Lenders › A&D Mortgage LLC › North Carolina
A&D Mortgage LLC in North Carolina
HMDA record for properties in North Carolina, calendar year 2024. National record · North Carolina 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.
A&D Mortgage LLC's 2024 HMDA record for North Carolina covers 261 applications, 137 of them originated, worth $40m.
Its denial rate in the state was 20.9%, below the North Carolina rate of 24.0% across all lenders and compared with the lender's national rate of 16.7%.
The median rate spread on its North Carolina originations was 1.4 percentage points (state median 0.2).
Applications in the state were up 153% on 2023.
Compared with the state and the lender's national record
| Measure | In North Carolina | North Carolina, all lenders | A&D Mortgage LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 20.9% | 24.0% | 16.7% | 24.3% |
| Median rate spread, pp | 1.4 | 0.2 | 1.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 45.8% | 11.8% | 42.1% | 15.6% |
| Average originated loan | $292k | $299k | $351k | $329k |
| Home purchase share | 65.0% | 56.3% | 66.3% | 57.0% |
| FHA-insured share | 0.7% | 11.8% | 0.8% | 13.4% |
| VA-guaranteed share | 0.0% | 11.8% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNorth Carolina, all lenders
Loan purpose and loan type in North Carolina
By purpose
Home purchase 65% (89)Refinancing 6% (8)Cash-out refinancing 29% (40)
By type
Conventional 99% (136)FHA 1% (1)
Denial reasons as coded
Share of 37 denials in North Carolina by first denial reason coded (outlined bar: all lenders in the state).
Counties in North Carolina
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Wake County | 34 | 21 | $8.3m | — |
| Mecklenburg County | 31 | 21 | $5.4m | — |
| Cumberland County | 25 | 3 | $565k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did A&D Mortgage LLC originate in North Carolina in 2024?
137 loans totalling $40m, from 261 applications reported for properties in North Carolina.
What is A&D Mortgage LLC's denial rate in North Carolina?
20.9% of decided applications in North Carolina were denied, against 24.0% 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 North Carolina counties does A&D Mortgage LLC lend in most?
By originations: Wake County (21), Mecklenburg County (21), Cumberland County (3).
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 North Carolina. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.