Applications / Mortgage Analytics / Lenders / Florida / A&D Mortgage
Fort Lauderdale, FL · Independent non-bank lender · CFPB · 14,692 loans in 2025
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14,692
loans originated, 2025
24,436
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
A&D Mortgage is a Florida-based lender of conventional loans that grew 75% in 2025, to 14,692 loans, faster than about nine in ten similar lenders.
Originations rose 75% from 8,404, against 16% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. Five years earlier it made 1,928 loans, and its originations have risen every year since 2018.
Conventional loans made up 94.8% of its lending, against 61.6% at similar lenders, a higher share than about nine in ten of them. FHA loans (insured by the Federal Housing Administration) were 4.8%, against 26.4%, and VA loans (guaranteed by the Department of Veterans Affairs) 0.4%, against 8.8%. Its typical loan was $325,000, against $285,000, and 4.0% of its loans were jumbo (larger than the conforming limit), against 1.3%.
It made 45.5% of its loans in majority-minority areas, against 27.5% at similar lenders, more than about nine in ten of them. Only 19.1% went to LMI (low- and moderate-income) borrowers, against 30.2%, lower than about four in five similar lenders. Its small FHA share and larger loans could explain this, since FHA lending often serves lower-income buyers.
It ranked 6 of 937 lenders in Miami-Fort Lauderdale-West Palm Beach, around its Fort Lauderdale base. In Orlando-Kissimmee-Sanford it ranked 17 of 854, with a share of 1.0%, up from 0.9%. It entered Minneapolis-St. Paul-Bloomington in 2025 and ranked 64 of 688.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. A&D Mortgage took 24,436 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.9% · Refinance 34.1%
Conventional 94.8% · FHA 4.8% · VA 0.4% · of 14,692 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 5,245 | 35.7% |
| California | 1,446 | 9.8% |
| Texas | 1,050 | 7.1% |
| New York | 948 | 6.5% |
| Illinois | 550 | 3.7% |
| Arizona | 471 | 3.2% |
| Georgia | 471 | 3.2% |
| New Jersey | 453 | 3.1% |
| Pennsylvania | 339 | 2.3% |
| South Carolina | 296 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 1,676 |
| Fort Lauderdale-Pompano Beach-Sunrise | 933 |
| Orlando-Kissimmee-Sanford | 673 |
| New York-Jersey City-White Plains | 653 |
| West Palm Beach-Boca Raton-Delray Beach | 436 |
| Chicago-Naperville-Schaumburg | 411 |
| Houston-Pasadena-The Woodlands | 396 |
| Los Angeles-Long Beach-Glendale | 348 |
| Phoenix-Mesa-Chandler | 314 |
| Dallas-Plano-Irving | 264 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549005SIVTHG14U2905 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7800832417 |
Established 7 September 2012. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: A&D Mortgage's data.
A&D Mortgage's data
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