A&d Mortgage Rates, Fees & Info

Hollywood, FL

LEI: 2549005SIVTHG14U2905

Tax ID: 80-0832417

1 stars - Updated: 6/17/24 - out of 5 stars, based on 78 reviews

Latest/2023 | 2022 Data | 2021 Data | 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 Dallas among others. We have data for 292 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 8.54% 6/17/24
30 Year Conventional Refi 7.83% 6/17/24
30 Year Cash-out Refi 8.35% 6/17/24
30 Year FHA Purchase 7.48% 6/17/24
30 Year USDA Purchase 6.27% 6/17/24
15 Year Conventional Purchase 6.39% 6/17/24
15 Year Conventional Refi 6.16% 6/17/24
15 Year Cash-out Refi 6.16% 6/17/24
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.

A&d Mortgage Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from A&d Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

6,159

Origination Dollar Volume (All Markets)

$2,396,085,000

Relative Rate

A&d Mortgage's average 30 year fixed mortgage rate was 8.73%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 2.25%.

Relative Fees (Closing Costs)

A&d Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $17,260.

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 $9,089.

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) 1,794 $742,750,000 $414,019 $18,118 8.64%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 852 $444,210,000 $521,373 $20,272 8.71%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 204 $142,800,000 $700,000 $22,218 8.96%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 373 $120,315,000 $322,560 $18,450 8.70%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 172 $60,290,000 $350,523 $18,082 8.63%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 153 $46,345,000 $302,908 $15,002 8.64%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 129 $44,145,000 $342,209 $15,936 8.55%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 83 $34,635,000 $417,289 $15,598 8.87%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 90 $30,790,000 $342,111 $16,379 8.83%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 46 $29,950,000 $651,087 $18,331 9.10%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 97 $29,885,000 $308,093 $15,240 8.99%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 99 $27,595,000 $278,737 $13,055 8.71%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 109 $26,135,000 $239,771 $10,704 8.96%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 65 $25,305,000 $389,308 $14,765 8.62%
Outside of Metro Areas 76 $21,430,000 $281,974 $13,253 8.92%
PORT ST. LUCIE, FL (FHA|USDA|VA) 67 $20,025,000 $298,881 $14,318 8.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 58 $19,810,000 $341,552 $15,413 8.73%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 58 $19,730,000 $340,172 $10,277 8.46%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 26 $18,270,000 $702,692 $22,778 8.42%
JACKSONVILLE, FL (FHA|USDA|VA) 66 $17,970,000 $272,273 $18,670 8.40%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 36 $17,280,000 $480,000 $18,864 8.77%
Key West, FL (FHA|USDA|VA) 23 $16,965,000 $737,609 $21,691 8.70%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 54 $16,940,000 $313,704 $16,227 8.61%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 41 $15,975,000 $389,634 $17,666 8.66%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 34 $13,840,000 $407,059 $14,593 8.05%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 18 $11,940,000 $663,333 $25,540 8.91%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 34 $11,340,000 $333,529 $16,015 8.57%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 37 $10,375,000 $280,405 $14,395 8.73%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 42 $9,700,000 $230,952 $14,152 8.84%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 14 $8,750,000 $625,000 $11,177 8.78%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 30 $8,530,000 $284,333 $11,781 8.28%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 10 $8,030,000 $803,000 $35,242 8.95%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 31 $7,985,000 $257,581 $12,922 9.03%
