The subprime mortgage crisis triggered a global financial collapse. Hundreds of US lenders closed their doors, and the secondary mortgage market stalled. The industry faced major restructuring

While the market faced disruption, A&D remained steady and operational. The experience shaped our culture of responsibility, adaptability, and long-term vision – values that continue to guide us today

The housing market has stabilized and is growing, driven by favorable monetary policy and renewed borrower demand. With mortgage rates at historic lows, refinancing surged to over 80% of total applications

This period marked a shift to steady growth. It became clear: giving our partners the tools to win had to be our core approach. We rebuilt our procedures and broker support around speed and precision

In the wake of Dodd-Frank reforms, tighter Qualified Mortgage (QM) rules excluded many creditworthy borrowers - including self-employed professionals, investors, and gig economy workers. This gap gave rise to a new market segment: Non-QM lending

Seeing the long-term potential, we made a strategic pivot to focus on Non-QM lending and transitioned to a wholesale model. That same year, the company's first online service, the Broker Portal, launched successfully

The COVID-19 pandemic disrupted every aspect of mortgage lending. Lockdowns forced teams remote, while the CARES Act paused payments for millions of borrowers

Lenders faced urgent pressure to digitize processes and maintain continuity under new, uncertain conditions

While other were adjusting, we moved aggressively. We launched Quick Pricer, an instant loan scenario tool, and AD Studio , a self-service broker marketing platform. In a period defined by slowdowns, we gave our partners the tools to accelerate

Artificial intelligence became a cornerstone of the mortgage industry. AI-driven solutions were integrated to speed up underwriting, enhance risk assessment, and improve customer engagement

This shift led to faster loan processing, reduced errors, and more personalized borrower experiences

2024 marked a breakthrough. We became the officially verified #1 Non-QM lender and were named a Top 10 wholesale lender by Forbes. We launched AIM, a next-generation, AI-powered Partner Portal, and introduced the ADvantage digital loyalty program