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 Refi loans. A&d Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Miami, Los Angeles, New York, Riverside, and Orlando among others. We have data for 90 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 about average 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.
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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. | ||
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,928Origination Dollar Volume (All Markets)
$701,290,000Awards
A&D Mortgage - 2020
A&D Mortgage is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 718 | $245,150,000 | $341,435 | $16,118 | 4.44% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 243 | $124,575,000 | $512,654 | $9,290 | 3.15% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 174 | $83,610,000 | $480,517 | $36,971 | 3.97% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 81 | $26,615,000 | $328,580 | $7,825 | 3.33% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 102 | $24,460,000 | $239,804 | $10,432 | 5.36% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 41 | $23,565,000 | $574,756 | $9,614 | 3.21% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 36 | $15,360,000 | $426,667 | $6,644 | 2.96% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 38 | $12,190,000 | $320,789 | $4,337 | 3.18% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 29 | $11,595,000 | $399,828 | $5,263 | 3.08% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 34 | $9,710,000 | $285,588 | $9,078 | 4.18% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 23 | $9,445,000 | $410,652 | $7,228 | 3.35% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 15 | $7,825,000 | $521,667 | $8,495 | 3.36% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 31 | $7,555,000 | $243,710 | $6,106 | 3.97% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 22 | $6,160,000 | $280,000 | $10,941 | 3.39% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 22 | $5,740,000 | $260,909 | $9,039 | 4.45% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 21 | $5,615,000 | $267,381 | $5,759 | 3.58% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 19 | $5,545,000 | $291,842 | $9,403 | 4.12% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 25 | $4,915,000 | $196,600 | $7,997 | 3.92% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 13 | $4,415,000 | $339,615 | $5,947 | 3.02% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 8 | $4,020,000 | $502,500 | $7,716 | 3.01% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 11 | $3,865,000 | $351,364 | $5,490 | 3.35% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 5 | $3,685,000 | $737,000 | $17,618 | 4.27% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 12 | $3,410,000 | $284,167 | $9,674 | 4.03% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 16 | $3,390,000 | $211,875 | $7,538 | 4.17% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 9 | $3,245,000 | $360,556 | $11,316 | 5.18% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 12 | $3,080,000 | $256,667 | $10,063 | 4.67% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 15 | $2,855,000 | $190,333 | $7,790 | 5.63% |
| Key West, FL (FHA|USDA|VA) | 9 | $2,475,000 | $275,000 | $8,273 | 4.67% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 5 | $1,845,000 | $369,000 | $9,908 | 5.53% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $36,666 | 9.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 7 | $1,455,000 | $207,857 | $6,499 | 3.20% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $1,355,000 | $271,000 | $7,060 | 4.45% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $8,904 | 2.96% |
| OCALA, FL (FHA|USDA|VA) | 8 | $1,340,000 | $167,500 | $6,016 | 4.09% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $13,868 | 4.08% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,320,000 | $330,000 | $8,658 | 3.31% |
| Outside of Metro Areas | 7 | $1,255,000 | $179,286 | $4,554 | 3.46% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 6 | $1,250,000 | $208,333 | $11,225 | 4.85% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $10,542 | 4.40% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $5,410 | 4.73% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $6,757 | 3.97% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $1,110,000 | $555,000 | $15,702 | 2.94% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $12,954 | 3.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $9,374 | 4.71% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 6 | $920,000 | $153,333 | $7,745 | 4.71% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $3,545 | 3.38% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $2,018 | 3.06% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $3,292 | 2.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $5,613 | 2.79% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $7,110 | 6.31% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $8,994 | 3.43% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $7,932 | 4.94% |
| REDDING, CA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,586 | 3.19% |
| KINGSTON, NY (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $5,231 | 3.96% |
| VICTORIA, TX (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $5,884 | 2.88% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $7,751 | 3.19% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $7,737 | 5.08% |
| FRESNO, CA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $4,626 | 4.16% |
| Payson, AZ (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $7,041 | 2.63% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $9,282 | 2.75% |
| CHICO, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,068 | 3.13% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $10,700 | 5.99% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $9,533 | 7.88% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $8,542 | 2.63% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $1,842 | 3.00% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $8,795 | 2.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $9,297 | 5.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $12,360 | 5.63% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $4,813 | 6.04% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,435 | 6.25% |
| NEW BERN, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $12,795 | 5.75% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $11,282 | 5.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,925 | 3.12% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,826 | 5.75% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $15,689 | 9.99% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,842 | 3.00% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,017 | 5.88% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,891 | 4.99% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $11,550 | 9.49% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,016 | 3.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $8,924 | 7.38% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,146 | 3.63% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,274 | 3.38% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,550 | 2.50% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,057 | 3.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,824 | 3.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,093 | 7.99% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,325 | 6.38% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,397 | 2.63% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,662 | 3.00% |
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 | 1,796 | $661,420,000 | $368,274 | $13,959 | 4.13% |
| FHA | 132 | $39,870,000 | $302,045 | $12,279 | 3.05% |
For 2020, A&d Mortgage's most frequently originated type of loan was Conventional, with 1,796 originations. Their 2nd most popular type was FHA, with 132 originations.
Loan Reason
For 2020, A&d Mortgage's most frequently cited loan purpose was Home Purchase, with 892 originations. The 2nd most popular reason was Refi, with 626 originations.
Loan Duration/Length
For 2020, A&d Mortgage's most frequently cited loan duration was 30 Year, with 1,752 originations. The 2nd most popular length was 15 Year, with 117 originations.
Origination Fees/Closing Costs
A&d Mortgage's average total fees were $13,977, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 970 originations.
Interest Rates
During 2020, A&d Mortgage's average interest rate for loans was 4.08%, while their most frequently originated rate bucket for loans was 3-4%, with 620 originations.
Loan Sizing
2020 saw A&d Mortgage place emphasis on $200k-400k loans with 882 originations, totaling $259,430,000 in origination value.
Applicant Income
A&d Mortgage lent most frequently to those with incomes in the $100k-150k range, with 385 originations. The second most popular income band? $150k-250k, with 335 originations.
Applicant Debt to Income Ratio
A&d Mortgage lent most frequently to those with DTI ratios of <20%, with 391 originations. The next most common DTI ratio? 30-36%, with 300 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications74.83%
A&d Mortgage has a below average approval rate.
Pick Rate
Approvals leading to origination43.98%
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 | 1,928 | $701,290,000 | $363,740 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 5 | $1,175,000 | $235,000 |
| Single Family (1-4 Units):Site-Built | 1,923 | $700,115,000 | $364,074 |