PANAMA CITY, FL (FHA|USDA|VA) 22 $7,960,000 $361,818 $21,428 8.74%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 23 $7,325,000 $318,478 $13,187 8.61%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 16 $7,240,000 $452,500 $15,305 9.46%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 17 $7,155,000 $420,882 $18,866 8.13%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 32 $6,860,000 $214,375 $12,484 8.92%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 24 $6,610,000 $275,417 $10,713 8.88%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 17 $6,005,000 $353,235 $16,533 8.72%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 9 $5,955,000 $661,667 $19,632 9.43%
OCALA, FL (FHA|USDA|VA) 28 $5,850,000 $208,929 $12,588 8.83%
RALEIGH-CARY, NC (FHA|USDA|VA) 8 $4,940,000 $617,500 $21,907 8.72%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 11 $4,825,000 $438,636 $18,551 9.81%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 14 $4,340,000 $310,000 $14,729 8.45%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 20 $4,250,000 $212,500 $6,153 8.77%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 9 $4,175,000 $463,889 $16,039 9.05%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 19 $4,135,000 $217,632 $11,175 9.42%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 22 $4,090,000 $185,909 $10,284 8.76%
EAST STROUDSBURG, PA (FHA|USDA|VA) 17 $4,075,000 $239,706 $13,067 9.11%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 6 $4,070,000 $678,333 $18,117 8.33%
FRESNO, CA (FHA|USDA|VA) 10 $4,000,000 $400,000 $13,265 8.40%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 8 $3,920,000 $490,000 $24,158 9.20%
STOCKTON, CA (FHA|USDA|VA) 8 $3,840,000 $480,000 $16,689 9.03%
Sevierville, TN (FHA|USDA|VA) 10 $3,670,000 $367,000 $9,500 8.46%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 17 $3,655,000 $215,000 $11,083 8.45%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 11 $3,655,000 $332,273 $18,657 8.59%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 16 $3,520,000 $220,000 $10,373 9.16%
LOUISVILLE, KY (FHA|USDA|VA) 17 $3,495,000 $205,588 $11,912 8.56%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 16 $3,470,000 $216,875 $0 8.73%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 14 $3,320,000 $237,143 $12,556 9.38%
LUBBOCK, TX (FHA|USDA|VA) 8 $3,220,000 $402,500 $17,452 8.93%
SALINAS, CA (FHA|USDA|VA) 4 $3,210,000 $802,500 $22,849 9.37%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 7 $3,205,000 $457,857 $27,202 8.59%
WORCESTER, MA-CT (FHA|USDA|VA) 8 $3,000,000 $375,000 $0 8.95%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,900,000 $290,000 $14,371 8.55%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 15 $2,795,000 $186,333 $8,881 9.63%
VALLEJO, CA (FHA|USDA|VA) 7 $2,745,000 $392,143 $18,906 8.48%
SALT LAKE CITY, UT (FHA|USDA|VA) 8 $2,720,000 $340,000 $16,809 9.12%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 9 $2,705,000 $300,556 $11,016 8.80%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 12 $2,670,000 $222,500 $9,690 8.85%
COLUMBUS, OH (FHA|USDA|VA) 8 $2,660,000 $332,500 $3,825 8.89%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 13 $2,605,000 $200,385 $10,001 8.91%
COLORADO SPRINGS, CO (FHA|USDA|VA) 4 $2,490,000 $622,500 $30,668 8.53%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $2,480,000 $620,000 $18,528 8.19%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $2,325,000 $775,000 $14,864 8.21%
SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) 7 $2,275,000 $325,000 $0 9.39%
BINGHAMTON, NY (FHA|USDA|VA) 15 $2,245,000 $149,667 $8,862 8.66%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 6 $2,110,000 $351,667 $10,909 8.46%
PITTSBURGH, PA (FHA|USDA|VA) 8 $2,110,000 $263,750 $19,567 9.00%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $2,015,000 $223,889 $6,913 8.98%
GLENS FALLS, NY (FHA|USDA|VA) 6 $1,970,000 $328,333 $7,887 9.56%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $1,960,000 $326,667 $11,514 10.02%
JACKSONVILLE, NC (FHA|USDA|VA) 10 $1,950,000 $195,000 $0 8.48%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 7 $1,915,000 $273,571 $9,121 9.37%
Granbury, TX (FHA|USDA|VA) 10 $1,900,000 $190,000 $9,910 9.70%
MODESTO, CA (FHA|USDA|VA) 6 $1,840,000 $306,667 $10,674 7.69%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 12 $1,810,000 $150,833 $7,760 9.07%
GAINESVILLE, FL (FHA|USDA|VA) 10 $1,780,000 $178,000 $11,049 8.95%
TALLAHASSEE, FL (FHA|USDA|VA) 12 $1,740,000 $145,000 $8,742 8.75%
KINGSTON, NY (FHA|USDA|VA) 8 $1,730,000 $216,250 $11,320 8.33%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 8 $1,650,000 $206,250 $13,723 9.25%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $1,645,000 $1,645,000 $0 8.88%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 7 $1,555,000 $222,143 $1,090 8.21%
CORPUS CHRISTI, TX (FHA|USDA|VA) 7 $1,555,000 $222,143 $17,376 9.29%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $1,510,000 $755,000 $20,059 11.06%
ASHEVILLE, NC (FHA|USDA|VA) 4 $1,510,000 $377,500 $0 9.28%
TULSA, OK (FHA|USDA|VA) 6 $1,470,000 $245,000 $0 9.21%
SAVANNAH, GA (FHA|USDA|VA) 6 $1,470,000 $245,000 $11,589 9.16%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 9 $1,455,000 $161,667 $7,384 9.62%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 4 $1,430,000 $357,500 $1,090 10.81%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 7 $1,425,000 $203,571 $15,326 8.50%
Port Lavaca, TX (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $25,662 8.88%
BAKERSFIELD, CA (FHA|USDA|VA) 7 $1,405,000 $200,714 $11,646 8.21%
NAPA, CA (FHA|USDA|VA) 2 $1,390,000 $695,000 $14,617 8.38%
Breckenridge, CO (FHA|USDA|VA) 2 $1,360,000 $680,000 $1,090 8.69%
UTICA-ROME, NY (FHA|USDA|VA) 3 $1,345,000 $448,333 $23,944 10.00%
Clewiston, FL (FHA|USDA|VA) 5 $1,315,000 $263,000 $18,918 9.35%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 6 $1,310,000 $218,333 $11,481 8.48%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $1,305,000 $435,000 $0 9.29%
PUNTA GORDA, FL (FHA|USDA|VA) 7 $1,265,000 $180,714 $7,587 8.89%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $1,260,000 $210,000 $9,593 9.56%
THE VILLAGES, FL (FHA|USDA|VA) 4 $1,230,000 $307,500 $15,139 8.18%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,225,000 $245,000 $0 8.72%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 8 $1,210,000 $151,250 $0 8.87%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 6 $1,210,000 $201,667 $8,052 8.89%
COLUMBIA, SC (FHA|USDA|VA) 5 $1,205,000 $241,000 $24,977 9.27%
Outside of Metro Areas 2 $1,190,000 $595,000 $19,159 8.44%
OKLAHOMA CITY, OK (FHA|USDA|VA) 5 $1,185,000 $237,000 $0 9.00%
HUNTSVILLE, AL (FHA|USDA|VA) 4 $1,180,000 $295,000 $15,890 7.81%
SALISBURY, MD-DE (FHA|USDA|VA) 5 $1,165,000 $233,000 $0 9.27%
PITTSFIELD, MA (FHA|USDA|VA) 4 $1,150,000 $287,500 $0 9.37%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 3 $1,145,000 $381,667 $11,973 8.42%
RICHMOND, VA (FHA|USDA|VA) 3 $1,045,000 $348,333 $13,524 7.46%
