A&d Mortgage Rates, Fees & Info

Hollywood, FL

LEI: 2549005SIVTHG14U2905

Tax ID: 80-0832417

1 stars - out of 5 stars, based on 77 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage 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 Houston among others. We have data for 247 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% 6/7/23
30 Year Conventional Refi 7.83% 6/7/23
30 Year Cash-out Refi 8.35% 6/7/23
30 Year FHA Purchase 7.48% 6/7/23
30 Year USDA Purchase 6.27% 6/7/23
15 Year Conventional Purchase 6.39% 6/7/23
15 Year Conventional Refi 6.16% 6/7/23
15 Year Cash-out Refi 6.16% 6/7/23
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






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

5,931

Origination Dollar Volume (All Markets)

$2,516,035,000

Relative Rate

A&d Mortgage's average 30 year fixed mortgage rate was 6.87%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 2.11%.

Relative Fees (Closing Costs)

A&d Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $18,417.

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) 1,946 $789,040,000 $405,468 $18,100 6.72%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1,051 $615,215,000 $585,362 $22,611 6.79%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 219 $174,925,000 $798,744 $20,747 6.24%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 387 $125,145,000 $323,372 $17,474 7.15%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 146 $41,420,000 $283,699 $16,392 6.93%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 99 $38,285,000 $386,717 $17,450 7.16%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 84 $36,480,000 $434,286 $15,792 6.73%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 101 $29,635,000 $293,416 $16,387 6.96%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 37 $28,565,000 $772,027 $16,138 5.44%
Key West, FL (FHA|USDA|VA) 30 $26,610,000 $887,000 $31,237 6.34%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 42 $25,250,000 $601,190 $17,342 6.46%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 89 $23,275,000 $261,517 $12,397 7.32%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 66 $22,300,000 $337,879 $17,105 6.76%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 45 $21,785,000 $484,111 $20,099 7.16%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 63 $21,725,000 $344,841 $16,218 6.78%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 43 $21,225,000 $493,605 $20,737 7.15%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 86 $20,440,000 $237,674 $12,164 7.28%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 48 $18,680,000 $389,167 $16,136 6.93%
PORT ST. LUCIE, FL (FHA|USDA|VA) 49 $17,455,000 $356,224 $14,396 7.49%
JACKSONVILLE, FL (FHA|USDA|VA) 55 $16,905,000 $307,364 $14,465 6.57%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 40 $16,360,000 $409,000 $17,680 6.21%
Outside of Metro Areas 55 $15,135,000 $275,182 $11,313 7.60%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 45 $15,075,000 $335,000 $14,125 6.72%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 29 $14,305,000 $493,276 $11,714 8.25%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 41 $14,205,000 $346,463 $13,058 6.73%
Sevierville, TN (FHA|USDA|VA) 20 $12,410,000 $620,500 $0 8.07%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 33 $11,995,000 $363,485 $11,278 7.09%
SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) 12 $11,960,000 $996,667 $39,632 7.49%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 11 $10,645,000 $967,727 $7,928 5.85%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 36 $9,980,000 $277,222 $11,804 6.60%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 30 $8,600,000 $286,667 $14,088 6.75%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 19 $8,255,000 $434,474 $16,657 6.99%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 15 $7,755,000 $517,000 $0 7.12%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 23 $6,975,000 $303,261 $15,105 7.11%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 10 $6,860,000 $686,000 $7,128 6.03%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 31 $6,525,000 $210,484 $12,365 7.34%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 15 $5,675,000 $378,333 $17,427 6.69%
EAST STROUDSBURG, PA (FHA|USDA|VA) 20 $5,660,000 $283,000 $12,110 7.79%
WORCESTER, MA-CT (FHA|USDA|VA) 20 $5,300,000 $265,000 $0 7.47%
STOCKTON, CA (FHA|USDA|VA) 8 $5,220,000 $652,500 $23,898 7.10%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 31 $5,215,000 $168,226 $7,620 7.38%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 13 $4,925,000 $378,846 $11,168 6.80%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 18 $4,850,000 $269,444 $11,870 7.76%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 21 $4,705,000 $224,048 $12,471 7.02%
