A&d Mortgage Rates, Fees & Info

Hollywood, FL

LEI: 2549005SIVTHG14U2905

Tax ID: 80-0832417

1 stars - Updated: 4/5/25

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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, Orlando, Los Angeles, and Tampa among others. We have data for 326 markets. (Some data included below & more in-depth data is available with an active subscription.)

A&d Mortgage has an 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	7.95%	4/5/25
30 Year Conventional Refi	8.07%	4/5/25
30 Year Cash-out Refi	9.64%	4/5/25
30 Year FHA Purchase	7.36%	4/5/25
30 Year FHA Refi	6.72%	4/5/25
15 Year Conventional Purchase	6.16%	4/5/25
15 Year Conventional Refi	6.06%	4/5/25
15 Year Cash-out Refi	6.06%	4/5/25
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

Purchase Price:

Loan Amount:

Deposit Amount:

% Deposit:

Interest Rate:

Loan Type:

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

8,404

Origination Dollar Volume (All Markets)

$2,952,000,000

Relative Rate

A&d Mortgage's average 30 year fixed mortgage rate was 8.04%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 1.49%.

Relative Fees (Closing Costs)

A&d Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $14,527.

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 $8,356.

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)	2,652	$977,130,000	$368,450	$16,172	7.89%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	831	$409,785,000	$493,123	$16,858	8.45%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	590	$182,390,000	$309,136	$16,165	7.86%
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	175	$88,935,000	$508,200	$14,160	8.90%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	242	$69,300,000	$286,364	$12,262	7.79%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	246	$67,670,000	$275,081	$12,098	7.76%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	197	$60,235,000	$305,761	$14,503	8.19%
Outside of Metro Areas	191	$56,765,000	$297,199	$12,124	7.99%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	136	$53,640,000	$394,412	$13,003	7.93%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	128	$37,000,000	$289,063	$13,996	7.75%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	69	$36,955,000	$535,580	$12,163	8.87%
LAKELAND-WINTER HAVEN, FL (FHA\|USDA\|VA)	148	$36,230,000	$244,797	$12,658	7.90%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	102	$35,030,000	$343,431	$16,024	7.88%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	80	$34,980,000	$437,250	$14,479	8.29%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	104	$34,780,000	$334,423	$14,938	8.20%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	87	$32,715,000	$376,034	$16,707	7.87%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	88	$30,940,000	$351,591	$10,857	8.38%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	95	$29,065,000	$305,947	$9,904	8.21%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA\|USDA\|VA)	111	$28,535,000	$257,072	$12,382	7.99%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	40	$25,420,000	$635,500	$14,852	8.12%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	61	$24,485,000	$401,393	$10,166	7.59%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	77	$24,375,000	$316,558	$12,915	7.99%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	41	$21,465,000	$523,537	$12,282	7.41%
JACKSONVILLE, FL (FHA\|USDA\|VA)	74	$18,760,000	$253,514	$12,956	7.90%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	46	$18,370,000	$399,348	$10,721	8.93%
Key West, FL (FHA\|USDA\|VA)	22	$17,470,000	$794,091	$20,705	8.60%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	40	$16,710,000	$417,750	$14,341	8.32%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	31	$15,435,000	$497,903	$19,937	8.02%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA\|USDA\|VA)	56	$14,630,000	$261,250	$13,411	7.63%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	35	$13,905,000	$397,286	$11,852	8.27%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA\|USDA\|VA)	47	$13,305,000	$283,085	$10,685	8.18%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA\|USDA\|VA)	42	$13,080,000	$311,429	$13,266	8.34%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	36	$13,050,000	$362,500	$13,779	7.77%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA\|USDA\|VA)	46	$12,550,000	$272,826	$11,248	8.26%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	40	$10,810,000	$270,250	$15,059	8.01%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	36	$10,590,000	$294,167	$14,594	7.87%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	30	$10,150,000	$338,333	$10,415	7.64%
