The Mortgage Record
Lender report card · New Jersey

A&d Mortgage Llc

Ft. Lauderdale, FL · What the federal mortgage record shows about how A&d Mortgage Llc treated New Jersey applicants, 2018–2025 — 1,359 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
84.6%
1,150 approved
Denial rate
15.4%
209 denied
Decisions
1,359
2018–2025
Avg. rate spread
+1.29 pp
vs. market benchmark
84.6% approved
15.4% denied

Share of 1,359 New Jersey applications A&d Mortgage Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional85.6% of 1,265 · NJ 87%FHA71.3% of 94 · NJ 79%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

62%71%80%89%98%88%88%66%87%96%90%82%87%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, A&d Mortgage Llc’s rates ran +1.02 pp higher than the typical New Jersey lender (average rate spread +1.29 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who A&d Mortgage Llc approves

By income
Under $50k75.1% · 177$50–75k77.5% · 120$75–100k86.7% · 173$100–150k84.2% · 272$150–250k88.3% · 332$250k+89.4% · 273
By debt-to-income
Under 36%86.9% · 55836–43%89.6% · 26043–50%93.4% · 396Over 50%43.2% · 125
By down payment (LTV)
20%+ down85.3% · 1,02310–20% down90.5% · 1695–10% down71.6% · 883–5% down74.5% · 51

Why A&d Mortgage Llc denied applications

Debt-to-income ratio35% of denialsOther29% of denialsUnverifiable information21% of denialsCollateral (value/type)14% of denialsInsufficient cash to close8% of denialsCredit history6% of denials

Where A&d Mortgage Llc lends in NJ

CountyDecisionsApproval
Bergen County19089.5%
Ocean County17289.5%
Union County13387.2%
Middlesex County13292.4%
Essex County13075.4%
Monmouth County11085.5%
Hudson County10273.5%
Passaic County8580.0%

Fees & closing costs

Median total loan costs
$14,294
home purchase
As % of loan
3.87%
NJ median 1.93%
Priced originations
785
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on A&d Mortgage Llc’s home-purchase originations — 1.94 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $3,305. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by A&d Mortgage Llc (LEI 2549005SIVTHG14U2905). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →