What A&D Mortgage LLC does

A&D Mortgage LLC (operating as AD Mortgage) is a wholesale and correspondent mortgage lender founded in 2005 and headquartered in Fort Lauderdale, Florida, with a secondary office in Troy, Michigan housing its Capital Markets team. The firm originates loans exclusively through intermediary channels — licensed mortgage brokers and correspondent lenders — and does not lend directly to consumers. Its product portfolio is anchored in Non-QM loan programs (DSCR, 12/24-month Bank Statement, ITIN, AD Power Jumbo) and extends across conventional (Fannie Mae HomeReady, Freddie Mac HomeOne, Conventional Standard), government (FHA, VA Standard, VA IRRRL), and second-lien products. Reported scale includes 9,000+ active broker partners, operations across 49 states, 500+ employees, broker-voted Top 5 U.S. wholesale lender status, and a 4.8-star average across 1,400+ reviews.

The company's revenue model is transaction-fee based: it funds or purchases originated mortgages and earns origination fees, interest-rate spreads, and secondary-market sale gains. Its underlying technology is a broker-facing platform-plus-tools stack: the AIM Partner Portal serves as the central loan-management interface, supplemented by Quick Pricer/Quick Pricer Pro (instant loan pricing), ADwise (automated guideline search), Concierge Service (bank-statement income calculation), AD Appraisal Center (appraisal ordering), AD Studio (marketing flyer creation), and LEADer CRM. A separate ADvantage Loyalty Program provides broker-side incentives. Differentiation rests on 24-hour disclosure and 48-hour underwriting SLAs and on flexible underwriting for non-traditional borrowers (self-employed, investors, ITIN applicants) that traditional lenders decline. The company reports no public funding, no parent company, and operates as a privately held LLC.

The go-to-market motion is sales-led within a wholesale channel: dedicated Account Executives manage broker relationships, supported by trade-show presence (FAMP, California Mortgage Expo, Power Up by AD events), webinars, content marketing via Mortgage Insights blog and the Learning Center, and organic social-media brand-building on YouTube, Instagram, and TikTok (@ADMortgageLife). NMLS # 958660 governs its licensing footprint, and the firm reports no subsidiaries, no disclosed M&A activity, and no disclosed institutional investors.

Name

A&D Mortgage LLC

Legal name

A&D Mortgage LLC

Website

https://admortgage.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

251–500 employees

Short description

A&D Mortgage LLC is a wholesale and correspondent mortgage lender offering Non-QM (DSCR, Bank Statement, ITIN), conventional, government, jumbo, and second-lien loan programs to over 9,000 broker partners across 49 states, supported by an in-house broker technology stack.

Ownership category

akta.pro rank

Product category

Wholesale Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Wholesale Mortgage Lending (Broker Channel) (FSALACAA)

akta.pro secondary industry

Non-Qualified Mortgage (Non-QM) & Specialty Product Brokers (FSALABAG)

Keywords

• Wholesale mortgage lending
• Non-QM loan programs
• Mortgage broker services
• Correspondent lending
• DSCR investor loans

Headquarters

HQ city

Fort Lauderdale

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Wholesale Mortgage Lending: Provides mortgage loans to borrowers through mortgage broker intermediaries. Revenue generated from origination fees, interest rate spreads, and loan servicing rights on funded mortgages.
2. Correspondent Lending: Correspondent channel where lenders fund loans using their own funds before selling on secondary market

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

A&D Mortgage LLC is a wholesale and correspondent mortgage lender that funds residential mortgage loans through a network of more than 9,000 broker and correspondent partners across 49 U.S. states. The company provides a full suite of loan programs, including Non-QM products (DSCR, Bank Statement, ITIN), conventional (Fannie Mae HomeReady, Freddie Mac HomeOne), government (FHA, VA), Jumbo, and second mortgage products. It supports partners with proprietary technology tools including the AIM Partner Portal, Quick Pricer, ADwise, Concierge Service, AD Appraisal Center, AD Studio, and LEADer CRM.

Product overview

A&D Mortgage LLC is a wholesale mortgage lender offering a comprehensive suite of loan programs and technology tools for mortgage brokers. The product portfolio centers on Non-QM lending solutions including DSCR, Bank Statement, and ITIN loans, complemented by conventional and government loan programs (Fannie Mae, Freddie Mac, FHA, VA). The company provides a platform-plus-tools architecture consisting of its AIM Partner Portal as the core loan management platform, supported by supplementary tools including ADwise (guideline search), Quick Pricer (loan calculator), Concierge Service (income calculation), AD Appraisal Center (appraisal ordering), AD Studio (marketing materials), LEADer CRM, and the ADvantage Loyalty Program. This integrated ecosystem enables broker partners to originate, process, and close loans through a streamlined digital workflow.

Differentiator

Problem solved

Functional benefit

Products and services

• DSCR Loans Debt Service Coverage Ratio loans for real estate investors purchasing or refinancing investment properties, requiring minimum FICO 620 and up to 80% CLTV, with no income or employment verification and support for short-term rentals (including Airbnb) and DSCR as low as 0.
• 12/24 Month Bank Statement Loans Bank statement loan programs for self-employed borrowers that allow qualification using 12 or 24 months of personal, business, or combined bank statements, with up to 90% CLTV, minimum 3 months of reserves, and Concierge Service support for income calculation.
• ITIN Loans Mortgage programs for borrowers without a Social Security Number, with loan amounts up to $1.5 million, minimum FICO 660, up to 80% CLTV for Super Prime, DTI up to 50%, and tiered cash-in-hand allowances based on CLTV and FICO.
• AD Power Jumbo Jumbo mortgage product for large home loans up to $5 million with up to 89.99% CLTV for purchase or investment properties, DTI up to 50%, no maximum cash-out limits, and income per DU/LPA.
• Freddie Mac HomeOne First-time homeowner loan program with no geographic or income limits, offering loan amounts up to $832,750, minimum 3% down payment, max CLTV 105% and max LTV 97%, for primary residence only.
• Conventional Standard Standard conventional loan program with up to 97% CLTV, DTI per AUS guidelines, minimum 3% down payment, and loan amounts up to $832,750.
• Fannie Mae HomeReady Affordable lending program for borrowers with limited down payment capabilities, with DTI per AUS, loan amounts up to $832,750, minimum 3% down payment, and primary residence only.
• VA Standard Veterans Affairs loan program for eligible veterans, active-duty service members, and surviving spouses, offering loan amounts up to $2 million with no down payment required.
• VA IRRRL Interest Rate Reduction Refinance Loan, a streamlined VA refinance option for veterans requiring no appraisal or credit underwriting.
• FHA Standard Federal Housing Administration insured loans with up to 97.75% LTV and loan amounts up to $524,225, designed for borrowers with limited down payment capabilities.
• Second Mortgage Second lien mortgage product allowing borrowers to access existing equity with loan amounts up to $500,000 for owner-occupied, second home, or investment properties.

Quantifiable outcome

• 24-hour disclosure turnaround
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Rocket Pro TPO: Wholesale lending division of Rocket Mortgage focused on the broker channel. Offers government, conventional, and jumbo products through broker partners with a similar technology-driven approach to A&D.
• Homepoint: Wholesale and correspondent mortgage lender serving brokers and correspondent lenders with conventional, government, and Non-QM products—a comparable wholesale-channel business model to A&D.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender by volume, operating exclusively through the broker channel. Directly competes with A&D for broker partnerships and offers a comparable mix of Conventional, Government, and Jumbo products.
• Caliber Home Loans: Privately held mortgage lender operating retail, wholesale, and correspondent channels with a product mix including Non-QM offerings, comparable to A&D's multi-channel approach.
• PRMG (Paramount Residential Mortgage Group): Privately held wholesale and retail mortgage lender offering a similar broad product suite including Non-QM, conventional, and government loans through broker partners.
• NewRez (Rithm Capital): Wholesale and correspondent mortgage lender offering government, conventional, and Non-QM products through broker partners; comparable scale and channel focus to A&D.
• loanDepot Wholesale: Wholesale lending division of loanDepot serving mortgage brokers with conventional, government, and jumbo products; a direct competitor in the broker channel.
• Plaza Home Mortgage: Privately held wholesale and correspondent mortgage lender offering a broad product suite including Non-QM and government loans through broker partners across the U.S.

Emerging players

• Deephaven Mortgage: Non-QM focused wholesale lender serving mortgage brokers with DSCR, Bank Statement, and other specialty programs—a niche competitor to A&D's specialty product suite.
• Angel Oak Mortgage Solutions: Non-QM specialty mortgage lender focused on self-employed borrowers, investors, and other non-traditional segments—directly overlapping with A&D's DSCR, Bank Statement, and ITIN offerings.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@ADMortgageLife
• LinkedInlinkedin.com/company/admortgage
• Instagraminstagram.com/admortgage_life
• TikToktiktok.com/@admortgage_life

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about A&D Mortgage LLC