OCALA, FL (FHA\|USDA\|VA)	43	$9,085,000	$211,279	$11,819	7.74%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA\|USDA\|VA)	29	$9,025,000	$311,207	$11,804	8.00%
ALBANY-SCHENECTADY-TROY, NY (FHA\|USDA\|VA)	35	$8,485,000	$242,429	$12,177	7.82%
PROVIDENCE-WARWICK, RI-MA (FHA\|USDA\|VA)	23	$8,125,000	$353,261	$12,815	7.69%
PUNTA GORDA, FL (FHA\|USDA\|VA)	29	$8,085,000	$278,793	$12,440	7.65%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA\|USDA\|VA)	15	$6,885,000	$459,000	$13,465	8.32%
RICHMOND, VA (FHA\|USDA\|VA)	23	$6,485,000	$281,957	$8,311	7.88%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	17	$6,445,000	$379,118	$10,584	8.06%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	13	$6,375,000	$490,385	$11,302	8.24%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	14	$6,360,000	$454,286	$12,363	8.04%
CHARLESTON-NORTH CHARLESTON, SC (FHA\|USDA\|VA)	20	$5,740,000	$287,000	$11,224	8.85%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	21	$5,515,000	$262,619	$14,670	7.65%
TRENTON-PRINCETON, NJ (FHA\|USDA\|VA)	18	$5,170,000	$287,222	$15,579	7.84%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	21	$4,895,000	$233,095	$13,304	7.94%
SEBRING-AVON PARK, FL (FHA\|USDA\|VA)	19	$4,745,000	$249,737	$11,751	7.72%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA\|USDA\|VA)	10	$4,740,000	$474,000	$10,835	8.17%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	23	$4,645,000	$201,957	$7,784	8.63%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA\|USDA\|VA)	17	$4,575,000	$269,118	$14,695	8.09%
PANAMA CITY, FL (FHA\|USDA\|VA)	16	$4,080,000	$255,000	$12,919	7.77%
BUFFALO-CHEEKTOWAGA, NY (FHA\|USDA\|VA)	21	$3,855,000	$183,571	$9,091	7.87%
WORCESTER, MA-CT (FHA\|USDA\|VA)	13	$3,635,000	$279,615	$13,620	8.40%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	7	$3,595,000	$513,571	$16,113	7.35%
OKLAHOMA CITY, OK (FHA\|USDA\|VA)	15	$3,575,000	$238,333	$6,123	7.52%
BROWNSVILLE-HARLINGEN, TX (FHA\|USDA\|VA)	11	$3,535,000	$321,364	$11,824	8.34%
VALLEJO, CA (FHA\|USDA\|VA)	8	$3,520,000	$440,000	$13,475	8.47%
Edwards, CO (FHA\|USDA\|VA)	4	$3,500,000	$875,000	$37,118	8.25%
TUCSON, AZ (FHA\|USDA\|VA)	12	$3,460,000	$288,333	$7,138	7.49%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	10	$3,400,000	$340,000	$22,335	8.20%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	11	$3,355,000	$305,000	$15,096	8.50%
GREENVILLE-ANDERSON, SC (FHA\|USDA\|VA)	12	$3,300,000	$275,000	$10,214	7.58%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	10	$3,270,000	$327,000	$21,799	9.15%
GAINESVILLE, FL (FHA\|USDA\|VA)	12	$3,240,000	$270,000	$9,124	7.09%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	15	$3,145,000	$209,667	$6,576	8.31%
JACKSONVILLE, NC (FHA\|USDA\|VA)	10	$3,120,000	$312,000	$10,947	8.55%
BIRMINGHAM-HOOVER, AL (FHA\|USDA\|VA)	17	$3,065,000	$180,294	$5,094	7.68%
MCALLEN-EDINBURG-MISSION, TX (FHA\|USDA\|VA)	16	$3,050,000	$190,625	$10,590	8.52%
SCRANTON--WILKES-BARRE, PA (FHA\|USDA\|VA)	18	$3,040,000	$168,889	$10,117	8.45%
EAST STROUDSBURG, PA (FHA\|USDA\|VA)	12	$2,930,000	$244,167	$9,333	8.46%
COLUMBUS, OH (FHA\|USDA\|VA)	14	$2,900,000	$207,143	$4,453	7.82%
FORT COLLINS, CO (FHA\|USDA\|VA)	7	$2,825,000	$403,571	$9,446	7.57%
STOCKTON, CA (FHA\|USDA\|VA)	7	$2,685,000	$383,571	$10,949	7.95%
FRESNO, CA (FHA\|USDA\|VA)	7	$2,645,000	$377,857	$14,427	7.30%
KNOXVILLE, TN (FHA\|USDA\|VA)	11	$2,635,000	$239,545	$15,301	9.06%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	6	$2,490,000	$415,000	$12,957	8.67%
MODESTO, CA (FHA\|USDA\|VA)	6	$2,460,000	$410,000	$8,704	7.83%
LOUISVILLE, KY (FHA\|USDA\|VA)	10	$2,440,000	$244,000	$12,303	8.07%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA\|USDA\|VA)	11	$2,415,000	$219,545	$12,407	7.94%