PUNTA GORDA, FL (FHA|USDA|VA) 22 $4,570,000 $207,727 $11,206 6.74%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 14 $4,050,000 $289,286 $14,286 6.71%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 5 $3,905,000 $781,000 $16,455 5.60%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $3,880,000 $970,000 $18,405 7.53%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $3,860,000 $321,667 $11,369 8.00%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 6 $3,540,000 $590,000 $8,394 6.56%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 15 $3,325,000 $221,667 $9,302 6.81%
OKLAHOMA CITY, OK (FHA|USDA|VA) 13 $3,255,000 $250,385 $0 6.93%
CORPUS CHRISTI, TX (FHA|USDA|VA) 7 $3,235,000 $462,143 $15,118 7.61%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 8 $3,190,000 $398,750 $0 6.01%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $3,125,000 $625,000 $13,318 7.55%
BAKERSFIELD, CA (FHA|USDA|VA) 13 $3,105,000 $238,846 $10,272 6.88%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 10 $3,010,000 $301,000 $16,449 6.83%
ASHEVILLE, NC (FHA|USDA|VA) 8 $2,980,000 $372,500 $11,173 7.29%
PANAMA CITY, FL (FHA|USDA|VA) 9 $2,865,000 $318,333 $26,330 7.60%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 6 $2,860,000 $476,667 $20,310 7.45%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 18 $2,860,000 $158,889 $0 6.93%
OCALA, FL (FHA|USDA|VA) 13 $2,785,000 $214,231 $10,543 8.27%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 16 $2,740,000 $171,250 $8,981 6.80%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 10 $2,680,000 $268,000 $14,899 7.40%
GAINESVILLE, FL (FHA|USDA|VA) 9 $2,635,000 $292,778 $22,195 6.63%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 11 $2,565,000 $233,182 $9,546 7.56%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 5 $2,505,000 $501,000 $0 7.17%
SALINAS, CA (FHA|USDA|VA) 4 $2,330,000 $582,500 $20,640 7.06%
KINGSTON, NY (FHA|USDA|VA) 7 $2,205,000 $315,000 $8,963 6.21%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 2 $2,170,000 $1,085,000 $60,855 6.50%
BEND, OR (FHA|USDA|VA) 3 $2,155,000 $718,333 $12,423 6.71%
PITTSBURGH, PA (FHA|USDA|VA) 12 $2,040,000 $170,000 $10,598 7.71%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 7 $1,945,000 $277,857 $10,359 7.85%
THE VILLAGES, FL (FHA|USDA|VA) 8 $1,910,000 $238,750 $17,885 6.14%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 7 $1,885,000 $269,286 $9,778 7.46%
RICHMOND, VA (FHA|USDA|VA) 5 $1,875,000 $375,000 $17,240 7.57%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $1,865,000 $621,667 $36,482 5.50%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 8 $1,830,000 $228,750 $12,332 8.09%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 7 $1,705,000 $243,571 $7,197 7.71%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $1,670,000 $417,500 $0 5.63%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 5 $1,615,000 $323,000 $0 7.52%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 7 $1,605,000 $229,286 $0 7.36%
Ukiah, CA (FHA|USDA|VA) 2 $1,580,000 $790,000 $0 7.18%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $1,425,000 $285,000 $0 6.67%
TUCSON, AZ (FHA|USDA|VA) 6 $1,420,000 $236,667 $13,339 7.58%
SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,410,000 $352,500 $0 6.68%
BOULDER, CO (FHA|USDA|VA) 2 $1,380,000 $690,000 $24,751 5.50%
COLUMBUS, OH (FHA|USDA|VA) 6 $1,350,000 $225,000 $14,308 6.56%
Torrington, CT (FHA|USDA|VA) 4 $1,340,000 $335,000 $18,986 5.16%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $1,290,000 $322,500 $13,237 8.06%
KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $1,265,000 $253,000 $0 8.25%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 6 $1,260,000 $210,000 $14,740 8.14%
VALLEJO, CA (FHA|USDA|VA) 3 $1,255,000 $418,333 $4,651 5.41%
Payson, AZ (FHA|USDA|VA) 2 $1,250,000 $625,000 $0 7.43%
MODESTO, CA (FHA|USDA|VA) 3 $1,225,000 $408,333 $13,178 7.04%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 5 $1,205,000 $241,000 $12,807 6.95%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $1,190,000 $595,000 $0 10.50%
KNOXVILLE, TN (FHA|USDA|VA) 3 $1,175,000 $391,667 $26,471 8.29%
Edwards, CO (FHA|USDA|VA) 1 $1,155,000 $1,155,000 $0 6.49%
RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,120,000 $280,000 $0 5.15%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $1,100,000 $550,000 $0 9.69%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $1,095,000 $365,000 $7,034 7.50%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $1,065,000 $1,065,000 $0 7.25%
BINGHAMTON, NY (FHA|USDA|VA) 7 $1,055,000 $150,714 $9,410 7.34%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 2 $1,040,000 $520,000 $18,637 7.56%
GREELEY, CO (FHA|USDA|VA) 4 $1,040,000 $260,000 $0 6.75%
Vineyard Haven, MA (FHA|USDA|VA) 1 $1,035,000 $1,035,000 $0 6.88%
