A&D Mortgage
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
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
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
National · 50 markets
Sound
Top 60% of lenders
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
41Northeast8
CTMEMANHNJNYPARI
Midwest8
ILINKSMINEOHSDWI
South15
ALARDCDEFLGAKYMDMSNCOKSCTNTXVA
West10
AZCACOIDMTNMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 558Mix 16.82% of portfolio
87/100
Exceptional
Volume 371Mix 11.18% of portfolio
82/100
Exceptional
Volume 192Mix 5.79% of portfolio
78/100
Strong
Volume 193Mix 5.82% of portfolio
71/100
Strong
Volume 130Mix 3.92% of portfolio
67/100
Strong
Volume 92Mix 2.77% of portfolio
64/100
Strong
Volume 50Mix 1.51% of portfolio
62/100
Strong
Volume 106Mix 3.19% of portfolio
61/100
Strong
Volume 57Mix 1.72% of portfolio
59/100
Sound
Volume 45Mix 1.36% of portfolio
58/100
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
FloridaState
Volume 1,652Mix 49.79% of portfolio
83/100
Exceptional2
New YorkState
Volume 323Mix 9.73% of portfolio
72/100
Strong3
New JerseyState
Volume 144Mix 4.34% of portfolio
66/100
Strong4
TexasState
Volume 249Mix 7.50% of portfolio
64/100
Strong5
CaliforniaState
Volume 225Mix 6.78% of portfolio
62/100
Strong6
VirginiaState
Volume 64Mix 1.93% of portfolio
55/100
Sound7
ConnecticutState
Volume 50Mix 1.51% of portfolio
55/100
Sound8
MarylandState
Volume 57Mix 1.72% of portfolio
54/100
Sound9
ArizonaState
Volume 57Mix 1.72% of portfolio
53/100
Sound10
IllinoisState
Volume 53Mix 1.60% of portfolio
52/100
SoundShowing 10 of 24 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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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.