BAKERSFIELD, CA (FHA\|USDA\|VA)	9	$2,405,000	$267,222	$12,715	9.65%
CLEVELAND-ELYRIA, OH (FHA\|USDA\|VA)	17	$2,315,000	$136,176	$8,640	7.86%
TALLAHASSEE, FL (FHA\|USDA\|VA)	13	$2,305,000	$177,308	$10,196	7.59%
Sevierville, TN (FHA\|USDA\|VA)	5	$2,255,000	$451,000	$13,596	7.87%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	7	$2,255,000	$322,143	$8,700	7.54%
EL CENTRO, CA (FHA\|USDA\|VA)	10	$2,230,000	$223,000	$9,817	8.56%
KINGSTON, NY (FHA\|USDA\|VA)	6	$2,220,000	$370,000	$8,292	7.63%
HARRISBURG-CARLISLE, PA (FHA\|USDA\|VA)	10	$2,200,000	$220,000	$17,448	8.65%
SALINAS, CA (FHA\|USDA\|VA)	7	$2,195,000	$313,571	$9,905	8.80%
Durango, CO (FHA\|USDA\|VA)	2	$2,080,000	$1,040,000	$7,040	9.93%
BINGHAMTON, NY (FHA\|USDA\|VA)	14	$2,070,000	$147,857	$7,066	7.64%
RENO, NV (FHA\|USDA\|VA)	6	$1,970,000	$328,333	$11,377	8.77%
MANCHESTER-NASHUA, NH (FHA\|USDA\|VA)	4	$1,930,000	$482,500	$22,301	8.09%
MOBILE, AL (FHA\|USDA\|VA)	7	$1,915,000	$273,571	$0	7.52%
WILMINGTON, NC (FHA\|USDA\|VA)	5	$1,875,000	$375,000	$19,363	7.60%
PITTSBURGH, PA (FHA\|USDA\|VA)	5	$1,755,000	$351,000	$16,607	7.92%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	9	$1,735,000	$192,778	$11,691	8.26%
Clewiston, FL (FHA\|USDA\|VA)	8	$1,690,000	$211,250	$12,234	7.73%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	2	$1,670,000	$835,000	$12,955	7.18%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	3	$1,635,000	$545,000	$14,706	8.04%
VINELAND-BRIDGETON, NJ (FHA\|USDA\|VA)	7	$1,605,000	$229,286	$10,134	7.23%
READING, PA (FHA\|USDA\|VA)	7	$1,555,000	$222,143	$16,498	7.66%
PORTLAND-SOUTH PORTLAND, ME (FHA\|USDA\|VA)	4	$1,550,000	$387,500	$21,745	9.19%
Okeechobee, FL (FHA\|USDA\|VA)	7	$1,545,000	$220,714	$12,788	8.12%
THE VILLAGES, FL (FHA\|USDA\|VA)	5	$1,445,000	$289,000	$13,012	7.37%
PROVO-OREM, UT (FHA\|USDA\|VA)	5	$1,385,000	$277,000	$20,653	9.97%
ATLANTIC CITY-HAMMONTON, NJ (FHA\|USDA\|VA)	8	$1,360,000	$170,000	$8,149	8.70%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	3	$1,355,000	$451,667	$17,193	6.96%
SANTA MARIA-SANTA BARBARA, CA (FHA\|USDA\|VA)	2	$1,320,000	$660,000	$15,625	8.31%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	5	$1,315,000	$263,000	$16,087	8.52%
ROCKFORD, IL (FHA\|USDA\|VA)	6	$1,300,000	$216,667	$10,906	8.81%
LUBBOCK, TX (FHA\|USDA\|VA)	3	$1,245,000	$415,000	$17,911	8.25%
MONTGOMERY, AL (FHA\|USDA\|VA)	8	$1,220,000	$152,500	$6,693	7.28%
LAKE HAVASU CITY-KINGMAN, AZ (FHA\|USDA\|VA)	7	$1,215,000	$173,571	$7,208	7.93%
GAINESVILLE, GA (FHA\|USDA\|VA)	5	$1,165,000	$233,000	$15,898	8.67%
SPOKANE-SPOKANE VALLEY, WA (FHA\|USDA\|VA)	4	$1,150,000	$287,500	$13,010	8.44%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA\|USDA\|VA)	4	$1,130,000	$282,500	$11,580	8.37%
SPRINGFIELD, MA (FHA\|USDA\|VA)	3	$1,115,000	$371,667	$0	8.45%
BARNSTABLE TOWN, MA (FHA\|USDA\|VA)	3	$1,105,000	$368,333	$0	7.96%
FLAGSTAFF, AZ (FHA\|USDA\|VA)	3	$1,095,000	$365,000	$9,709	8.16%
BEND, OR (FHA\|USDA\|VA)	4	$1,070,000	$267,500	$7,959	9.22%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	6	$1,060,000	$176,667	$6,783	7.50%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA\|USDA\|VA)	7	$1,055,000	$150,714	$14,349	8.51%
Astoria, OR (FHA\|USDA\|VA)	2	$1,050,000	$525,000	$17,497	8.31%
SYRACUSE, NY (FHA\|USDA\|VA)	5	$1,045,000	$209,000	$7,426	8.15%
ASHEVILLE, NC (FHA\|USDA\|VA)	2	$1,030,000	$515,000	$0	8.49%
HUNTSVILLE, AL (FHA\|USDA\|VA)	1	$1,025,000	$1,025,000	$29,206	7.88%
YORK-HANOVER, PA (FHA\|USDA\|VA)	4	$1,000,000	$250,000	$6,796	8.75%
GREELEY, CO (FHA\|USDA\|VA)	4	$1,000,000	$250,000	$8,814	8.50%
BELLINGHAM, WA (FHA\|USDA\|VA)	2	$1,000,000	$500,000	$0	7.94%
Clearlake, CA (FHA\|USDA\|VA)	4	$1,000,000	$250,000	$12,323	8.28%
EUGENE-SPRINGFIELD, OR (FHA\|USDA\|VA)	5	$985,000	$197,000	$0	7.75%
Georgetown, SC (FHA\|USDA\|VA)	1	$985,000	$985,000	$26,382	7.25%
BEAUMONT-PORT ARTHUR, TX (FHA\|USDA\|VA)	3	$965,000	$321,667	$16,307	7.74%
SALISBURY, MD-DE (FHA\|USDA\|VA)	4	$960,000	$240,000	$13,954	8.75%
AKRON, OH (FHA\|USDA\|VA)	4	$950,000	$237,500	$10,225	7.91%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	5	$925,000	$185,000	$13,478	7.60%
HICKORY-LENOIR-MORGANTON, NC (FHA\|USDA\|VA)	4	$920,000	$230,000	$15,174	7.59%
BOISE CITY, ID (FHA\|USDA\|VA)	3	$895,000	$298,333	$12,668	7.54%
AMARILLO, TX (FHA\|USDA\|VA)	1	$865,000	$865,000	$34,046	7.38%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	3	$845,000	$281,667	$12,831	7.20%
Show Low, AZ (FHA\|USDA\|VA)	2	$840,000	$420,000	$9,569	8.63%
Hudson, NY (FHA\|USDA\|VA)	2	$820,000	$410,000	$9,471	7.13%
IDAHO FALLS, ID (FHA\|USDA\|VA)	2	$810,000	$405,000	$0	7.56%
CLARKSVILLE, TN-KY (FHA\|USDA\|VA)	4	$780,000	$195,000	$5,248	6.88%
COLUMBIA, SC (FHA\|USDA\|VA)	5	$765,000	$153,000	$10,080	8.95%
BOULDER, CO (FHA\|USDA\|VA)	4	$750,000	$187,500	$8,858	9.28%
Heber, UT (FHA\|USDA\|VA)	3	$735,000	$245,000	$13,025	10.20%
SALEM, OR (FHA\|USDA\|VA)	1	$735,000	$735,000	$9,114	8.99%
DALTON, GA (FHA\|USDA\|VA)	2	$730,000	$365,000	$0	7.37%
Palatka, FL (FHA\|USDA\|VA)	4	$720,000	$180,000	$7,945	7.78%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	4	$710,000	$177,500	$0	6.77%
WINCHESTER, VA-WV (FHA\|USDA\|VA)	3	$705,000	$235,000	$10,104	8.37%
Bonham, TX (FHA\|USDA\|VA)	2	$660,000	$330,000	$0	8.68%
Malone, NY (FHA\|USDA\|VA)	1	$655,000	$655,000	$0	8.49%
SAVANNAH, GA (FHA\|USDA\|VA)	3	$655,000	$218,333	$0	7.29%
ANNISTON-OXFORD, AL (FHA\|USDA\|VA)	2	$650,000	$325,000	$14,275	8.74%
Hermiston-Pendleton, OR (FHA\|USDA\|VA)	3	$645,000	$215,000	$0	7.70%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA\|USDA\|VA)	5	$635,000	$127,000	$7,426	8.20%
AUBURN-OPELIKA, AL (FHA\|USDA\|VA)	3	$635,000	$211,667	$11,143	9.04%
FLORENCE, SC (FHA\|USDA\|VA)	2	$630,000	$315,000	$5,904	6.94%
SPARTANBURG, SC (FHA\|USDA\|VA)	3	$625,000	$208,333	$11,791	7.92%
Laconia, NH (FHA\|USDA\|VA)	2	$620,000	$310,000	$13,182	7.18%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	2	$620,000	$310,000	$7,175	6.69%
CHATTANOOGA, TN-GA (FHA\|USDA\|VA)	2	$610,000	$305,000	$18,129	8.31%
VISALIA, CA (FHA\|USDA\|VA)	3	$605,000	$201,667	$0	8.21%
Lawrenceburg, TN (FHA\|USDA\|VA)	2	$600,000	$300,000	$9,598	7.81%
JACKSON, MS (FHA\|USDA\|VA)	3	$585,000	$195,000	$8,335	6.83%
Sonora, CA (FHA\|USDA\|VA)	4	$580,000	$145,000	$6,006	9.44%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA\|USDA\|VA)	2	$580,000	$290,000	$12,691	8.69%
GREENSBORO-HIGH POINT, NC (FHA\|USDA\|VA)	2	$580,000	$290,000	$14,952	8.18%
ITHACA, NY (FHA\|USDA\|VA)	2	$570,000	$285,000	$0	8.43%
LANCASTER, PA (FHA\|USDA\|VA)	2	$570,000	$285,000	$0	8.31%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	3	$565,000	$188,333	$5,434	7.25%
Athens, TX (FHA\|USDA\|VA)	3	$555,000	$185,000	$6,991	9.16%
HOMOSASSA SPRINGS, FL (FHA\|USDA\|VA)	3	$535,000	$178,333	$6,815	7.33%
Concord, NH (FHA\|USDA\|VA)	3	$535,000	$178,333	$5,320	7.58%
POCATELLO, ID (FHA\|USDA\|VA)	2	$530,000	$265,000	$0	8.56%
ROCHESTER, NY (FHA\|USDA\|VA)	3	$525,000	$175,000	$0	8.75%
Gloversville, NY (FHA\|USDA\|VA)	2	$520,000	$260,000	$6,511	7.56%
CLEVELAND, TN (FHA\|USDA\|VA)	2	$520,000	$260,000	$0	7.25%
Roseburg, OR (FHA\|USDA\|VA)	3	$505,000	$168,333	$0	7.50%
Olean, NY (FHA\|USDA\|VA)	1	$505,000	$505,000	$0	8.63%
LOGAN, UT-ID (FHA\|USDA\|VA)	1	$505,000	$505,000	$4,708	6.13%
Morehead City, NC (FHA\|USDA\|VA)	2	$500,000	$250,000	$6,051	7.25%
UTICA-ROME, NY (FHA\|USDA\|VA)	3	$485,000	$161,667	$0	7.41%
Oneonta, NY (FHA\|USDA\|VA)	2	$480,000	$240,000	$15,388	9.81%
WICHITA FALLS, TX (FHA\|USDA\|VA)	1	$475,000	$475,000	$9,465	7.49%
BURLINGTON, NC (FHA\|USDA\|VA)	3	$475,000	$158,333	$8,425	8.25%
MEDFORD, OR (FHA\|USDA\|VA)	2	$470,000	$235,000	$5,201	9.81%
SANTA ROSA-PETALUMA, CA (FHA\|USDA\|VA)	2	$470,000	$235,000	$4,273	8.94%
ROCKY MOUNT, NC (FHA\|USDA\|VA)	2	$460,000	$230,000	$7,019	7.81%
YAKIMA, WA (FHA\|USDA\|VA)	2	$460,000	$230,000	$8,671	8.49%
CARSON CITY, NV (FHA\|USDA\|VA)	1	$455,000	$455,000	$0	10.25%
LYNCHBURG, VA (FHA\|USDA\|VA)	2	$450,000	$225,000	$0	8.50%
CANTON-MASSILLON, OH (FHA\|USDA\|VA)	3	$445,000	$148,333	$9,202	7.21%
Clarksdale, MS (FHA\|USDA\|VA)	2	$440,000	$220,000	$0	8.94%
Tullahoma-Manchester, TN (FHA\|USDA\|VA)	2	$440,000	$220,000	$8,948	8.06%
Truckee-Grass Valley, CA (FHA\|USDA\|VA)	2	$430,000	$215,000	$9,586	7.81%
Eagle Pass, TX (FHA\|USDA\|VA)	2	$420,000	$210,000	$15,597	7.13%
