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A&D Mortgage LLC
Independent Mortgage Company|HOLLYWOOD, FL|National
Loans Originated
3,318
Applications
6,082
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.621%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,970
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
54.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 62 basis points above market average
Report Card
A&D Mortgage LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Sound | Industry Standard | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | National · 50 metro areas · 41 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$432,691
Average Borrower Income
$289,876
Average Property Value
$608,225
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Strong | Mediocre | Sound | 3,028 | 91.3% | +0.609% | $3,958 |
FHA Loans | Sound | Sound | Acceptable | Sound | 67 | 2.0% | +0.790% | $4,085 |
Jumbo Loans | Acceptable | Exceptional | Mediocre | Sound | 223 | 6.7% | +0.776% | $4,199 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 2,711 | 81.7% | +0.603% | $4,018 |
Refinance | Acceptable | Strong | Mediocre | Sound | 607 | 18.3% | +0.711% | $3,736 |
Geographic Coverage
Metro Areas
49
States Served
41
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDCDEFLGAIDILINKSKYMAMDMEMIMSMTNCNENHNJNMNVNYOHOKORPARISCSDTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Miami, FLMSA
Volume: 558Mix: 16.82%
Place Specialization
Exceptional
2
Fort Lauderdale, FLMSA
Volume: 371Mix: 11.18%
Place Specialization
Exceptional
3
West Palm Beach, FLMSA
Volume: 192Mix: 5.79%
Place Specialization
Strong
4
New York, NY-NJMSA
Volume: 193Mix: 5.82%
Place Specialization
Strong
5
Orlando, FLMSA
Volume: 130Mix: 3.92%
Place Specialization
Strong
6
Nassau County, NYMSA
Volume: 92Mix: 2.77%
Place Specialization
Strong
7
Port St. Lucie, FL, FLMSA
Volume: 50Mix: 1.51%
Place Specialization
Strong
8
Houston, TXMSA
Volume: 106Mix: 3.19%
Place Specialization
Strong
9
Lakewood, NJMSA
Volume: 57Mix: 1.72%
Place Specialization
Sound
10
Cape Coral, FLMSA
Volume: 45Mix: 1.36%
Place Specialization
Sound
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
FLState
Volume: 1,652Mix: 49.79%
Place Specialization
Exceptional
2
NYState
Volume: 323Mix: 9.73%
Place Specialization
Strong
3
NJState
Volume: 144Mix: 4.34%
Place Specialization
Strong
4
TXState
Volume: 249Mix: 7.50%
Place Specialization
Strong
5
CAState
Volume: 225Mix: 6.78%
Place Specialization
Strong
6
VAState
Volume: 64Mix: 1.93%
Place Specialization
Sound
7
CTState
Volume: 50Mix: 1.51%
Place Specialization
Sound
8
MDState
Volume: 57Mix: 1.72%
Place Specialization
Sound
9
AZState
Volume: 57Mix: 1.72%
Place Specialization
Sound
10
ILState
Volume: 53Mix: 1.60%
Place Specialization
Sound
Showing 10 of 24 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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