SAVANNAH, GA (FHA|USDA|VA) 5 $1,015,000 $203,000 $7,167 7.38%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $1,005,000 $335,000 $12,695 5.58%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $975,000 $325,000 $0 7.91%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $930,000 $232,500 $9,845 8.40%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 5 $925,000 $185,000 $9,482 6.82%
Lebanon, NH-VT (FHA|USDA|VA) 2 $920,000 $460,000 $0 7.93%
TULSA, OK (FHA|USDA|VA) 6 $890,000 $148,333 $0 7.35%
WILMINGTON, NC (FHA|USDA|VA) 2 $850,000 $425,000 $0 6.37%
FRESNO, CA (FHA|USDA|VA) 3 $825,000 $275,000 $13,891 7.49%
READING, PA (FHA|USDA|VA) 4 $820,000 $205,000 $0 8.90%
Outside of Metro Areas 2 $810,000 $405,000 $10,116 3.75%
EL CENTRO, CA (FHA|USDA|VA) 3 $805,000 $268,333 $11,913 7.75%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $795,000 $265,000 $9,610 8.74%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 4 $790,000 $197,500 $12,327 8.22%
LONGVIEW, WA (FHA|USDA|VA) 5 $785,000 $157,000 $0 5.22%
ODESSA, TX (FHA|USDA|VA) 1 $755,000 $755,000 $33,925 8.63%
GLENS FALLS, NY (FHA|USDA|VA) 2 $750,000 $375,000 $15,747 6.12%
SHERMAN-DENISON, TX (FHA|USDA|VA) 2 $740,000 $370,000 $0 7.06%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 6 $730,000 $121,667 $0 6.95%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $710,000 $355,000 $14,541 7.38%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $675,000 $675,000 $24,398 6.38%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $650,000 $325,000 $12,286 8.50%
COLUMBIA, SC (FHA|USDA|VA) 4 $650,000 $162,500 $0 7.59%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $640,000 $320,000 $14,730 8.44%
FORT COLLINS, CO (FHA|USDA|VA) 1 $605,000 $605,000 $0 7.49%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $600,000 $300,000 $13,546 7.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $590,000 $295,000 $6,903 5.69%
LUBBOCK, TX (FHA|USDA|VA) 3 $575,000 $191,667 $6,607 5.67%
Whitewater, WI (FHA|USDA|VA) 1 $575,000 $575,000 $0 5.88%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $565,000 $565,000 $14,025 6.63%
AKRON, OH (FHA|USDA|VA) 2 $560,000 $280,000 $12,574 8.31%
LANCASTER, PA (FHA|USDA|VA) 3 $545,000 $181,667 $0 7.29%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $530,000 $265,000 $26,023 6.31%
SYRACUSE, NY (FHA|USDA|VA) 3 $525,000 $175,000 $0 7.71%
MADISON, WI (FHA|USDA|VA) 2 $520,000 $260,000 $0 5.63%
DuBois, PA (FHA|USDA|VA) 1 $515,000 $515,000 $0 6.99%
Oak Harbor, WA (FHA|USDA|VA) 1 $505,000 $505,000 $0 5.63%
Crescent City, CA (FHA|USDA|VA) 2 $460,000 $230,000 $0 6.31%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $455,000 $151,667 $0 8.29%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $430,000 $215,000 $12,780 8.06%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $430,000 $215,000 $0 8.99%
VISALIA, CA (FHA|USDA|VA) 2 $430,000 $215,000 $9,501 6.00%
MONTGOMERY, AL (FHA|USDA|VA) 3 $425,000 $141,667 $0 6.54%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $415,000 $138,333 $8,615 6.16%
BRUNSWICK, GA (FHA|USDA|VA) 1 $415,000 $415,000 $0 4.49%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $415,000 $138,333 $0 6.04%
MADERA, CA (FHA|USDA|VA) 1 $415,000 $415,000 $17,358 8.63%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $405,000 $405,000 $23,537 7.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $400,000 $200,000 $13,383 7.38%
Hudson, NY (FHA|USDA|VA) 2 $390,000 $195,000 $0 7.00%
Elizabeth City, NC (FHA|USDA|VA) 3 $375,000 $125,000 $0 6.83%
Clearlake, CA (FHA|USDA|VA) 1 $355,000 $355,000 $0 8.99%
HATTIESBURG, MS (FHA|USDA|VA) 1 $355,000 $355,000 $0 4.38%
Laconia, NH (FHA|USDA|VA) 1 $355,000 $355,000 $13,752 10.49%
Oneonta, NY (FHA|USDA|VA) 2 $350,000 $175,000 $0 8.31%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $345,000 $345,000 $7,611 9.99%
Clewiston, FL (FHA|USDA|VA) 2 $330,000 $165,000 $12,447 9.43%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $325,000 $108,333 $0 7.37%
SANTA FE, NM (FHA|USDA|VA) 1 $325,000 $325,000 $0 7.13%
MERCED, CA (FHA|USDA|VA) 1 $315,000 $315,000 $0 8.38%
MIDLAND, TX (FHA|USDA|VA) 2 $310,000 $155,000 $8,665 9.19%
NAPA, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 7.13%
Roanoke Rapids, NC (FHA|USDA|VA) 2 $290,000 $145,000 $0 6.25%
Shelton, WA (FHA|USDA|VA) 1 $285,000 $285,000 $0 4.38%
SPARTANBURG, SC (FHA|USDA|VA) 1 $285,000 $285,000 $0 6.99%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $285,000 $285,000 $0 7.88%
APPLETON, WI (FHA|USDA|VA) 2 $280,000 $140,000 $0 7.63%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $270,000 $135,000 $0 6.81%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $265,000 $265,000 $0 8.13%
Sayre, PA (FHA|USDA|VA) 1 $265,000 $265,000 $12,386 4.99%
Athens, TX (FHA|USDA|VA) 1 $265,000 $265,000 $0 7.49%