RACINE, WI (FHA\|USDA\|VA)	2	$410,000	$205,000	$6,998	7.56%
CHICO, CA (FHA\|USDA\|VA)	1	$405,000	$405,000	$17,397	7.38%
OLYMPIA-LACEY-TUMWATER, WA (FHA\|USDA\|VA)	1	$405,000	$405,000	$11,588	6.63%
Cullowhee, NC (FHA\|USDA\|VA)	1	$405,000	$405,000	$0	7.49%
ELIZABETHTOWN-FORT KNOX, KY (FHA\|USDA\|VA)	2	$400,000	$200,000	$9,979	6.75%
EL PASO, TX (FHA\|USDA\|VA)	2	$400,000	$200,000	$9,292	7.93%
Prineville, OR (FHA\|USDA\|VA)	1	$395,000	$395,000	$0	10.63%
Marion, NC (FHA\|USDA\|VA)	1	$395,000	$395,000	$0	7.88%
PITTSFIELD, MA (FHA\|USDA\|VA)	2	$390,000	$195,000	$0	8.37%
Albemarle, NC (FHA\|USDA\|VA)	2	$380,000	$190,000	$0	8.00%
BRUNSWICK, GA (FHA\|USDA\|VA)	1	$375,000	$375,000	$0	8.13%
Oak Harbor, WA (FHA\|USDA\|VA)	2	$370,000	$185,000	$0	8.37%
Gainesville, TX (FHA\|USDA\|VA)	1	$365,000	$365,000	$0	10.63%
GREENVILLE, NC (FHA\|USDA\|VA)	2	$360,000	$180,000	$7,236	8.19%
HANFORD-CORCORAN, CA (FHA\|USDA\|VA)	1	$355,000	$355,000	$19,651	6.75%
CHEYENNE, WY (FHA\|USDA\|VA)	1	$345,000	$345,000	$0	7.99%
Ontario, OR-ID (FHA\|USDA\|VA)	1	$345,000	$345,000	$8,351	6.38%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	2	$340,000	$170,000	$12,924	9.69%
Outside of Metro Areas	2	$340,000	$170,000	$10,700	10.12%
BLACKSBURG-CHRISTIANSBURG, VA (FHA\|USDA\|VA)	2	$340,000	$170,000	$6,198	6.63%
TERRE HAUTE, IN (FHA\|USDA\|VA)	1	$335,000	$335,000	$0	9.49%
LAREDO, TX (FHA\|USDA\|VA)	2	$330,000	$165,000	$0	8.19%
Steamboat Springs, CO (FHA\|USDA\|VA)	1	$325,000	$325,000	$0	6.88%
ALEXANDRIA, LA (FHA\|USDA\|VA)	1	$315,000	$315,000	$0	7.99%
COLUMBUS, GA-AL (FHA\|USDA\|VA)	2	$310,000	$155,000	$0	7.75%
TULSA, OK (FHA\|USDA\|VA)	1	$295,000	$295,000	$0	7.88%
CHARLOTTESVILLE, VA (FHA\|USDA\|VA)	1	$295,000	$295,000	$9,469	5.63%
GREAT FALLS, MT (FHA\|USDA\|VA)	1	$295,000	$295,000	$11,161	6.88%
WINSTON-SALEM, NC (FHA\|USDA\|VA)	3	$295,000	$98,333	$0	7.13%
Riverton, WY (FHA\|USDA\|VA)	1	$295,000	$295,000	$0	7.75%
OWENSBORO, KY (FHA\|USDA\|VA)	2	$290,000	$145,000	$0	7.12%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	2	$290,000	$145,000	$8,855	7.37%
Easton, MD (FHA\|USDA\|VA)	1	$285,000	$285,000	$0	7.49%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	2	$280,000	$140,000	$0	7.88%
Roanoke Rapids, NC (FHA\|USDA\|VA)	1	$275,000	$275,000	$10,145	6.63%
GRAND RAPIDS-KENTWOOD, MI (FHA\|USDA\|VA)	1	$265,000	$265,000	$15,373	7.13%
Shelbyville, TN (FHA\|USDA\|VA)	1	$265,000	$265,000	$10,166	6.99%
ELMIRA, NY (FHA\|USDA\|VA)	1	$265,000	$265,000	$11,109	7.00%
SIERRA VISTA-DOUGLAS, AZ (FHA\|USDA\|VA)	1	$265,000	$265,000	$13,972	8.99%
Ottawa, IL (FHA\|USDA\|VA)	1	$265,000	$265,000	$12,506	7.38%
SHERMAN-DENISON, TX (FHA\|USDA\|VA)	2	$260,000	$130,000	$0	9.12%
Martin, TN (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	8.38%
Stephenville, TX (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	7.99%
Jefferson, GA (FHA\|USDA\|VA)	1	$255,000	$255,000	$3,901	7.63%
Watertown-Fort Atkinson, WI (FHA\|USDA\|VA)	1	$255,000	$255,000	$0	7.63%
Orangeburg, SC (FHA\|USDA\|VA)	2	$250,000	$125,000	$0	7.74%
MISSOULA, MT (FHA\|USDA\|VA)	1	$245,000	$245,000	$11,467	7.99%
MADERA, CA (FHA\|USDA\|VA)	1	$245,000	$245,000	$13,002	8.13%
GRANTS PASS, OR (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	8.38%
Corsicana, TX (FHA\|USDA\|VA)	1	$245,000	$245,000	$0	6.75%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	1	$235,000	$235,000	$0	7.38%
OCEAN CITY, NJ (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	8.63%
Newport, OR (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	8.25%
MORRISTOWN, TN (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	7.99%
GULFPORT-BILOXI, MS (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	8.49%
Arcadia, FL (FHA\|USDA\|VA)	1	$215,000	$215,000	$0	7.49%
MUNCIE, IN (FHA\|USDA\|VA)	2	$210,000	$105,000	$0	9.12%
Spearfish, SD (FHA\|USDA\|VA)	1	$205,000	$205,000	$7,643	7.99%
CORVALLIS, OR (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	7.49%
NEW ORLEANS-METAIRIE, LA (FHA\|USDA\|VA)	1	$205,000	$205,000	$0	8.99%
Jamestown-Dunkirk-Fredonia, NY (FHA\|USDA\|VA)	1	$205,000	$205,000	$8,606	7.88%
Weatherford, OK (FHA\|USDA\|VA)	2	$200,000	$100,000	$0	9.00%
TYLER, TX (FHA\|USDA\|VA)	2	$200,000	$100,000	$4,469	7.69%
