Avadian mortgage approval rate & lending review
Avadian decided 1,964 mortgage applications and funded 1,646 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Avadian reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Avadian at a glance
Approval is 12.9 points above the 73.4% 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 | 96% | 576 / 603 | 95% | $305K | 546 |
| Home improvement loans | 80% | 747 / 932 | 100% | $55K | 747 |
| Cash-out refinance | 82% | 88 / 107 | 92% | $195K | 81 |
| Refinance | 86% | 173 / 200 | 97% | $255K | 168 |
| Investment property purchase | 92% | 85 / 92 | 96% | $265K | 82 |
Avadian lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Alabama | 86% | $185K | 1,947 | 1,630 |
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 Avadian lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Jefferson County, AL | Home improvement loans | 78% | 451 | 353 |
| Shelby County, AL | Home improvement loans | 86% | 315 | 270 |
| Jefferson County, AL | Mortgage lenders | 93% | 184 | 156 |
| Madison County, AL | Mortgage lenders | 98% | 156 | 145 |
| Shelby County, AL | Mortgage lenders | 97% | 130 | 123 |
| Jefferson County, AL | Refinance | 81% | 64 | 50 |
| Madison County, AL | Refinance | 92% | 50 | 45 |
| Shelby County, AL | Refinance | 90% | 51 | 45 |
| Madison County, AL | Home improvement loans | 73% | 60 | 44 |
| Limestone County, AL | Mortgage lenders | 92% | 48 | 43 |
| Houston County, AL | Mortgage lenders | 97% | 38 | 37 |
| Shelby County, AL | Investment property purchase | 100% | 33 | 33 |
The county markets where Avadian made the most loans. Each link opens that market with every lender ranked.
Questions about Avadian
What is Avadian's mortgage approval rate?
Avadian approved 86.3% of the 1,964 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.9 points above the 73.4% national rate for the same mix of loan types.
How often do borrowers take the loan Avadian offers?
Borrowers accepted 97% of the loans Avadian approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Avadian make?
The typical home improvement loan loan Avadian made was $55K; across all loan types its typical loan ran from $55K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Avadian lend?
Avadian decided applications in 5 of the states Fat Boy Data covers, most of them in Alabama, Florida and Georgia.
Can I apply to Avadian directly?
Yes. Avadian is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Avadian'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 Avadian treats applications, then get a rate quote from the lender.