A&D Mortgage LLC: 2025 mortgage rates, costs & approvals
How A&D Mortgage LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: A&D Mortgage LLC · LEI 2549005SIVTHG14U2905
In 2025, A&D Mortgage LLC originated 8,252 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 49 states — 71st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 19 basis points above the national median. Median conventional loan costs were $9,560, 72% higher than the national median ($5,570).
It denied 8.6% of completed home-purchase applications (all lenders: 8.5%).
How A&D Mortgage LLC priced home-purchase loans
| Purchase loans, 2025 | A&D Mortgage LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.125% | 6.250% |
| 30-year fixed rate · VA | 5.990% | 6.125% |
| 15-year fixed rate · conventional | 5.490% | 5.875% |
| Rate spread vs. APOR · conventional | +0.32 pts | +0.13 pts |
| Total loan costs · conventional | $9,560 | $5,570 |
| Total loan costs · FHA | $12,750 | $11,310 |
| Total loan costs · VA | $4,570 | $6,490 |
| Origination charges (all types) | $5,200 | $1,860 |
| Borrowers paying discount points | 50.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.62% | 0.87% |
| Borrowers receiving lender credits | 41.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why A&D Mortgage LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where A&D Mortgage LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Florida | 2,213 | 2,527 | 10.6% | 6.875% | $12,280 |
| California | 1,102 | 1,230 | 7.8% | 6.625% | $9,750 |
| Texas | 596 | 692 | 11.1% | 6.750% | $10,970 |
| Illinois | 454 | 508 | 8.5% | 6.625% | $7,260 |
| New York | 372 | 438 | 11.6% | 6.750% | $17,110 |
| Arizona | 356 | 374 | 2.5% | 6.490% | $7,210 |
| Georgia | 318 | 343 | 5.5% | 6.500% | $7,980 |
| New Jersey | 256 | 294 | 11.4% | 6.750% | $14,080 |
| Minnesota | 250 | 258 | 2.8% | 6.625% | $5,750 |
| South Carolina | 219 | 226 | 3.8% | 6.625% | $5,100 |
| Pennsylvania | 196 | 217 | 4.5% | 6.750% | $9,470 |
| Virginia | 166 | 183 | 8.9% | 6.500% | $9,400 |
| Oregon | 164 | 174 | 5.2% | 6.500% | $6,700 |
| North Carolina | 147 | 151 | 1.8% | 6.625% | $5,410 |
| Maryland | 134 | 154 | 14.3% | 6.625% | $9,480 |
| Tennessee | 121 | 134 | 9.3% | 6.375% | $9,620 |
| Ohio | 116 | 125 | 5.0% | 6.625% | $6,140 |
| Washington | 113 | 126 | 8.2% | 6.500% | $8,240 |
| Michigan | 100 | 108 | 8.3% | 6.625% | $3,810 |
| Nevada | 88 | 99 | 5.6% | 6.625% | $8,050 |
| Wisconsin | 87 | 91 | 4.3% | 6.500% | $3,070 |
| Colorado | 81 | 90 | 11.1% | 6.375% | $7,840 |
| Kentucky | 79 | 87 | 10.8% | 6.750% | $4,830 |
| Indiana | 77 | 80 | 3.1% | 6.875% | $4,420 |
| Connecticut | 75 | 87 | 14.5% | 6.875% | $9,640 |
| Alabama | 58 | 71 | 15.4% | — | — |
| Missouri | 45 | 45 | 0.0% | 6.625% | $4,120 |
| Idaho | 35 | 36 | 4.0% | 6.625% | $7,330 |
| Utah | 34 | 41 | — | — | — |
| North Dakota | 29 | 31 | 3.6% | — | — |
| Kansas | 28 | 29 | — | — | — |
| New Mexico | 19 | 22 | — | — | — |
| New Hampshire | 17 | 20 | — | — | — |
| West Virginia | 13 | 13 | — | — | — |
| Oklahoma | 11 | 14 | — | — | — |
| District of Columbia | 8 | 10 | — | — | — |
| Mississippi | 8 | 10 | — | — | — |
| Nebraska | 8 | 9 | — | — | — |
| Delaware | 7 | 8 | — | — | — |
| Iowa | 7 | 8 | — | — | — |
| Louisiana | 7 | 8 | — | — | — |
| Montana | 7 | 8 | — | — | — |
| South Dakota | 7 | 8 | — | — | — |
| Wyoming | 7 | 7 | — | — | — |
| Rhode Island | 6 | 6 | — | — | — |
| Arkansas | 5 | 5 | — | — | — |
| Alaska | 2 | 2 | — | — | — |
| Maine | 2 | 2 | — | — | — |
| Vermont | 2 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open A&D Mortgage LLC's page for that state.
Counties where A&D Mortgage LLC is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Monroe County, AL | 2 | 16 | 12.2% |
| Burke County, ND | 2 | 1 | 8.3% |
| Yellow Medicine County, MN | 4 | 5 | 5.8% |
| Kimble County, TX | 5 | 1 | 4.2% |
| Miami-Dade County, FL | 4 | 716 | 4.0% |
| Mountrail County, ND | 7 | 2 | 3.1% |
| Grundy County, MO | 8 | 3 | 2.9% |
| Kandiyohi County, MN | 9 | 12 | 2.6% |
| Lexington city, VA | 5 | 1 | 2.5% |
| Broward County, FL | 7 | 418 | 2.3% |
| Towns County, GA | 10 | 4 | 2.1% |
| Conecuh County, AL | 11 | 1 | 1.9% |
| Chippewa County, MN | 11 | 2 | 1.9% |
| Hood River County, OR | 14 | 3 | 1.7% |
| Kit Carson County, CO | 13 | 1 | 1.6% |
Check A&D Mortgage LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 2549005SIVTHG14U2905.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from A&D Mortgage LLC with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology