A&d Mortgage Rates, Fees & Info
Hollywood, FLLEI: 2549005SIVTHG14U2905
Tax ID: 80-0832417
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
A&d Mortgage is a small mortgage company specializing in Home Purchase and Cash Out Refi loans. A&d Mortgage has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Miami, New York, Los Angeles, Orlando, and San Francisco among others. We have data for 189 markets. (Some data included below & more in-depth data is available with an active subscription.)A&d Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. A&d Mortgage is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 8.25% | 12/4/22 |
| 30 Year Conventional Refi | 7.45% | 12/4/22 |
| 30 Year Cash-out Refi | 7.79% | 12/4/22 |
| 30 Year FHA Purchase | 8.06% | 12/4/22 |
| 30 Year FHA Refi | 7.33% | 12/4/22 |
| 30 Year USDA Purchase | 6.58% | 12/4/22 |
| 15 Year Conventional Purchase | 6.41% | 12/4/22 |
| 15 Year Conventional Refi | 6.33% | 12/4/22 |
| 15 Year Cash-out Refi | 6.33% | 12/4/22 |
| 15 Year FHA Refi | 7.06% | 12/4/22 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
4,820Origination Dollar Volume (All Markets)
$2,123,840,000Relative Rate
A&d Mortgage's average 30 year fixed mortgage rate was
4.36%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of 1.21%.
Relative Fees (Closing Costs)
A&d Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $13,755.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1,774 | $706,760,000 | $398,399 | $13,738 | 4.39% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 783 | $430,655,000 | $550,006 | $17,370 | 4.30% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 359 | $267,135,000 | $744,109 | $15,104 | 3.86% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 247 | $79,615,000 | $322,328 | $12,385 | 4.51% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 78 | $59,420,000 | $761,795 | $14,934 | 3.83% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 113 | $52,845,000 | $467,655 | $11,548 | 4.15% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 106 | $34,000,000 | $320,755 | $9,633 | 4.53% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 45 | $27,965,000 | $621,444 | $12,078 | 3.84% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 84 | $26,470,000 | $315,119 | $11,785 | 4.69% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 76 | $26,200,000 | $344,737 | $12,761 | 4.54% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 28 | $24,580,000 | $877,857 | $13,238 | 3.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 61 | $23,365,000 | $383,033 | $13,154 | 4.32% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 63 | $23,355,000 | $370,714 | $11,273 | 4.52% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 60 | $18,320,000 | $305,333 | $9,653 | 3.53% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 52 | $17,520,000 | $336,923 | $10,773 | 4.24% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 25 | $13,665,000 | $546,600 | $10,638 | 3.90% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 28 | $13,310,000 | $475,357 | $14,909 | 4.54% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 56 | $12,760,000 | $227,857 | $10,432 | 4.54% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 46 | $12,250,000 | $266,304 | $9,460 | 4.32% |
| Key West, FL (FHA|USDA|VA) | 16 | $11,890,000 | $743,125 | $21,154 | 4.44% |
| Outside of Metro Areas | 31 | $11,485,000 | $370,484 | $12,974 | 4.49% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 19 | $11,085,000 | $583,421 | $9,371 | 3.18% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 25 | $10,725,000 | $429,000 | $13,876 | 4.43% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 32 | $10,600,000 | $331,250 | $11,576 | 4.27% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 20 | $9,300,000 | $465,000 | $8,371 | 3.97% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 18 | $8,910,000 | $495,000 | $15,354 | 4.35% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 32 | $7,660,000 | $239,375 | $10,621 | 4.71% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 10 | $7,460,000 | $746,000 | $12,044 | 3.39% |
| VALLEJO, CA (FHA|USDA|VA) | 12 | $5,980,000 | $498,333 | $10,444 | 3.76% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 12 | $5,910,000 | $492,500 | $12,657 | 4.22% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 14 | $5,260,000 | $375,714 | $9,707 | 3.64% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 13 | $5,075,000 | $390,385 | $14,021 | 4.37% |
| STOCKTON, CA (FHA|USDA|VA) | 11 | $5,045,000 | $458,636 | $8,764 | 3.91% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 20 | $4,710,000 | $235,500 | $9,147 | 4.45% |
| Sevierville, TN (FHA|USDA|VA) | 9 | $4,675,000 | $519,444 | $13,765 | 4.57% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 15 | $4,355,000 | $290,333 | $9,090 | 4.60% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 16 | $4,290,000 | $268,125 | $11,353 | 4.61% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 6 | $3,860,000 | $643,333 | $12,239 | 3.69% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 6 | $3,850,000 | $641,667 | $22,119 | 4.14% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 8 | $3,710,000 | $463,750 | $9,161 | 4.04% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 5 | $3,675,000 | $735,000 | $14,297 | 4.05% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 12 | $3,390,000 | $282,500 | $5,428 | 3.03% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 8 | $3,010,000 | $376,250 | $16,394 | 4.69% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 14 | $2,930,000 | $209,286 | $8,539 | 4.39% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 9 | $2,895,000 | $321,667 | $12,140 | 4.33% |
| SALINAS, CA (FHA|USDA|VA) | 6 | $2,820,000 | $470,000 | $7,505 | 3.63% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 10 | $2,650,000 | $265,000 | $9,124 | 4.63% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 14 | $2,410,000 | $172,143 | $8,573 | 4.65% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $2,005,000 | $668,333 | $15,853 | 3.92% |
