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We analyzed every closed loan from A&D Mortgage — 3.3k loans across 6k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · Jumbo
Place
Sound
3/5
National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
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
Explore another lender or local market
Report Card
A&D Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+62.1 bps above market avg
1/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
3,028 loans · 0.61% above market
Strong
Top 40% of lenders
4/5
FHA
67 loans · 0.79% above market
Sound
Top 60% of lenders
3/5
Jumbo
223 loans · 0.78% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
2,711 loans · 0.60% above market
Strong
Top 40% of lenders
4/5
Refinance
607 loans · 0.71% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,028 | 91.3% | +0.609%Above | $3,958Fees | ||||
FHA Loans | 67 | 2.0% | +0.790%Above | $4,085Fees | ||||
Jumbo Loans | 223 | 6.7% | +0.776%Above | $4,199Fees |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume3,028
Mix91.3%
Spread
+0.609%Above
Fees
$3,958Fees
FHA Loans
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume67
Mix2.0%
Spread
+0.790%Above
Fees
$4,085Fees
Jumbo Loans
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughSound
Volume223
Mix6.7%
Spread
+0.776%Above
Fees
$4,199Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,711 | 81.7% | +0.603%Above | $4,018Fees | ||||
Refinance | 607 | 18.3% | +0.711%Above | $3,736Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume2,711
Mix81.7%
Spread
+0.603%Above
Fees
$4,018Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume607
Mix18.3%
Spread
+0.711%Above
Fees
$3,736Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,318
Applications
6,082
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.621%
vs. market APOR
Avg Net Fees
$3,970
Origination − Credits
Pullthrough Rate
54.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$432,691
Avg Borrower Income
$289,876
Avg Property Value
$608,225
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
41
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
41Full-year 2024 · HMDALoans originated
< 2020–5050+None
Northeast8
CTMEMANHNJNYPARI
Midwest8
ILINKSMINEOHSDWI
South15
ALARDCDEFLGAKYMDMSNCOKSCTNTXVA
West10
AZCACOIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 24 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.