BANGOR, ME (FHA\|USDA\|VA)	1	$195,000	$195,000	$0	6.99%
KINGSPORT-BRISTOL, TN-VA (FHA\|USDA\|VA)	1	$195,000	$195,000	$7,807	6.75%
EVANSVILLE, IN-KY (FHA\|USDA\|VA)	1	$195,000	$195,000	$5,416	6.00%
KALAMAZOO-PORTAGE, MI (FHA\|USDA\|VA)	2	$190,000	$95,000	$5,121	9.50%
LAS CRUCES, NM (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	9.88%
Big Spring, TX (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	7.63%
DOTHAN, AL (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	8.63%
Stillwater, OK (FHA\|USDA\|VA)	1	$185,000	$185,000	$0	6.63%
HINESVILLE, GA (FHA\|USDA\|VA)	2	$180,000	$90,000	$0	11.74%
KENNEWICK-RICHLAND, WA (FHA\|USDA\|VA)	1	$175,000	$175,000	$8,887	8.99%
Kill Devil Hills, NC (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	8.38%
Henderson, NC (FHA\|USDA\|VA)	1	$175,000	$175,000	$8,818	8.63%
Waycross, GA (FHA\|USDA\|VA)	1	$175,000	$175,000	$0	8.38%
Ellensburg, WA (FHA\|USDA\|VA)	1	$175,000	$175,000	$7,191	7.88%
Forest City, NC (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	8.49%
Crossville, TN (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	6.38%
FLINT, MI (FHA\|USDA\|VA)	1	$165,000	$165,000	$0	9.99%
WARNER ROBINS, GA (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	8.49%
ROANOKE, VA (FHA\|USDA\|VA)	1	$155,000	$155,000	$7,370	5.38%
Kalispell, MT (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	7.99%
CALIFORNIA-LEXINGTON PARK, MD (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	8.13%
Lake City, FL (FHA\|USDA\|VA)	1	$155,000	$155,000	$0	10.38%
LAFAYETTE-WEST LAFAYETTE, IN (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	8.75%
Greenville, OH (FHA\|USDA\|VA)	1	$145,000	$145,000	$8,656	7.88%
Cañon City, CO (FHA\|USDA\|VA)	1	$145,000	$145,000	$0	8.38%
Shelby, NC (FHA\|USDA\|VA)	1	$145,000	$145,000	$8,331	10.63%
LANSING-EAST LANSING, MI (FHA\|USDA\|VA)	1	$145,000	$145,000	$6,996	6.63%
Sterling, CO (FHA\|USDA\|VA)	1	$145,000	$145,000	$7,595	8.38%
GOLDSBORO, NC (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	6.25%
Dumas, TX (FHA\|USDA\|VA)	1	$135,000	$135,000	$8,575	9.63%
Selinsgrove, PA (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	11.99%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	8.38%
Milledgeville, GA (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	7.88%
Alpena, MI (FHA\|USDA\|VA)	1	$125,000	$125,000	$8,667	7.49%
Celina, OH (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	6.99%
BLOOMSBURG-BERWICK, PA (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	8.38%
NILES, MI (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	8.49%
Payson, AZ (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	8.88%
TUSCALOOSA, AL (FHA\|USDA\|VA)	1	$125,000	$125,000	$0	7.38%
MUSKEGON, MI (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	8.99%
Thomasville, GA (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	9.25%
SHREVEPORT-BOSSIER CITY, LA (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	9.13%
HATTIESBURG, MS (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	11.25%
YUMA, AZ (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	9.49%
JANESVILLE-BELOIT, WI (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	8.38%
Cortland, NY (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	6.75%
Amsterdam, NY (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	9.25%
JOHNSON CITY, TN (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	7.49%
Marion, OH (FHA\|USDA\|VA)	1	$105,000	$105,000	$6,481	8.49%
Pottsville, PA (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	7.49%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	8.13%
SPRINGFIELD, OH (FHA\|USDA\|VA)	1	$105,000	$105,000	$0	8.88%
FORT WAYNE, IN (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	7.49%
Ogdensburg-Massena, NY (FHA\|USDA\|VA)	1	$95,000	$95,000	$0	8.25%
Woodward, OK (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	7.99%
KOKOMO, IN (FHA\|USDA\|VA)	1	$85,000	$85,000	$0	8.63%
ST. JOSEPH, MO-KS (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	8.99%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	1	$75,000	$75,000	$5,237	10.63%
Crescent City, CA (FHA\|USDA\|VA)	1	$55,000	$55,000	$0	10.38%