TYLER, TX (FHA|USDA|VA) 2 $260,000 $130,000 $0 7.56%
SAN GERMÁN, PR (FHA|USDA|VA) 2 $260,000 $130,000 $8,211 7.31%
SALEM, OR (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.63%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $250,000 $125,000 $0 7.68%
Newport, TN (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.99%
Gaffney, SC (FHA|USDA|VA) 1 $245,000 $245,000 $0 9.38%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $245,000 $245,000 $0 7.75%
LYNCHBURG, VA (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.49%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $230,000 $115,000 $0 8.00%
Greeneville, TN (FHA|USDA|VA) 1 $225,000 $225,000 $12,333 6.49%
NEW BERN, NC (FHA|USDA|VA) 2 $220,000 $110,000 $5,774 7.68%
MOBILE, AL (FHA|USDA|VA) 1 $215,000 $215,000 $0 4.49%
Cañon City, CO (FHA|USDA|VA) 1 $215,000 $215,000 $5,037 4.75%
AMARILLO, TX (FHA|USDA|VA) 1 $215,000 $215,000 $11,178 6.49%
YUMA, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $0 8.13%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $210,000 $105,000 $0 6.38%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.49%
REDDING, CA (FHA|USDA|VA) 1 $205,000 $205,000 $6,097 5.75%
Manitowoc, WI (FHA|USDA|VA) 1 $205,000 $205,000 $0 9.63%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.99%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $195,000 $195,000 $0 4.25%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $195,000 $195,000 $11,469 7.99%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $195,000 $195,000 $0 7.49%
Amsterdam, NY (FHA|USDA|VA) 2 $190,000 $95,000 $0 9.56%
Cedar City, UT (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.38%
PITTSFIELD, MA (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.99%
Palatka, FL (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.99%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.88%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.38%
UTICA-ROME, NY (FHA|USDA|VA) 1 $175,000 $175,000 $10,957 5.63%
EL PASO, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 10.38%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $175,000 $175,000 $0 7.25%
Ontario, OR-ID (FHA|USDA|VA) 1 $175,000 $175,000 $0 8.38%
MEDFORD, OR (FHA|USDA|VA) 1 $175,000 $175,000 $9,805 6.25%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $165,000 $165,000 $0 8.49%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $165,000 $165,000 $0 7.88%
McPherson, KS (FHA|USDA|VA) 1 $155,000 $155,000 $0 6.49%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.99%
PUEBLO, CO (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.63%
WACO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.63%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $155,000 $155,000 $0 14.88%
SAN ANGELO, TX (FHA|USDA|VA) 1 $155,000 $155,000 $5,130 5.63%
Arcadia, FL (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.99%
ELMIRA, NY (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.49%
Branson, MO (FHA|USDA|VA) 1 $135,000 $135,000 $0 8.25%
DALTON, GA (FHA|USDA|VA) 1 $135,000 $135,000 $0 5.75%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.99%
Levelland, TX (FHA|USDA|VA) 1 $125,000 $125,000 $7,090 9.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.50%
Seneca, SC (FHA|USDA|VA) 1 $125,000 $125,000 $0 8.99%
LaGrange, GA-AL (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.38%
DOVER, DE (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.99%
ROCHESTER, NY (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.63%
GREENVILLE, NC (FHA|USDA|VA) 1 $115,000 $115,000 $0 5.75%
Wauchula, FL (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.75%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.63%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.25%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $105,000 $105,000 $0 11.49%
ROANOKE, VA (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.49%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $105,000 $105,000 $0 9.49%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
Seneca Falls, NY (FHA|USDA|VA) 1 $95,000 $95,000 $0 9.63%
ALBANY, GA (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.99%
St. Marys, GA (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.49%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.25%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 6.75%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 1 $85,000 $85,000 $0 9.75%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $85,000 $85,000 $0 9.99%
MAYAGÜEZ, PR (FHA|USDA|VA) 1 $75,000 $75,000 $5,720 6.00%
A&d Mortgage's top markets include Miami, New York, Los Angeles, Orlando, and Houston among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 5,902 $2,504,470,000 $424,343 $18,358 6.88%
    FHA 29 $11,565,000 $398,793 $21,462 5.05%

