Purchase Originations
5,842
Ranked #81 nationally
Median Total Costs
$10,079
+50.9% vs national ($6,680)
↓ $3,513 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.750% vs prior year
Median Origination
$5,180
Median Lender Credits
$1,856
Cost Rank (500+ vol.)
#550
among lenders with 500+ originations
Denial Rate
8.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,204 | 6.625% | $9,640 | $5,599 |
| fha | 599 | 6.125% | $12,707 | $2,043 |
| va | 39 | 5.990% | $4,566 | $795 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 1,713 | 6.750% | $12,616 | #24 |
| California | 604 | 6.490% | $10,621 | #67 |
| Texas | 433 | 6.625% | $11,327 | #123 |
| Illinois | 314 | 6.625% | $7,444 | #65 |
| New York | 303 | 6.750% | $17,236 | #66 |
| Georgia | 236 | 6.375% | $8,888 | #86 |
| Arizona | 228 | 6.375% | $8,323 | #63 |
| New Jersey | 187 | 6.625% | $14,407 | #69 |
| South Carolina | 177 | 6.490% | $5,674 | #84 |
| Minnesota | 143 | 6.490% | $6,017 | #77 |
| Oregon | 129 | 6.490% | $7,618 | #62 |
| Pennsylvania | 127 | 6.490% | $9,561 | #142 |
| Virginia | 112 | 6.490% | $9,500 | #119 |
| North Carolina | 108 | 6.562% | $6,029 | #147 |
| Tennessee | 101 | 6.375% | $9,989 | #126 |
| Maryland | 100 | 6.500% | $10,436 | #99 |
| Ohio | 91 | 6.625% | $7,266 | #144 |
| Michigan | 68 | 6.625% | $3,960 | #135 |
| Washington | 68 | 6.375% | $8,564 | #135 |
| Nevada | 67 | 6.625% | $9,346 | #77 |
| Kentucky | 66 | 6.625% | $4,979 | #101 |
| Indiana | 60 | 6.688% | $6,553 | #161 |
| Connecticut | 50 | 6.688% | $9,723 | #75 |
| Alabama | 43 | 5.990% | $7,357 | — |
| Colorado | 42 | 6.375% | $7,883 | — |
| Wisconsin | 42 | 6.433% | $3,081 | — |
| Missouri | 25 | 6.625% | $4,528 | — |
| North Dakota | 24 | 6.312% | $6,579 | — |
| Idaho | 23 | 6.625% | $7,331 | — |
| VI | 20 | 6.625% | $9,264 | — |
| Kansas | 17 | 6.490% | $3,236 | — |
| New Mexico | 17 | 6.750% | $4,722 | — |
| New Hampshire | 14 | 6.375% | $10,232 | — |
| Utah | 14 | 6.312% | $9,676 | — |
| West Virginia | 14 | 5.990% | $6,660 | — |
| District of Columbia | 7 | 6.375% | $13,505 | — |
| Delaware | 7 | 6.490% | $7,147 | — |
| Iowa | 6 | 5.933% | $9,375 | — |
| Oklahoma | 6 | 7.120% | $9,571 | — |
| Montana | 5 | 6.250% | $6,259 | — |
| Nebraska | 5 | 6.990% | $6,714 | — |
| Wyoming | 5 | 6.875% | $8,565 | — |
| Arkansas | 4 | 6.562% | $6,722 | — |
| Louisiana | 4 | 6.188% | $14,517 | — |
| Rhode Island | 4 | 6.620% | $6,702 | — |
| Mississippi | 3 | 6.750% | $4,280 | — |
| South Dakota | 3 | 6.375% | $2,529 | — |
| Alaska | 2 | 6.438% | $12,230 | — |
| Vermont | 1 | 7.990% | $10,966 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $7,933 | 6.625% | — | 156 | −$2,146 | |
| 2 | $7,974 | 6.750% | — | 67 | −$2,105 | |
| 3 | $8,119 | 6.490% | — | 153 | −$1,960 | |
| 4 | $9,657 | 6.625% | — | 64 | −$422 | |
| 5 | $9,960 | 6.490% | — | 45 | −$119 | |
| 6 | $10,557 | 6.625% | — | 97 | +$478 | |
| 7 | $10,558 | 6.625% | — | 44 | +$479 | |
| 8 | $10,905 | 6.490% | — | 56 | +$826 | |
| 9 | $11,596 | 6.875% | — | 329 | +$1,517 | |
| 10 | $11,705 | 6.500% | — | 173 | +$1,626 | |
| 11 | $11,705 | 6.562% | — | 54 | +$1,626 | |
| 12 | $12,280 | 6.490% | — | 93 | +$2,201 | |
| 13 | $12,461 | 6.750% | — | 51 | +$2,382 | |
| 14 | $12,523 | 6.625% | — | 44 | +$2,444 | |
| 15 | $12,806 | 6.625% | — | 173 | +$2,727 | |
| 16 | $14,607 | 6.500% | — | 55 | +$4,528 | |
| 17 | $15,151 | 6.750% | — | 529 | +$5,072 | |
| 18 | $15,805 | 6.375% | — | 39 | +$5,726 | |
| 19 | $17,644 | 6.625% | — | 50 | +$7,565 | |
| 20 | $20,377 | 6.875% | — | 49 | +$10,298 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | A&D Mortgage LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $385,000 | $335,000 | +$50,000 (+14.9%) |
| Median total closing costs | $10,079 | $7,127 | +$2,952 (+41.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.