ANN ARBOR, MI (FHA|USDA|VA) 3 $1,045,000 $348,333 $0 11.08%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $1,040,000 $520,000 $14,800 6.94%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $1,030,000 $257,500 $16,709 8.25%
KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $1,010,000 $168,333 $6,999 9.25%
ST. LOUIS, MO-IL (FHA|USDA|VA) 7 $995,000 $142,143 $11,930 9.39%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $980,000 $245,000 $10,440 8.47%
SPRINGFIELD, MA (FHA|USDA|VA) 3 $975,000 $325,000 $0 9.08%
Moses Lake, WA (FHA|USDA|VA) 1 $965,000 $965,000 $0 9.88%
EL CENTRO, CA (FHA|USDA|VA) 3 $955,000 $318,333 $13,034 8.54%
Jefferson, GA (FHA|USDA|VA) 3 $855,000 $285,000 $0 8.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $815,000 $163,000 $9,770 9.13%
Traverse City, MI (FHA|USDA|VA) 2 $810,000 $405,000 $0 8.62%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $790,000 $395,000 $19,193 8.25%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $775,000 $258,333 $0 9.41%
OWENSBORO, KY (FHA|USDA|VA) 3 $775,000 $258,333 $0 7.79%
TYLER, TX (FHA|USDA|VA) 2 $770,000 $385,000 $1,406 8.99%
REDDING, CA (FHA|USDA|VA) 3 $745,000 $248,333 $15,249 9.58%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $745,000 $248,333 $11,708 7.04%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $740,000 $185,000 $13,249 9.31%
Amsterdam, NY (FHA|USDA|VA) 2 $720,000 $360,000 $10,747 8.37%
BEND, OR (FHA|USDA|VA) 1 $715,000 $715,000 $22,659 8.38%
Huntsville, TX (FHA|USDA|VA) 1 $715,000 $715,000 $28,322 9.99%
MADERA, CA (FHA|USDA|VA) 3 $695,000 $231,667 $0 9.17%
Vineyard Haven, MA (FHA|USDA|VA) 1 $695,000 $695,000 $0 8.38%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $695,000 $231,667 $16,390 8.67%
Hailey, ID (FHA|USDA|VA) 1 $695,000 $695,000 $23,566 8.25%
Bozeman, MT (FHA|USDA|VA) 1 $685,000 $685,000 $0 10.75%
Torrington, CT (FHA|USDA|VA) 3 $685,000 $228,333 $16,017 8.54%
BOISE CITY, ID (FHA|USDA|VA) 3 $675,000 $225,000 $10,639 9.29%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 4 $650,000 $162,500 $8,577 9.81%
EL PASO, TX (FHA|USDA|VA) 2 $650,000 $325,000 $15,924 10.37%
MOBILE, AL (FHA|USDA|VA) 2 $650,000 $325,000 $3,754 7.63%
SYRACUSE, NY (FHA|USDA|VA) 5 $635,000 $127,000 $8,169 9.20%
PUEBLO, CO (FHA|USDA|VA) 4 $620,000 $155,000 $6,117 8.06%
TOLEDO, OH (FHA|USDA|VA) 2 $610,000 $305,000 $0 9.43%
Fredericksburg, TX (FHA|USDA|VA) 2 $610,000 $305,000 $11,706 9.06%
WILMINGTON, NC (FHA|USDA|VA) 2 $610,000 $305,000 $0 8.06%
SHERMAN-DENISON, TX (FHA|USDA|VA) 3 $595,000 $198,333 $13,604 8.38%
Show Low, AZ (FHA|USDA|VA) 2 $590,000 $295,000 $13,499 9.06%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $585,000 $195,000 $0 7.99%
Clearlake, CA (FHA|USDA|VA) 2 $570,000 $285,000 $0 8.87%
CHICO, CA (FHA|USDA|VA) 2 $570,000 $285,000 $14,275 9.12%
GREELEY, CO (FHA|USDA|VA) 2 $560,000 $280,000 $15,198 10.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $550,000 $275,000 $4,410 8.06%
Whitewater, WI (FHA|USDA|VA) 2 $540,000 $270,000 $0 10.49%
Lebanon, NH-VT (FHA|USDA|VA) 2 $520,000 $260,000 $0 8.50%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 3 $505,000 $168,333 $0 8.79%
MORRISTOWN, TN (FHA|USDA|VA) 2 $500,000 $250,000 $12,347 9.31%
Tupelo, MS (FHA|USDA|VA) 2 $500,000 $250,000 $0 10.00%
SALEM, OR (FHA|USDA|VA) 1 $495,000 $495,000 $0 9.13%
PROVO-OREM, UT (FHA|USDA|VA) 2 $470,000 $235,000 $8,575 5.88%
ROCHESTER, NY (FHA|USDA|VA) 2 $470,000 $235,000 $18,538 8.93%
READING, PA (FHA|USDA|VA) 3 $465,000 $155,000 $9,529 9.29%
Red Bluff, CA (FHA|USDA|VA) 2 $460,000 $230,000 $0 9.56%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $460,000 $230,000 $0 8.50%
DECATUR, AL (FHA|USDA|VA) 3 $455,000 $151,667 $0 9.04%
Ukiah, CA (FHA|USDA|VA) 1 $445,000 $445,000 $14,877 8.99%
DOTHAN, AL (FHA|USDA|VA) 3 $435,000 $145,000 $0 8.99%