    For 2022, A&d Mortgage's most frequently originated type of loan was Conventional, with 5,902 originations. Their 2nd most popular type was FHA, with 29 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,044 $1,749,150,000 $432,530 $18,499 6.98%
    Cash Out Refi 1,555 $620,105,000 $398,781 $18,037 6.72%
    Refi 332 $146,780,000 $442,108 $18,259 6.15%

    For 2022, A&d Mortgage's most frequently cited loan purpose was Home Purchase, with 4,044 originations. The 2nd most popular reason was Cash Out Refi, with 1,555 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,770 $2,439,160,000 $422,731 $18,417 6.87%
    30+ year 100 $54,450,000 $544,500 $30,251 7.65%
    15 Year 40 $11,390,000 $284,750 $9,233 3.54%
    5 Year 11 $6,915,000 $628,636 $0 11.83%
    20 Year 8 $3,350,000 $418,750 $12,663 3.95%
    Other 2 $770,000 $385,000 $7,523 4.50%

    For 2022, A&d Mortgage's most frequently cited loan duration was 30 Year, with 5,770 originations. The 2nd most popular length was 30+ year, with 100 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 2,060 $1,112,970,000 $540,277
    $4k-5k 105 $21,225,000 $202,143
    $3k-4k 66 $22,300,000 $337,879
    $1k-2k 61 $34,635,000 $567,787
    $2k-3k 51 $16,035,000 $314,412
    $<1k 31 $13,225,000 $426,613

    A&d Mortgage's average total fees were $18,417, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 2,060 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    Over 8% 1,449 $598,805,000 $413,254
    7-8% 1,362 $579,060,000 $425,154
    6-7% 1,074 $443,640,000 $413,073
    5-6% 900 $355,830,000 $395,367
    4-5% 829 $387,835,000 $467,835
    3-4% 283 $139,965,000 $494,576
    2.5-3% 25 $8,665,000 $346,600
    <2.5% 8 $1,990,000 $248,750

