AVADIAN
AVADIAN received 1,339 applications in 2025 and made 1,015 mortgages, in 54 counties across 6 states. The median rate its borrowers got was 4.990% on a median loan of $85,000. Of 1,275 decisions, 242 were denials — 19.0%, most often for credit history.
| Legal Entity Identifier | 549300FGGERPRKXH7V65 |
|---|---|
| Applications received | 1,339 |
| Mortgages made | 1,015 |
| Denied | 242 |
| Approved, not taken up | 18 |
| Withdrawn or incomplete | 64 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -2.21 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 | 231 | 6.250% | $275,000 | 4.4% |
| Refinancing | 64 | 6.438% | $260,000 | 14.1% |
| Cash-out refinancing | 33 | 6.500% | $215,000 | 5.4% |
| Other purposes | 687 | 4.990% | $65,000 | 24.0% |
Where AVADIAN lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, AL | 330 | 4.990% | 22.6% |
| Shelby County, AL | 284 | 4.990% | 13.0% |
| Madison County, AL | 98 | 5.375% | 18.9% |
| Houston County, AL | 58 | 6.058% | 19.2% |
| St. Clair County, AL | 33 | 4.990% | 15.0% |
| Limestone County, AL | 28 | 5.688% | 17.7% |
| Mobile County, AL | 23 | 4.990% | 14.8% |
| Geneva County, AL | 19 | 4.990% | 20.8% |
| Tuscaloosa County, AL | 15 | 4.990% | 21.1% |
| Blount County, AL | 14 | 4.990% | 6.7% |
| Baldwin County, AL | 11 | 4.990% | 15.4% |
| Walker County, AL | 8 | Under 10 loans | 27.3% |
| Coffee County, AL | 7 | Under 10 loans | 0.0% |
| Lamar County, AL | 7 | Under 10 loans | 30.0% |
| Bibb County, AL | 6 | Under 10 loans | 14.3% |
| Marshall County, AL | 6 | Under 10 loans | 33.3% |
| Morgan County, AL | 6 | Under 10 loans | 14.3% |
| Talladega County, AL | 6 | Under 10 loans | 40.0% |
| Chilton County, AL | 4 | Under 10 loans | 20.0% |
| Elmore County, AL | 4 | Under 10 loans | 0.0% |
| Henry County, AL | 4 | Under 10 loans | 33.3% |
| Lauderdale County, AL | 4 | Under 10 loans | 0.0% |
| Cullman County, AL | 3 | Under 10 loans | 62.5% |
| Fayette County, AL | 3 | Under 10 loans | 0.0% |
| Lee County, AL | 3 | Under 10 loans | 0.0% |
| Montgomery County, AL | 3 | Under 10 loans | 25.0% |
| Winston County, AL | 3 | Under 10 loans | 0.0% |
| Autauga County, AL | 2 | Under 10 loans | 0.0% |
| Colbert County, AL | 2 | Under 10 loans | 50.0% |
| DeKalb County, AL | 2 | Under 10 loans | 0.0% |
| Bay County, FL | 2 | Under 10 loans | 0.0% |
| Barbour County, AL | 1 | Under 10 loans | 50.0% |
| Calhoun County, AL | 1 | Under 10 loans | 0.0% |
| Clarke County, AL | 1 | Under 10 loans | 0.0% |
| Coosa County, AL | 1 | Under 10 loans | 50.0% |
| Dale County, AL | 1 | Under 10 loans | 50.0% |
| Etowah County, AL | 1 | Under 10 loans | 50.0% |
| Jackson County, AL | 1 | Under 10 loans | 50.0% |
| Macon County, AL | 1 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 1 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 0.0% |
| Jackson County, FL | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Dade County, GA | 1 | Under 10 loans | 0.0% |
| Lee County, MS | 1 | Under 10 loans | 0.0% |
| Monroe County, MS | 1 | Under 10 loans | 0.0% |
| Union County, MS | 1 | Under 10 loans | 0.0% |
| Lawrence County, AL | 0 | Under 10 loans | 100.0% |
| Pike County, AL | 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.