ADDITION FINANCIAL
ADDITION FINANCIAL received 1,332 applications in 2025 and made 587 mortgages, in 42 counties across 10 states. The median rate its borrowers got was 6.500% on a median loan of $95,000. Of 1,077 decisions, 426 were denials — 39.6%, most often for debt-to-income ratio. 99 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493001ZUNE2DKEA4702 |
|---|---|
| Applications received | 1,332 |
| Mortgages made | 587 |
| Denied | 426 |
| Approved, not taken up | 64 |
| Withdrawn or incomplete | 255 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.047 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 86 | 6.125% | $340,000 | 52.1% |
| Refinancing | 10 | 5.875% | $205,000 | 55.6% |
| Cash-out refinancing | 491 | 6.750% | $75,000 | 36.2% |
Where ADDITION FINANCIAL lends most
The 42 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Orange County, FL | 245 | 6.500% | 29.2% |
| Seminole County, FL | 100 | 6.500% | 28.7% |
| Osceola County, FL | 88 | 6.750% | 40.2% |
| Lake County, FL | 58 | 6.750% | 36.4% |
| Volusia County, FL | 27 | 7.000% | 37.5% |
| Leon County, FL | 17 | 6.625% | 28.6% |
| Polk County, FL | 8 | Under 10 loans | 64.3% |
| Brevard County, FL | 6 | Under 10 loans | 50.0% |
| Decatur County, GA | 6 | Under 10 loans | 25.0% |
| Hillsborough County, FL | 5 | Under 10 loans | 16.7% |
| Jackson County, FL | 4 | Under 10 loans | 0.0% |
| Sumter County, FL | 3 | Under 10 loans | 0.0% |
| Alachua County, FL | 2 | Under 10 loans | 33.3% |
| Gadsden County, FL | 2 | Under 10 loans | 66.7% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 2 | Under 10 loans | 33.3% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| Citrus County, FL | 1 | Under 10 loans | 0.0% |
| Clay County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 50.0% |
| Wakulla County, FL | 1 | Under 10 loans | 0.0% |
| Washington County, FL | 1 | Under 10 loans | 0.0% |
| Bulloch County, GA | 1 | Under 10 loans | 0.0% |
| Cobb County, GA | 1 | Under 10 loans | 0.0% |
| Columbia County, GA | 1 | Under 10 loans | 0.0% |
| Lowndes County, GA | 1 | Under 10 loans | 0.0% |
| Thomas County, GA | 1 | Under 10 loans | 85.7% |
| Loudoun County, VA | 1 | Under 10 loans | 0.0% |
| Duval County, FL | 0 | Under 10 loans | 0.0% |
| Gilchrist County, FL | 0 | Under 10 loans | Not published |
| Indian River County, FL | 0 | Under 10 loans | 100.0% |
| Levy County, FL | 0 | Under 10 loans | Not published |
| Pasco County, FL | 0 | Under 10 loans | 100.0% |
| Pinellas County, FL | 0 | Under 10 loans | 100.0% |
| Sarasota County, FL | 0 | Under 10 loans | 100.0% |
| Grady County, GA | 0 | Under 10 loans | 100.0% |
| Howard County, IN | 0 | Under 10 loans | 100.0% |
| Texas County, MO | 0 | Under 10 loans | 100.0% |
| Henderson County, NC | 0 | Under 10 loans | 100.0% |
| Macon County, NC | 0 | Under 10 loans | Not published |
| Berks County, PA | 0 | Under 10 loans | Not published |
| Greenville County, SC | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.