| FRESNO, CA (FHA|USDA|VA) | 7 | $1,845,000 | $263,571 | $5,996 | 3.09% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 7 | $1,775,000 | $253,571 | $47,043 | 4.01% |
| OCALA, FL (FHA|USDA|VA) | 8 | $1,730,000 | $216,250 | $8,717 | 4.17% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,705,000 | $568,333 | $13,131 | 4.12% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 6 | $1,670,000 | $278,333 | $9,358 | 5.23% |
| PROVO-OREM, UT (FHA|USDA|VA) | 5 | $1,645,000 | $329,000 | $5,415 | 2.73% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,570,000 | $392,500 | $10,503 | 5.06% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $16,230 | 3.81% |
| Heber, UT (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $29,398 | 5.25% |
| Edwards, CO (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $44,585 | 4.88% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $9,573 | 4.83% |
| BEND, OR (FHA|USDA|VA) | 2 | $1,450,000 | $725,000 | $8,737 | 3.13% |
| REDDING, CA (FHA|USDA|VA) | 3 | $1,415,000 | $471,667 | $11,163 | 5.79% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 8 | $1,410,000 | $176,250 | $11,467 | 4.20% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $13,984 | 4.63% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 9 | $1,375,000 | $152,778 | $7,935 | 4.07% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 6 | $1,370,000 | $228,333 | $10,943 | 4.43% |
| GAINESVILLE, FL (FHA|USDA|VA) | 8 | $1,370,000 | $171,250 | $7,094 | 4.93% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 5 | $1,355,000 | $271,000 | $9,642 | 3.03% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $1,315,000 | $438,333 | $10,895 | 4.83% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $1,295,000 | $431,667 | $15,951 | 4.58% |
| PANAMA CITY, FL (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $8,516 | 4.85% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,235,000 | $247,000 | $11,055 | 4.42% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $1,210,000 | $302,500 | $5,049 | 2.72% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 6 | $1,190,000 | $198,333 | $9,685 | 4.37% |
| READING, PA (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $11,989 | 4.75% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $10,815 | 5.28% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $1,050,000 | $175,000 | $8,228 | 4.67% |
| NAPA, CA (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $13,375 | 5.63% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $1,015,000 | $1,015,000 | $38,247 | 5.25% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $7,947 | 5.07% |
| BINGHAMTON, NY (FHA|USDA|VA) | 10 | $960,000 | $96,000 | $5,321 | 3.85% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $9,801 | 4.38% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $7,680 | 5.05% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $2,976 | 2.71% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $12,637 | 4.19% |
| Easton, MD (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $14,904 | 4.49% |
| VISALIA, CA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $4,528 | 3.42% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $13,452 | 3.68% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $10,276 | 4.50% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 2 | $810,000 | $405,000 | $12,814 | 4.38% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $8,657 | 4.94% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $11,994 | 5.71% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $12,578 | 4.69% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $690,000 | $172,500 | $8,312 | 3.97% |
| Oneonta, NY (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $13,873 | 5.38% |
| TYLER, TX (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $13,894 | 4.81% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $16,980 | 5.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $11,028 | 4.68% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $11,873 | 4.99% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,487 | 4.63% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,273 | 3.50% |
| Clearlake, CA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,141 | 6.88% |
| Okeechobee, FL (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $7,505 | 4.87% |
| WACO, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $5,079 | 5.81% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $20,920 | 5.38% |
| Vernal, UT (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $3,786 | 3.38% |
| Laconia, NH (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $13,575 | 3.75% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $18,616 | 5.49% |
| MADERA, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,745 | 4.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $9,936 | 5.31% |
| Lake City, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $18,305 | 6.99% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,704 | 5.38% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $12,122 | 5.75% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $14,108 | 3.99% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $7,932 | 4.13% |
| UTICA-ROME, NY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $10,700 | 4.56% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,674 | 6.63% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $18,896 | 4.88% |
| DOVER, DE (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $6,135 | 4.87% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $9,444 | 4.25% |
| KINGSTON, NY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,637 | 5.88% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $15,462 | 3.75% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,448 | 3.99% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,720 | 4.99% |
| Concord, NH (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $14,939 | 4.99% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $11,959 | 4.88% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,066 | 4.13% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,575 | 4.49% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,547 | 4.38% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $11,334 | 5.13% |