VISALIA, CA (FHA|USDA|VA) 3 $425,000 $141,667 $10,376 9.00%
Kalispell, MT (FHA|USDA|VA) 1 $425,000 $425,000 $0 8.63%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 2 $420,000 $210,000 $0 9.13%
YUMA, AZ (FHA|USDA|VA) 2 $420,000 $210,000 $14,146 8.25%
Edwards, CO (FHA|USDA|VA) 1 $405,000 $405,000 $12,679 6.13%
Hudson, NY (FHA|USDA|VA) 1 $395,000 $395,000 $0 11.38%
TUCSON, AZ (FHA|USDA|VA) 3 $395,000 $131,667 $6,463 10.33%
Paris, TX (FHA|USDA|VA) 1 $385,000 $385,000 $23,105 8.63%
Fort Payne, AL (FHA|USDA|VA) 1 $385,000 $385,000 $10,999 8.25%
Somerset, KY (FHA|USDA|VA) 1 $375,000 $375,000 $20,272 9.25%
Albemarle, NC (FHA|USDA|VA) 1 $375,000 $375,000 $0 8.99%
Nogales, AZ (FHA|USDA|VA) 1 $375,000 $375,000 $0 10.75%
KNOXVILLE, TN (FHA|USDA|VA) 3 $375,000 $125,000 $5,815 8.50%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $370,000 $185,000 $0 8.62%
YORK-HANOVER, PA (FHA|USDA|VA) 3 $365,000 $121,667 $0 9.83%
MONTGOMERY, AL (FHA|USDA|VA) 3 $345,000 $115,000 $0 8.38%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 3 $335,000 $111,667 $6,624 9.08%
YUBA CITY, CA (FHA|USDA|VA) 1 $335,000 $335,000 $9,662 9.99%
JACKSON, MS (FHA|USDA|VA) 2 $330,000 $165,000 $0 8.68%
Palatka, FL (FHA|USDA|VA) 2 $320,000 $160,000 $6,249 8.19%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $315,000 $315,000 $0 9.13%
Fitzgerald, GA (FHA|USDA|VA) 1 $315,000 $315,000 $14,972 8.88%
Spearfish, SD (FHA|USDA|VA) 1 $315,000 $315,000 $8,181 10.75%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $315,000 $315,000 $12,943 9.13%
BANGOR, ME (FHA|USDA|VA) 2 $310,000 $155,000 $0 10.13%
Calhoun, GA (FHA|USDA|VA) 2 $310,000 $155,000 $0 8.81%
GETTYSBURG, PA (FHA|USDA|VA) 1 $305,000 $305,000 $14,700 8.75%
AMARILLO, TX (FHA|USDA|VA) 1 $305,000 $305,000 $11,710 9.38%
Sulphur Springs, TX (FHA|USDA|VA) 1 $305,000 $305,000 $17,032 10.13%
MIDLAND, TX (FHA|USDA|VA) 2 $300,000 $150,000 $8,826 9.06%
Bonham, TX (FHA|USDA|VA) 1 $295,000 $295,000 $12,507 9.88%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $295,000 $295,000 $12,855 9.99%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $285,000 $285,000 $0 8.13%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $275,000 $275,000 $0 13.75%
Crescent City, CA (FHA|USDA|VA) 1 $275,000 $275,000 $0 8.49%
Henderson, NC (FHA|USDA|VA) 1 $265,000 $265,000 $0 8.88%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $265,000 $265,000 $0 11.63%
STATE COLLEGE, PA (FHA|USDA|VA) 1 $265,000 $265,000 $14,703 10.13%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $265,000 $265,000 $11,027 6.88%
Astoria, OR (FHA|USDA|VA) 1 $265,000 $265,000 $0 9.63%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $260,000 $130,000 $5,863 9.06%
Sandpoint, ID (FHA|USDA|VA) 1 $255,000 $255,000 $7,547 7.13%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.38%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $255,000 $255,000 $0 9.75%
BURLINGTON, NC (FHA|USDA|VA) 1 $245,000 $245,000 $0 9.88%
Cedar City, UT (FHA|USDA|VA) 1 $245,000 $245,000 $0 10.88%
Athens, TX (FHA|USDA|VA) 2 $240,000 $120,000 $8,683 9.81%
FOND DU LAC, WI (FHA|USDA|VA) 1 $235,000 $235,000 $0 9.49%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $230,000 $115,000 $0 8.06%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $230,000 $115,000 $8,183 10.06%
SPARTANBURG, SC (FHA|USDA|VA) 1 $225,000 $225,000 $11,340 7.49%
Richmond-Berea, KY (FHA|USDA|VA) 1 $225,000 $225,000 $0 10.13%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $220,000 $110,000 $6,226 8.50%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $215,000 $215,000 $14,851 9.63%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.13%
ITHACA, NY (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.25%
