in 2025, of which 1,050 were originated and 212 denied.
11.3% of all applications, or 16.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans A&D Mortgage originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology