A&d Mortgage Rates, Fees & Info
Hollywood, FLLEI: 2549005SIVTHG14U2905
Tax ID: 80-0832417
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage 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
4,820Origination Dollar Volume (All Markets)
$2,123,840,000Relative 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% |
| 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% |
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 applications85.51%
A&d Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination54.86%
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% |