Cookeville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $12,687 5.63%
ALBANY, GA (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.75%
LINCOLN, NE (FHA|USDA|VA) 1 $195,000 $195,000 $5,848 9.13%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.00%
BATON ROUGE, LA (FHA|USDA|VA) 1 $195,000 $195,000 $0 8.99%
WACO, TX (FHA|USDA|VA) 1 $195,000 $195,000 $9,252 6.63%
RENO, NV (FHA|USDA|VA) 2 $190,000 $95,000 $8,008 8.00%
HINESVILLE, GA (FHA|USDA|VA) 1 $185,000 $185,000 $0 8.88%
Newport, TN (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.63%
ERIE, PA (FHA|USDA|VA) 1 $185,000 $185,000 $0 9.88%
Pahrump, NV (FHA|USDA|VA) 1 $175,000 $175,000 $0 8.13%
Greensburg, IN (FHA|USDA|VA) 1 $175,000 $175,000 $0 9.38%
PEORIA, IL (FHA|USDA|VA) 1 $175,000 $175,000 $0 9.25%
RAPID CITY, SD (FHA|USDA|VA) 1 $175,000 $175,000 $0 9.38%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $175,000 $175,000 $8,365 10.49%
Malone, NY (FHA|USDA|VA) 1 $175,000 $175,000 $9,124 10.25%
Cullowhee, NC (FHA|USDA|VA) 1 $175,000 $175,000 $0 9.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $175,000 $175,000 $0 8.49%
Mineral Wells, TX (FHA|USDA|VA) 1 $175,000 $175,000 $8,146 8.38%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $170,000 $85,000 $0 7.88%
Alice, TX (FHA|USDA|VA) 1 $165,000 $165,000 $0 9.49%
LYNCHBURG, VA (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.25%
Shawnee, OK (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.75%
GADSDEN, AL (FHA|USDA|VA) 1 $155,000 $155,000 $0 11.75%
Thomaston, GA (FHA|USDA|VA) 1 $155,000 $155,000 $0 9.13%
Searcy, AR (FHA|USDA|VA) 1 $155,000 $155,000 $0 9.88%
DANVILLE, IL (FHA|USDA|VA) 1 $145,000 $145,000 $0 9.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.99%
Branson, MO (FHA|USDA|VA) 1 $135,000 $135,000 $0 9.49%
Bartlesville, OK (FHA|USDA|VA) 1 $135,000 $135,000 $0 8.13%
Bay City, TX (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.63%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $125,000 $125,000 $0 9.13%
LAREDO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $7,029 9.38%
Gainesville, TX (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.25%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.25%
ROCKFORD, IL (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.99%
Concord, NH (FHA|USDA|VA) 1 $125,000 $125,000 $0 9.99%
AKRON, OH (FHA|USDA|VA) 1 $115,000 $115,000 $0 9.63%
Rochelle, IL (FHA|USDA|VA) 1 $115,000 $115,000 $0 9.25%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $115,000 $115,000 $0 10.88%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $115,000 $115,000 $0 7.88%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $115,000 $115,000 $0 8.75%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $115,000 $115,000 $5,103 12.25%
Lumberton, NC (FHA|USDA|VA) 1 $105,000 $105,000 $5,224 10.75%
ODESSA, TX (FHA|USDA|VA) 1 $105,000 $105,000 $0 8.63%
MUNCIE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.88%
KOKOMO, IN (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.99%
Elizabeth City, NC (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.99%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $85,000 $85,000 $0 15.49%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $85,000 $85,000 $0 9.38%
BAY CITY, MI (FHA|USDA|VA) 1 $75,000 $75,000 $0 10.75%
Gloversville, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.75%
MERCED, CA (FHA|USDA|VA) 1 $55,000 $55,000 $0 14.49%
JACKSON, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.38%
A&d Mortgage's top markets include Miami, New York, Los Angeles, Orlando, and Dallas among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 6,122 $2,381,330,000 $388,979 $17,226 8.75%
    FHA 37 $14,755,000 $398,784 $22,154 6.44%

