Addition Financial mortgage approval rate & lending review
Addition Financial decided 2,979 mortgage applications and funded 1,560 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Addition Financial reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Addition Financial at a glance
Approval is 12.0 points below the 69.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 171 / 188 | 91% | $355K | 155 |
| Cash-out refinance | 56% | 1,495 / 2,652 | 91% | $75K | 1,356 |
| Refinance | 38% | 28 / 73 | 82% | $145K | 23 |
| Investment cash-out refinance | 39% | 16 / 41 | 94% | $155K | 15 |
Addition Financial lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 58% | $75K | 2,966 | 1,553 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Addition Financial lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Orange County, FL | Cash-out refinance | 62% | 1,074 | 596 |
| Seminole County, FL | Cash-out refinance | 60% | 430 | 241 |
| Osceola County, FL | Cash-out refinance | 48% | 542 | 233 |
| Lake County, FL | Cash-out refinance | 61% | 261 | 144 |
| Volusia County, FL | Cash-out refinance | 53% | 146 | 73 |
| Polk County, FL | Cash-out refinance | 29% | 80 | 17 |
| Brevard County, FL | Cash-out refinance | 38% | 37 | 14 |
| Leon County, FL | Cash-out refinance | 70% | 23 | 13 |
| Orange County, FL | Refinance | 36% | 25 | 8 |
The county markets where Addition Financial made the most loans. Each link opens that market with every lender ranked.
Questions about Addition Financial
What is Addition Financial's mortgage approval rate?
Addition Financial approved 57.9% of the 2,979 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.0 points below the 69.9% national rate for the same mix of loan types.
How often do borrowers take the loan Addition Financial offers?
Borrowers accepted 90% of the loans Addition Financial approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Addition Financial make?
The typical cash-out refinance loan Addition Financial made was $75K; across all loan types its typical loan ran from $75K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Addition Financial lend?
Addition Financial decided applications in 9 of the states Fat Boy Data covers, most of them in Florida, Georgia and California.
Can I apply to Addition Financial directly?
Yes. Addition Financial is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Addition Financial's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Addition Financial treats applications, then get a rate quote from the lender.