Lenders › A&D Mortgage LLC › Florida
A&D Mortgage LLC in Florida
HMDA record for properties in Florida, calendar year 2024. National record · Florida overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Florida, A&D Mortgage LLC reported 7,532 applications and 4,369 originations for 2024, $1.5bn in all.
Its denial rate in the state was 13.7%, below the Florida rate of 29.0% across all lenders and compared with the lender's national rate of 16.7%.
The median rate spread on its Florida originations was 1.3 percentage points (state median 0.3).
Applications in the state were up 63% on 2023.
Compared with the state and the lender's national record
| Measure | In Florida | Florida, all lenders | A&D Mortgage LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 13.7% | 29.0% | 16.7% | 24.3% |
| Median rate spread, pp | 1.3 | 0.3 | 1.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 41.5% | 16.4% | 42.1% | 15.6% |
| Average originated loan | $343k | $359k | $351k | $329k |
| Home purchase share | 70.6% | 62.9% | 66.3% | 57.0% |
| FHA-insured share | 0.7% | 17.7% | 0.8% | 13.4% |
| VA-guaranteed share | 0.0% | 9.5% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateFlorida, all lenders
Loan purpose and loan type in Florida
By purpose
Home purchase 71% (3,086)Refinancing 4% (169)Cash-out refinancing 25% (1,114)
By type
Conventional 99% (4,337)FHA 1% (32)
Denial reasons as coded
Share of 707 denials in Florida by first denial reason coded (outlined bar: all lenders in the state).
Counties in Florida
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 2,431 | 1,420 | $556m | 13.6% |
| Broward County | 1,411 | 837 | $275m | 13.8% |
| Palm Beach County | 671 | 395 | $146m | 13.3% |
| Orange County | 477 | 249 | $79m | 16.1% |
| Osceola County | 363 | 240 | $68m | 10.1% |
| Polk County | 244 | 148 | $36m | 13.0% |
| Lee County | 239 | 128 | $37m | 18.9% |
| Hillsborough County | 175 | 92 | $28m | 17.9% |
| Pinellas County | 144 | 87 | $25m | 12.9% |
| St. Lucie County | 132 | 74 | $20m | 12.9% |
| Lake County | 86 | 60 | $21m | 4.8% |
| Duval County | 108 | 50 | $11m | 21.5% |
| Sarasota County | 81 | 48 | $18m | 13.6% |
| Volusia County | 82 | 46 | $12m | 14.3% |
| Pasco County | 76 | 45 | $12m | 11.1% |
| Marion County | 76 | 43 | $9.1m | 15.1% |
| Seminole County | 63 | 41 | $14m | 8.9% |
| Manatee County | 75 | 39 | $15m | 4.8% |
| Collier County | 67 | 31 | $15m | 10.8% |
| Brevard County | 65 | 29 | $9.0m | 27.5% |
| Charlotte County | 55 | 29 | $8.1m | 19.4% |
| Martin County | 46 | 28 | $15m | 9.1% |
| Monroe County | 48 | 22 | $17m | 17.9% |
| Highlands County | 27 | 19 | $4.7m | — |
| St. Johns County | 33 | 17 | $6.2m | — |
| Bay County | 31 | 16 | $4.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did A&D Mortgage LLC originate in Florida in 2024?
4,369 loans totalling $1.5bn, from 7,532 applications reported for properties in Florida.
What is A&D Mortgage LLC's denial rate in Florida?
13.7% of decided applications in Florida were denied, against 29.0% for all lenders in the state and 16.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Florida counties does A&D Mortgage LLC lend in most?
By originations: Miami-Dade County (1,420), Broward County (837), Palm Beach County (395), Orange County (249), Osceola County (240).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Florida. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.