A&d Mortgage Rates, Fees & Info
Hollywood, FLLEI: 2549005SIVTHG14U2905
Tax ID: 80-0832417
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Mortgage Data
Review & Overview
A&d Mortgage is a smaller 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, Orlando, New York, Los Angeles, and Atlanta among others. We have data for 24 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 8.54% | 12/17/24 |
| 30 Year Conventional Refi | 7.83% | 12/17/24 |
| 30 Year Cash-out Refi | 8.35% | 12/17/24 |
| 30 Year FHA Purchase | 7.48% | 12/17/24 |
| 30 Year USDA Purchase | 6.27% | 12/17/24 |
| 15 Year Conventional Purchase | 6.39% | 12/17/24 |
| 15 Year Conventional Refi | 6.16% | 12/17/24 |
| 15 Year Cash-out Refi | 6.16% | 12/17/24 |
| 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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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
613Origination Dollar Volume (All Markets)
$210,945,000Top 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) | 422 | $162,810,000 | $385,806 | $14,646 | 6.83% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 103 | $23,955,000 | $232,573 | $11,436 | 6.84% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 18 | $5,710,000 | $317,222 | $12,586 | 6.56% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 5 | $2,485,000 | $497,000 | $9,399 | 6.35% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 6 | $1,900,000 | $316,667 | $14,540 | 7.13% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 10 | $1,830,000 | $183,000 | $8,889 | 7.06% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $1,550,000 | $258,333 | $10,245 | 6.37% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $12,736 | 7.62% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $17,341 | 8.93% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $1,000,000 | $250,000 | $7,187 | 7.34% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $975,000 | $195,000 | $9,708 | 6.50% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $9,361 | 7.37% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $8,978 | 5.84% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $9,668 | 7.83% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $7,018 | 4.46% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $13,260 | 6.63% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $7,712 | 9.09% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,995 | 6.13% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $7,850 | 5.94% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,586 | 6.49% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,871 | 6.88% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,817 | 4.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $13,208 | 5.25% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $6,337 | 8.37% |
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 | 573 | $200,485,000 | $349,887 | $13,763 | 6.96% |
| FHA | 40 | $10,460,000 | $261,500 | $10,100 | 5.14% |
For 2018, A&d Mortgage's most frequently originated type of loan was Conventional, with 573 originations. Their 2nd most popular type was FHA, with 40 originations.
Loan Reason
For 2018, A&d Mortgage's most frequently cited loan purpose was Home Purchase, with 449 originations. The 2nd most popular reason was Cash Out Refi, with 126 originations.
Loan Duration/Length
For 2018, A&d Mortgage's most frequently cited loan duration was 30 Year, with 540 originations. The 2nd most popular length was 5 Year, with 70 originations.
Origination Fees/Closing Costs
A&d Mortgage's average total fees were $12,353, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 424 originations.
Interest Rates
During 2018, A&d Mortgage's average interest rate for loans was 6.50%, while their most frequently originated rate bucket for loans was 6-7%, with 191 originations.
Loan Sizing
2018 saw A&d Mortgage place emphasis on $200k-400k loans with 244 originations, totaling $69,040,000 in origination value.
Applicant Income
A&d Mortgage lent most frequently to those with incomes in the $50k or less range, with 237 originations. The second most popular income band? $250k+, with 107 originations.
Applicant Debt to Income Ratio
A&d Mortgage lent most frequently to those with DTI ratios of <20%, with 300 originations. The next most common DTI ratio? 20-30%, with 77 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications79.69%
A&d Mortgage has a below average approval rate.
Pick Rate
Approvals leading to origination82.87%
A&d Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 613 | $210,945,000 | $344,119 |