    For 2023, A&d Mortgage's most frequently originated type of loan was Conventional, with 6,122 originations. Their 2nd most popular type was FHA, with 37 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,329 $1,750,245,000 $404,307 $17,860 8.55%
    Cash Out Refi 1,522 $509,930,000 $335,039 $14,525 9.31%
    Refi 308 $135,910,000 $441,266 $19,093 8.53%

    For 2023, A&d Mortgage's most frequently cited loan purpose was Home Purchase, with 4,329 originations. The 2nd most popular reason was Cash Out Refi, with 1,522 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 6,095 $2,362,235,000 $387,569 $17,260 8.73%
    30+ year 50 $28,600,000 $572,000 $26,784 8.96%
    5 Year 7 $3,875,000 $553,571 $0 14.64%
    15 Year 6 $1,210,000 $201,667 $11,752 6.67%
    20 Year 1 $165,000 $165,000 $11,701 5.75%

    For 2023, A&d Mortgage's most frequently cited loan duration was 30 Year, with 6,095 originations. The 2nd most popular length was 30+ year, with 50 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,568 $1,247,750,000 $485,884
    $4k-5k 147 $24,325,000 $165,476
    $1k-2k 118 $47,630,000 $403,644
    $3k-4k 85 $13,565,000 $159,588
    $2k-3k 50 $9,240,000 $184,800
    $<1k 16 $5,140,000 $321,250

