A&d Mortgage Rates, Fees & Info

Hollywood, FL

LEI: 2549005SIVTHG14U2905

Tax ID: 80-0832417

1 stars - Updated: 11/11/24

Latest/2023 | 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, Los Angeles, Orlando, and Dallas among others. We have data for 292 markets. (Some data included below & more in-depth data is available with an active subscription.)

A&d Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. A&d Mortgage is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
30 Year Conventional Purchase	8.54%	11/11/24
30 Year Conventional Refi	7.83%	11/11/24
30 Year Cash-out Refi	8.35%	11/11/24
30 Year FHA Purchase	7.48%	11/11/24
30 Year USDA Purchase	6.27%	11/11/24
15 Year Conventional Purchase	6.39%	11/11/24
15 Year Conventional Refi	6.16%	11/11/24
15 Year Cash-out Refi	6.16%	11/11/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

A&d Mortgage Mortgage Calculator

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

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

Originations

6,159

Origination Dollar Volume (All Markets)

$2,396,085,000

Relative Rate

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

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

This yields a difference of 2.25%.

Relative Fees (Closing Costs)

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

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

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

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

Their top states include:

Florida (FHA|USDA|VA)

New York (FHA|USDA|VA)

California (FHA|USDA|VA)

Texas (FHA|USDA|VA)

New Jersey (FHA|USDA|VA)

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.

Walden Savings Bank
Similarity Rank: 15

Republic Bank
Similarity Rank: 21

SIKORSKY FINANCIAL
Similarity Rank: 35

Thomaston Savings Bank
Similarity Rank: 42

First Savings Bank of Hegewisch
Similarity Rank: 46

Los Angeles Federal Credit Union
Similarity Rank: 72

Union Savings Bank
Similarity Rank: 84

MISSION
Similarity Rank: 93

N C P D Federal Credit Union
Similarity Rank: 126

County Savings Bank
Similarity Rank: 135

Product Mix

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

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

Loan Reason

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

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

Loan Duration/Length

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

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

Origination Fees/Closing Costs

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

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

Interest Rates

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

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

Loan Sizing

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

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

Applicant Income

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

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

Applicant Debt to Income Ratio

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

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

Ethnicity Mix

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

Approval Rates

Total approvals of all applications
93.46%

A&d Mortgage has an average approval rate.

Pick Rate

Approvals leading to origination
44.83%

A&d Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	6,159	$2,396,085,000	$389,038

Occupancy Type Mix

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

LTV Distribution

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