A + 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 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st1.5% deniedPricingmedian rate spread over APOR, weight 30%
66th0.15 ptsProcesswithdrawn + incomplete share, weight 15%
69th7.6%Closing coststotal loan costs ÷ loan amount, weight 10%
89th0.85% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 545 | 520 | 1.1% | 1.1% | 6.75% | $159M |
| 2024 | 630 | 578 | 2.1% | 2.2% | 6.63% | $201M |
| 2025 | 852 | 775 | 1.4% | 1.5% | 6.63% | $270M |
What A + 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, 46 investment properties.
Why A + Mortgage Services denies applications
Primary reason reported for each of the 12 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at A + 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 | 260 | 237 | 1.3% |
| $100k – $150k | 232 | 207 | 1.0% |
| $150k – $250k | 208 | 195 | 1.0% |
| Over $250k | 123 | 111 | 2.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 43 | 39 | 7.1% |
| 25–34 | 314 | 282 | 0.4% |
| 35–44 | 226 | 207 | 1.4% |
| 45–54 | 128 | 118 | 0.8% |
| 55–64 | 86 | 77 | 3.8% |
| 65–74 | 40 | 38 | 2.6% |
Where A + Mortgage Services lends
2 states and 35 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wisconsin | 848 | 771 | 1.4% | 6.63% | #60 |
Frequently asked questions
A + Mortgage Services denied 1.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of small mortgage lenders.
The most common reason A + Mortgage Services gave in 2025 was "collateral", cited on 33.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans A + Mortgage Services originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.15 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 77% of its applications were for home purchases, 20% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 92% conventional, 4% FHA, 4% 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.