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 Tampa among others. We have data for 55 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 | 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
1,464Origination Dollar Volume (All Markets)
$444,600,000Top 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) | 919 | $287,885,000 | $313,259 | $12,314 | 6.44% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 223 | $52,405,000 | $235,000 | $11,337 | 6.24% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 83 | $32,465,000 | $391,145 | $15,073 | 6.04% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 12 | $10,800,000 | $900,000 | $16,587 | 6.26% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 34 | $6,350,000 | $186,765 | $9,040 | 6.49% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 29 | $5,965,000 | $205,690 | $10,156 | 6.08% |
| Key West, FL (FHA|USDA|VA) | 6 | $4,240,000 | $706,667 | $26,292 | 7.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 8 | $3,990,000 | $498,750 | $18,054 | 6.01% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 22 | $3,940,000 | $179,091 | $8,709 | 6.61% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 12 | $3,640,000 | $303,333 | $10,646 | 6.82% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 15 | $3,415,000 | $227,667 | $11,270 | 6.96% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 12 | $3,290,000 | $274,167 | $12,958 | 6.62% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 10 | $2,570,000 | $257,000 | $10,441 | 7.10% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 9 | $2,515,000 | $279,444 | $10,479 | 6.66% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $2,245,000 | $2,245,000 | $29,661 | 6.13% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,680,000 | $840,000 | $18,079 | 4.31% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $11,706 | 6.88% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,230,000 | $615,000 | $25,600 | 5.62% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $22,577 | 5.99% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $9,173 | 6.05% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $8,005 | 7.04% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $7,836 | 7.68% |
| Lake City, FL (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $30,472 | 10.00% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $34,003 | 5.75% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $15,768 | 6.88% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $7,391 | 7.97% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $5,411 | 5.99% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $7,728 | 6.88% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $26,233 | 12.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $7,220 | 5.08% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $6,457 | 7.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $27,202 | 9.99% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $8,280 | 6.37% |
| Palatka, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,912 | 4.88% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $12,759 | 6.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $6,773 | 7.37% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,804 | 5.63% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,789 | 4.63% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $8,462 | 5.55% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $8,863 | 7.31% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $14,951 | 7.88% |
| Outside of Metro Areas | 2 | $220,000 | $110,000 | $6,082 | 7.75% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,859 | 5.13% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,220 | 5.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,933 | 8.25% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,915 | 6.99% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,971 | 4.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $12,742 | 8.99% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,622 | 5.75% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,417 | 8.99% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $8,602 | 7.88% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $7,953 | 5.38% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,496 | 5.63% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,448 | 6.63% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,645 | 6.75% |
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 | 1,426 | $433,800,000 | $304,208 | $12,163 | 6.46% |
| FHA | 37 | $10,325,000 | $279,054 | $11,809 | 4.81% |
| VA | 1 | $475,000 | $475,000 | $17,832 | 3.38% |
For 2019, A&d Mortgage's most frequently originated type of loan was Conventional, with 1,426 originations. Their 2nd most popular type was FHA, with 37 originations.
Loan Reason
For 2019, A&d Mortgage's most frequently cited loan purpose was Home Purchase, with 982 originations. The 2nd most popular reason was Cash Out Refi, with 372 originations.
Loan Duration/Length
For 2019, A&d Mortgage's most frequently cited loan duration was 30 Year, with 1,389 originations. The 2nd most popular length was 5 Year, with 64 originations.
Origination Fees/Closing Costs
A&d Mortgage's average total fees were $12,069, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,026 originations.
Interest Rates
During 2019, A&d Mortgage's average interest rate for loans was 6.26%, while their most frequently originated rate bucket for loans was 6-7%, with 504 originations.
Loan Sizing
2019 saw A&d Mortgage place emphasis on $200k-400k loans with 561 originations, totaling $157,145,000 in origination value.
Applicant Income
A&d Mortgage lent most frequently to those with incomes in the $50k or less range, with 545 originations. The second most popular income band? $250k+, with 295 originations.
Applicant Debt to Income Ratio
A&d Mortgage lent most frequently to those with DTI ratios of <20%, with 683 originations. The next most common DTI ratio? 20-30%, with 210 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.20%
A&d Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination54.58%
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 | 1,464 | $444,600,000 | $303,689 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 1,464 | $444,600,000 | $303,689 |