A&d Mortgage's top markets include Miami, New York, Orlando, Los Angeles, and Tampa 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)

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.

Los Angeles Federal Credit Union
Similarity Rank: 42

NEWPORT NEWS SHIPBUILDING EMPLOYEES
Similarity Rank: 66

MYPOINT Credit Union
Similarity Rank: 81

County Savings Bank
Similarity Rank: 82

DADE COUNTY FEDERAL CREDIT UNION
Similarity Rank: 84

Rhinebeck Bank
Similarity Rank: 96

Columbia Bank
Similarity Rank: 96

N C P D Federal Credit Union
Similarity Rank: 126

GRANITE FEDERAL CREDIT UNION
Similarity Rank: 150

BNB Bank
Similarity Rank: 154

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	8,336	$2,920,310,000	$350,325	$14,341	8.04%
FHA	68	$31,690,000	$466,029	$22,224	6.47%

For 2024, A&d Mortgage's most frequently originated type of loan was Conventional, with 8,336 originations. Their 2nd most popular type was FHA, with 68 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	5,574	$2,100,490,000	$376,837	$15,429	7.68%
Cash Out Refi	2,427	$675,685,000	$278,403	$11,650	8.93%
Refi	403	$175,825,000	$436,290	$14,195	7.43%

For 2024, A&d Mortgage's most frequently cited loan purpose was Home Purchase, with 5,574 originations. The 2nd most popular reason was Cash Out Refi, with 2,427 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	8,287	$2,908,075,000	$350,920	$14,527	8.04%
30+ year	65	$24,325,000	$374,231	$20,282	7.86%
20 Year	25	$11,175,000	$447,000	$8,052	6.29%
15 Year	24	$7,530,000	$313,750	$9,074	5.82%
5 Year	2	$430,000	$215,000	$0	14.88%
Other	1	$465,000	$465,000	$18,015	6.63%

For 2024, A&d Mortgage's most frequently cited loan duration was 30 Year, with 8,287 originations. The 2nd most popular length was 30+ year, with 65 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$5k+	2,954	$1,345,840,000	$455,599
$4k-5k	259	$50,785,000	$196,081
$3k-4k	202	$46,650,000	$230,941
$2k-3k	178	$48,450,000	$272,191
$1k-2k	170	$55,480,000	$326,353
$<1k	76	$23,000,000	$302,632