    During 2022, A&d Mortgage's average interest rate for loans was 6.87%, while their most frequently originated rate bucket for loans was Over 8%, with 1,449 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,343 $683,725,000 $291,816 $13,262 6.87%
    $400k-600k 1,223 $595,205,000 $486,676 $18,419 6.81%
    $100k-200k 1,163 $175,385,000 $150,804 $8,344 6.97%
    $600k-1MM 766 $571,310,000 $745,836 $24,616 6.76%
    $1MM+ 324 $480,660,000 $1,483,519 $41,227 6.74%
    $100,000 or less 112 $9,750,000 $87,054 $6,013 7.46%

    2022 saw A&d Mortgage place emphasis on $200k-400k loans with 2,343 originations, totaling $683,725,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 1,562 $575,710,000 $368,572 $8,628 5.85%
    $250k+ 955 $717,945,000 $751,775 $26,098 7.09%
    $150k-250k 757 $365,025,000 $482,199 $19,006 6.97%
    $100k-150k 662 $247,510,000 $373,882 $15,530 6.65%
    $75k-100k 352 $100,440,000 $285,341 $13,081 6.38%
    $50k-75k 261 $57,675,000 $220,977 $10,190 6.38%

    A&d Mortgage lent most frequently to those with incomes in the $50k or less range, with 1,562 originations. The second most popular income band? $250k+, with 955 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 3,353 $1,251,185,000 $373,154 $19,398 6.94%
    20-30% 523 $243,755,000 $466,071 $17,852 6.85%
    30-36% 439 $225,465,000 $513,588 $19,099 6.89%
    49% 134 $67,770,000 $505,746 $18,256 6.69%
    41% 122 $63,450,000 $520,082 $18,197 6.81%
    44% 122 $61,970,000 $507,951 $19,334 6.47%
    42% 118 $57,490,000 $487,203 $18,436 6.58%
    40% 118 $51,660,000 $437,797 $16,920 6.79%
    39% 112 $56,210,000 $501,875 $17,405 6.44%
    38% 111 $56,315,000 $507,342 $18,934 6.65%
    48% 107 $55,645,000 $520,047 $17,787 6.50%
    43% 101 $48,145,000 $476,683 $18,313 7.19%
    46% 100 $48,040,000 $480,400 $17,913 6.58%
    36% 100 $50,590,000 $505,900 $18,124 6.82%
    45% 99 $46,505,000 $469,747 $16,424 6.91%
    37% 95 $48,805,000 $513,737 $19,724 6.60%
    47% 89 $42,845,000 $481,404 $18,112 6.89%
    50-60% 76 $36,760,000 $483,684 $19,035 6.96%
    >60% 8 $2,420,000 $302,500 $13,892 6.34%

    A&d Mortgage lent most frequently to those with DTI ratios of <20%, with 3,353 originations. The next most common DTI ratio? 20-30%, with 523 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,533 $1,495,975,000 $423,429 $18,509 6.85%
    Not provided 1,212 $507,470,000 $418,705 $18,575 6.93%
    Asian 734 $344,410,000 $469,223 $18,048 6.50%
    Black 412 $151,820,000 $368,495 $17,898 7.40%
    American Indian 14 $6,940,000 $495,714 $15,131 7.81%
    Other Asian 6 $2,420,000 $403,333 $19,783 8.42%
    Asian Indian 5 $2,235,000 $447,000 $0 7.50%
    Chinese 6 $2,080,000 $346,667 $11,593 7.62%
    Native Hawaiian or Islander 3 $795,000 $265,000 $6,097 6.46%
    Other Pacific Islander 2 $780,000 $390,000 $0 7.18%
    Japanese 1 $365,000 $365,000 $0 7.63%
    Vietnamese 1 $285,000 $285,000 $0 8.88%
    Native Hawaiian 1 $255,000 $255,000 $0 6.88%
    Samoan 1 $205,000 $205,000 $0 6.99%

    Approval Rates

    Total approvals of all applications
    96.51%

    A&d Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    39.30%

    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 5,931 $2,516,035,000 $424,218

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,931 $2,516,035,000 $424,218

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 172 $57,700,000 $335,465 $14,750 6.37%
    40-60% 751 $294,515,000 $392,164 $16,323 6.46%
    60-80% 3,604 $1,464,750,000 $406,423 $18,173 6.93%
    80-100% 1,383 $694,245,000 $501,985 $19,558 6.98%
    Under 20% 20 $4,580,000 $229,000 $10,044 6.32%