    A&d Mortgage's average total fees were $17,260, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,568 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 4,408 $1,713,010,000 $388,614
    7-8% 1,378 $536,600,000 $389,405
    6-7% 292 $115,500,000 $395,548
    5-6% 80 $30,630,000 $382,875
    4-5% 1 $345,000 $345,000

    During 2023, A&d Mortgage's average interest rate for loans was 8.73%, while their most frequently originated rate bucket for loans was Over 8%, with 4,408 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,404 $700,130,000 $291,235 $13,328 8.63%
    $100k-200k 1,509 $225,635,000 $149,526 $8,531 8.90%
    $400k-600k 1,194 $583,090,000 $488,350 $19,456 8.56%
    $600k-1MM 608 $446,910,000 $735,049 $25,337 8.62%
    $1MM+ 281 $426,915,000 $1,519,270 $42,401 8.82%
    $100,000 or less 163 $13,405,000 $82,239 $5,947 10.37%

    2023 saw A&d Mortgage place emphasis on $200k-400k loans with 2,404 originations, totaling $700,130,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 1,194 $786,920,000 $659,062 $23,453 8.95%
    $150k-250k 895 $374,535,000 $418,475 $17,182 8.73%
    $100k-150k 697 $229,585,000 $329,390 $14,735 8.39%
    $75k-100k 353 $86,665,000 $245,510 $11,645 8.29%
    $50k-75k 266 $50,230,000 $188,835 $9,642 8.10%
    $50k or less 75 $12,225,000 $163,000 $8,927 8.35%

    A&d Mortgage lent most frequently to those with incomes in the $250k+ range, with 1,194 originations. The second most popular income band? $150k-250k, with 895 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 1,981 $676,995,000 $341,744 $18,228 9.00%
    20-30% 541 $227,225,000 $420,009 $16,638 8.89%
    30-36% 497 $215,095,000 $432,787 $17,690 8.65%
    49% 198 $84,110,000 $424,798 $16,654 8.48%
    43% 152 $66,140,000 $435,132 $17,290 8.58%
    48% 139 $59,695,000 $429,460 $16,172 8.36%
    41% 137 $61,905,000 $451,861 $16,338 8.57%
    45% 135 $65,605,000 $485,963 $18,062 8.36%
    44% 128 $58,870,000 $459,922 $18,035 8.40%
    50-60% 121 $48,525,000 $401,033 $17,427 8.03%
    46% 119 $53,165,000 $446,765 $17,043 8.49%
    40% 119 $49,695,000 $417,605 $15,989 8.71%
    47% 115 $48,655,000 $423,087 $15,727 8.50%
    42% 113 $54,545,000 $482,699 $18,388 8.51%
    38% 112 $54,890,000 $490,089 $17,724 8.67%
    37% 112 $51,050,000 $455,804 $19,842 8.39%
    36% 97 $35,865,000 $369,742 $14,938 8.83%
    39% 94 $46,650,000 $496,277 $19,028 8.44%
    >60% 7 $1,135,000 $162,143 $10,087 9.52%

    A&d Mortgage lent most frequently to those with DTI ratios of <20%, with 1,981 originations. The next most common DTI ratio? 20-30%, with 541 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,497 $1,364,785,000 $390,273 $17,536 8.70%
    Not provided 1,192 $459,110,000 $385,159 $16,814 8.89%
    Asian 707 $313,035,000 $442,765 $17,248 8.57%
    Black 441 $143,195,000 $324,705 $15,457 8.81%
    Not applicable 248 $78,970,000 $318,427 $13,140 8.74%
    Asian Indian 19 $12,355,000 $650,263 $25,378 9.27%
    Other Asian 9 $8,205,000 $911,667 $43,954 8.68%
    American Indian 26 $8,070,000 $310,385 $15,078 9.14%
    Chinese 4 $2,940,000 $735,000 $25,708 8.78%
    Filipino 5 $2,315,000 $463,000 $15,793 9.10%
    Native Hawaiian or Islander 5 $1,245,000 $249,000 $10,864 9.85%
    Vietnamese 4 $1,070,000 $267,500 $10,210 7.90%
    Other Pacific Islander 2 $790,000 $395,000 $19,651 8.68%

    Approval Rates

    Total approvals of all applications
    93.46%

    A&d Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    44.83%

    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 6,159 $2,396,085,000 $389,038

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,159 $2,396,085,000 $389,038

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 320 $88,840,000 $277,625 $11,921 9.67%
    40-60% 712 $249,820,000 $350,871 $14,702 8.46%
    60-80% 3,690 $1,404,000,000 $380,488 $17,495 8.68%
    80-100% 1,285 $625,075,000 $486,440 $19,426 8.51%
    Under 20% 152 $28,350,000 $186,513 $9,651 11.44%