| ROCHESTER, NY (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $8,127 | 3.93% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $9,977 | 5.38% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $12,506 | 6.13% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $13,157 | 5.13% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,557 | 5.25% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $11,094 | 4.49% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,643 | 2.88% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,552 | 3.38% |
| ROANOKE, VA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,567 | 4.62% |
| Sanford, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,980 | 4.99% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $14,003 | 4.63% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $8,113 | 3.88% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $7,905 | 4.62% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $6,530 | 4.50% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,208 | 6.38% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,708 | 4.38% |
| DALTON, GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,570 | 4.13% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $11,747 | 3.99% |
| Cañon City, CO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,425 | 3.13% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,724 | 4.99% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,406 | 4.13% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $6,439 | 6.00% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $9,006 | 4.75% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $14,687 | 4.75% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,111 | 4.99% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,541 | 5.25% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $12,436 | 5.99% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $11,395 | 3.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,610 | 5.99% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,939 | 4.88% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $11,553 | 6.63% |
| Durango, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,734 | 2.63% |
| HINESVILLE, GA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $4,429 | 4.56% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,799 | 2.75% |
| Torrington, CT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $9,734 | 4.38% |
| Big Rapids, MI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,300 | 5.38% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,207 | 4.25% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,275 | 3.00% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,954 | 4.38% |
| Seneca, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,047 | 3.63% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,040 | 4.49% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,110 | 3.88% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,375 | 4.75% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,543 | 4.25% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,109 | 4.63% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,175 | 4.49% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,913 | 3.63% |
| Cortland, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,593 | 4.49% |
| MONROE, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,273 | 4.99% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,544 | 4.49% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,527 | 4.49% |
| FLINT, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,189 | 4.63% |
| LAREDO, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $7,999 | 6.49% |
| Tifton, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,644 | 4.63% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,820 | 5.88% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,994 | 3.75% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,428 | 4.13% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,517 | 3.25% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $6,516 | 6.38% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 4,736 | $2,098,090,000 | $443,009 | $13,561 | 4.33% |
| FHA | 84 | $25,750,000 | $306,548 | $12,771 | 3.16% |
For 2021, A&d Mortgage's most frequently originated type of loan was Conventional, with 4,736 originations. Their 2nd most popular type was FHA, with 84 originations.
Loan Reason
For 2021, A&d Mortgage's most frequently cited loan purpose was Home Purchase, with 2,898 originations. The 2nd most popular reason was Cash Out Refi, with 1,216 originations.
Loan Duration/Length
For 2021, A&d Mortgage's most frequently cited loan duration was 30 Year, with 4,652 originations. The 2nd most popular length was 15 Year, with 125 originations.
Origination Fees/Closing Costs
A&d Mortgage's average total fees were $13,755, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 3,394 originations.
Interest Rates
During 2021, A&d Mortgage's average interest rate for loans was 4.36%, while their most frequently originated rate bucket for loans was 4-5%, with 1,704 originations.
Loan Sizing
2021 saw A&d Mortgage place emphasis on $200k-400k loans with 1,861 originations, totaling $544,365,000 in origination value.
Applicant Income
A&d Mortgage lent most frequently to those with incomes in the $50k or less range, with 1,366 originations. The second most popular income band? $250k+, with 940 originations.
Applicant Debt to Income Ratio
A&d Mortgage lent most frequently to those with DTI ratios of <20%, with 1,736 originations. The next most common DTI ratio? 20-30%, with 636 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.00%
A&d Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination55.73%
A&d Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,820 | $2,123,840,000 | $440,631 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4,820 | $2,123,840,000 | $440,631 |
