A&d Mortgage Rates, Fees & Info

Hollywood, FL

LEI: 2549005SIVTHG14U2905

Tax ID: 80-0832417

1 stars - out of 5 stars, based on 69 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


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 include Miami, New York, Los Angeles, Orlando, and San Francisco among others. A&d Mortgage has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. A&d Mortgage is typically a high fee lendor.


Originations

4,820

Origination Dollar Volume (All Markets)

$2,123,840,000

Relative Rate

A&d Mortgage 's average 30 year fixed rate mortgage of loans were 4.36%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 1.21%.

Relative Fees

A&d Mortgage 's average total fees for a 30 year fixed rate mortgage are $13,755.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

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%
CaƱon 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%

A&d Mortgage 's top markets include Miami, New York, Los Angeles, Orlando, and San Francisco among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average 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 the 2021 period, A&d Mortgage 's most frequently originated loan type of loans were Conventional, with 4,736 originations. Their 2nd most popular type is FHA, with 84 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 2,898 $1,243,110,000 $428,954 $14,170 4.50%
Cash Out Refi 1,216 $546,560,000 $449,474 $13,486 4.25%
Refi 706 $334,170,000 $473,329 $11,100 3.62%

For the 2021, A&d Mortgage 's most frequently cited loan purpose of loans were Home Purchase, with 2,898 originations. The 2nd most popular reason of loans were Cash Out Refi, with 1,216 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 4,652 $2,071,220,000 $445,232 $13,755 4.36%
15 Year 125 $34,505,000 $276,040 $6,840 2.73%
20 Year 28 $9,090,000 $324,643 $7,896 2.92%
Other 8 $3,470,000 $433,750 $14,272 3.45%
30+ year 7 $5,555,000 $793,571 $17,474 4.45%

For the 2021, A&d Mortgage 's most frequently cited loan length of loans were 30 Year, with 4,652 originations. The 2nd most popular length of loans were 15 Year, with 125 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$5k+ 3,394 $1,702,750,000 $501,694
$3k-4k 620 $144,290,000 $232,726
$1k-2k 358 $135,850,000 $379,469
$<1k 241 $86,705,000 $359,772
$2k-3k 207 $54,245,000 $262,053

$13,755 of loans were A&d Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $5k+ bucket, with 3,394 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
4-5% 1,704 $757,540,000 $444,566
3-4% 1,330 $613,910,000 $461,586
5-6% 902 $378,690,000 $419,834
2.5-3% 568 $254,790,000 $448,574
6-7% 174 $66,610,000 $382,816
<2.5% 111 $37,665,000 $339,324
7-8% 28 $13,390,000 $478,214
Over 8% 3 $1,245,000 $415,000

During 2021, A&d Mortgage 's average interest rate of loans were 4.36%, while their most frequently originated rate bucket of loans were 4-5%, with 1,704 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 1,861 $544,365,000 $292,512 $11,026 4.27%
$400k-600k 1,044 $507,950,000 $486,542 $14,354 4.20%
$100k-200k 934 $142,490,000 $152,559 $7,568 4.49%
$600k-1MM 585 $441,665,000 $754,983 $20,067 4.35%
$1MM+ 328 $481,660,000 $1,468,476 $32,345 4.26%
$100,000 or less 68 $5,710,000 $83,971 $5,550 4.22%

2021 saw A&d Mortgage place emphasis on $200k-400k loans with 1,861 originations, totaling $544,365,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 1,366 $445,310,000 $325,996 $12,628 4.73%
$250k+ 940 $731,310,000 $777,989 $20,068 4.36%
$150k-250k 789 $385,155,000 $488,156 $13,966 4.21%
$100k-150k 777 $293,725,000 $378,024 $11,511 4.04%
$75k-100k 522 $165,120,000 $316,322 $10,559 4.04%
$50k-75k 419 $101,545,000 $242,351 $8,701 3.80%

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

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
<20% 1,736 $676,840,000 $389,885 $14,073 4.76%
20-30% 636 $291,790,000 $458,789 $13,415 4.21%
30-36% 558 $261,400,000 $468,459 $13,315 4.11%
44% 164 $72,510,000 $442,134 $12,600 3.78%
49% 146 $69,070,000 $473,082 $14,107 4.02%
43% 144 $66,330,000 $460,625 $12,321 3.94%
40% 139 $65,265,000 $469,532 $13,383 3.96%
42% 134 $70,200,000 $523,881 $14,189 3.89%
41% 132 $62,840,000 $476,061 $12,677 3.92%
38% 127 $65,545,000 $516,102 $14,321 4.00%
37% 123 $59,145,000 $480,854 $13,646 4.08%
36% 121 $58,845,000 $486,322 $13,555 4.12%
47% 119 $55,415,000 $465,672 $12,892 4.03%
45% 118 $51,370,000 $435,339 $11,306 4.19%
46% 114 $52,590,000 $461,316 $12,487 3.99%
48% 111 $46,805,000 $421,667 $12,061 4.03%
39% 102 $53,010,000 $519,706 $13,526 4.07%
50-60% 78 $39,300,000 $503,846 $15,715 3.72%
>60% 12 $4,270,000 $355,833 $11,164 4.06%

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

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 3,118 $1,379,450,000 $442,415 $13,658 4.28%
Not provided 884 $390,910,000 $442,206 $13,198 4.45%
Asian 486 $228,310,000 $469,774 $13,694 4.10%
Black 293 $110,205,000 $376,126 $13,109 4.45%
American Indian 27 $11,235,000 $416,111 $14,072 4.44%
Native Hawaiian 5 $1,905,000 $381,000 $16,440 5.37%
Not applicable 6 $1,300,000 $216,667 $10,757 5.37%
Other Asian 1 $525,000 $525,000 $23,932 4.63%

Approval Rates

Total approvals of all applications
85.51%

A&d Mortgage has an average approval rate.

Pick Rate

Approvals leading to origination
54.86%

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

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 173 $61,445,000 $355,173 $9,702 3.69%
40-60% 677 $321,775,000 $475,295 $12,876 3.94%
60-80% 2,745 $1,169,575,000 $426,075 $13,634 4.43%
80-100% 1,212 $564,740,000 $465,957 $14,264 4.33%
Under 20% 11 $3,725,000 $338,636 $11,486 3.57%