A&d Mortgage Rates, Fees & Info

Hollywood, FL

LEI: 2549005SIVTHG14U2905

Tax ID: 80-0832417

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

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • 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

    4,820

    Origination Dollar Volume (All Markets)

    $2,123,840,000

    Relative 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%
    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.

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

    We use machine learning to identify the top lenders compared against A&D Mortgage based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 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

    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 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

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 3,394 $1,702,750,000 $501,694
    $4k-5k 386 $91,470,000 $236,969
    $1k-2k 358 $135,850,000 $379,469
    $<1k 241 $86,705,000 $359,772
    $3k-4k 234 $52,820,000 $225,726
    $2k-3k 207 $54,245,000 $262,053

    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

    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 for loans was 4.36%, while their most frequently originated rate bucket for loans was 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 or Islander 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
    91.00%

    A&d Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    55.73%

    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

    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%