A & N Mortgage Services at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
99th0.0% deniedPricingmedian rate spread over APOR, weight 30%
60th0.20 ptsProcesswithdrawn + incomplete share, weight 15%
99th0.1%Closing coststotal loan costs ÷ loan amount, weight 10%
72nd1.75% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,136 | 1,136 | 0.0% | 0.0% | 6.75% | $402M |
| 2024 | 1,335 | 1,335 | 0.0% | 0.0% | 6.75% | $483M |
| 2025 | 1,484 | 1,483 | 0.0% | 0.0% | 6.63% | $600M |
What A & N Mortgage Services lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 72 investment properties.
Who gets approved at A & N Mortgage Services
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 334 | 334 | 0.0% |
| $100k – $150k | 365 | 364 | 0.0% |
| $150k – $250k | 443 | 443 | 0.0% |
| Over $250k | 322 | 322 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 48 | 48 | 0.0% |
| 25–34 | 660 | 659 | 0.0% |
| 35–44 | 442 | 442 | 0.0% |
| 45–54 | 170 | 170 | 0.0% |
| 55–64 | 114 | 114 | 0.0% |
| 65–74 | 38 | 38 | 0.0% |
Where A & N Mortgage Services lends
16 states and 90 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
A & N Mortgage Services denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 99th percentile of mid-size mortgage lenders.
The median interest rate on loans A & N Mortgage Services originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.20 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 82% of its applications were for home purchases, 18% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 94% conventional, 4% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.