A&d Mortgage's average total fees were $14,527, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,954 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
7-8%	3,330	$1,208,390,000	$362,880
Over 8%	3,069	$979,875,000	$319,282
6-7%	1,824	$697,660,000	$382,489
5-6%	175	$64,305,000	$367,457
4-5%	4	$1,020,000	$255,000

During 2024, A&d Mortgage's average interest rate for loans was 8.04%, while their most frequently originated rate bucket for loans was 7-8%, with 3,330 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	3,387	$967,275,000	$285,585	$12,059	7.90%
$100k-200k	2,235	$333,555,000	$149,242	$8,287	8.26%
$400k-600k	1,488	$718,640,000	$482,957	$16,911	7.75%
$600k-1MM	753	$555,575,000	$737,815	$21,811	7.71%
$100,000 or less	314	$24,720,000	$78,726	$5,570	10.08%
$1MM+	227	$352,235,000	$1,551,696	$36,318	7.87%

2024 saw A&d Mortgage place emphasis on $200k-400k loans with 3,387 originations, totaling $967,275,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$250k+	1,242	$733,910,000	$590,910	$19,460	8.50%
$150k-250k	973	$412,035,000	$423,469	$15,229	8.00%
$100k-150k	875	$282,625,000	$323,000	$12,914	7.82%
$75k-100k	556	$143,910,000	$258,831	$10,653	7.64%
$50k-75k	431	$88,045,000	$204,281	$9,263	7.44%
$50k or less	94	$13,070,000	$139,043	$7,765	7.34%

A&d Mortgage lent most frequently to those with incomes in the $250k+ range, with 1,242 originations. The second most popular income band? $150k-250k, with 973 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
<20%	1,338	$440,200,000	$328,999	$17,262	8.95%
30-36%	560	$227,230,000	$405,768	$14,541	7.97%
20-30%	549	$222,905,000	$406,020	$15,256	8.16%
49%	352	$129,540,000	$368,011	$12,929	7.90%
48%	225	$85,675,000	$380,778	$12,987	7.81%
44%	179	$72,965,000	$407,626	$14,135	8.13%
46%	177	$69,515,000	$392,740	$13,834	7.50%
45%	174	$65,810,000	$378,218	$13,056	7.97%
43%	172	$63,690,000	$370,291	$13,507	7.86%
47%	167	$60,235,000	$360,689	$12,626	7.94%
40%	162	$64,490,000	$398,086	$14,297	7.77%
42%	154	$64,270,000	$417,338	$14,127	7.92%
41%	148	$58,200,000	$393,243	$13,926	7.90%
50-60%	137	$55,565,000	$405,584	$18,420	7.52%
38%	134	$53,810,000	$401,567	$13,541	8.05%
39%	129	$47,005,000	$364,380	$14,510	7.91%
37%	121	$49,425,000	$408,471	$14,020	8.15%
36%	118	$45,750,000	$387,712	$13,723	7.93%
>60%	2	$660,000	$330,000	$3,918	8.93%

A&d Mortgage lent most frequently to those with DTI ratios of <20%, with 1,338 originations. The next most common DTI ratio? 30-36%, with 560 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	5,240	$1,868,990,000	$356,677	$15,133	8.02%
Not provided	1,564	$515,540,000	$329,629	$13,729	8.10%
Asian	911	$353,105,000	$387,602	$12,384	7.77%
Black	579	$177,975,000	$307,383	$14,121	8.33%
American Indian	49	$16,235,000	$331,327	$13,761	8.05%
Asian Indian	17	$6,025,000	$354,412	$11,637	8.34%
Other Asian	13	$4,925,000	$378,846	$14,855	8.76%
Native Hawaiian or Islander	9	$3,025,000	$336,111	$15,949	8.56%
Vietnamese	8	$2,300,000	$287,500	$11,295	7.70%
Native Hawaiian	4	$1,400,000	$350,000	$0	8.28%
Filipino	3	$925,000	$308,333	$9,306	8.62%
Korean	1	$545,000	$545,000	$6,591	7.88%
Chinese	3	$485,000	$161,667	$4,738	8.88%
Other Pacific Islander	2	$410,000	$205,000	$4,405	9.13%
Japanese	1	$115,000	$115,000	$0	6.88%

Approval Rates

Total approvals of all applications
89.55%

A&d Mortgage has an average approval rate.

Pick Rate

Approvals leading to origination
32.41%

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
0.0	7	$2,105,000	$300,714
NA	8,397	$2,949,895,000	$351,303

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	8,404	$2,952,000,000	$351,261

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	621	$147,305,000	$237,206	$10,359	9.45%
40-60%	1,118	$379,860,000	$339,767	$13,354	7.60%
60-80%	4,773	$1,692,595,000	$354,619	$15,077	7.78%
80-100%	1,448	$658,770,000	$454,952	$16,671	7.72%
Under 20%	442	$72,720,000	$164,525	$7,983	10.86%