(Lender rules) A&D Mortgage · as of Sep 24, 2026
A&D bank
statement income.
How A&D Mortgage's published bank statement guidelines turn deposits into qualifying income, and how DepositDesk applies them to your file. Every figure links back to the lender's own document.
(01) The rules
What A&D publishes.
| Rule | What the published guidelines say |
|---|---|
| Personal statements | 100% of stable, predictable deposits ÷ 12 or 24. Transfers between personal accounts excluded; non-business income excluded. |
| Business statements | Standard 50% expense ratio; lower needs a third-party expense letter or P&L. Minimum expense ratio 10%. Credit equals ownership %; minimum 25% ownership. |
| NSF | One or more returned items, or a negative balance, on a day = 1 occurrence. If any in the most recent 3 months, max 3 in 12 months; if none, max 6. |
| Declining deposits | A consistent decline isn't averaged: the most recent, lower income is used. |
| P&L validation | Business deposits no less than 10% below the P&L's gross revenue. |
| Large deposits | Unusual deposits are documented at the underwriter's discretion; no fixed percentage published. DepositDesk uses your setting. |
Calculated per A&D Mortgage's published guidelines (as of Sep 24, 2026). DepositDesk is not affiliated with A&D. Guidelines change without notice; confirm with your A&D account executive before you quote.
(02) Worked example
The math on a sample file.
$360,000 eligible business deposits over 12 months, 100% owned: × (1 − 50%) ÷ 12 = $15,000 a month. With a 10% expense letter: $27,000.
(03) In DepositDesk
What the worksheet flags.
- Ownership under 25%
- NSF over the 3/6 tolerance
- On 24 months, a lower recent 12 months is used
The worksheet, CSV and lender PDF all carry the line “Calculated per A&D Mortgage's published guidelines (as of Sep 24, 2026). DepositDesk is not affiliated with A&D.” so the underwriter sees which rules you used.
(04) Sources
Read the lender's own documents.
DepositDesk is independent and isn't affiliated with, endorsed by or approved by A&D Mortgage. Names are used only to identify whose published guidelines are applied.
(05) FAQ
Questions brokers ask.
How does A&D calculate bank statement income?+
Personal statements: 100% of stable, predictable deposits ÷ 12 or 24. Transfers between personal accounts excluded; non-business income excluded. Business statements: Standard 50% expense ratio; lower needs a third-party expense letter or P&L. Minimum expense ratio 10%. Credit equals ownership %; minimum 25% ownership. NSF: One or more returned items, or a negative balance, on a day = 1 occurrence. If any in the most recent 3 months, max 3 in 12 months; if none, max 6.
Is DepositDesk affiliated with A&D?+
No. DepositDesk is an independent tool for brokers. It applies A&D's publicly published rules as of Sep 24, 2026 and links the source documents. The lender's underwriter determines final qualifying income.
How do I run a file with A&D's rules?+
Open the DepositDesk tool, choose A&D Mortgage under Lender rules, then drop in the borrower's statements. The worksheet and PDF are labelled with the lender and the guideline date.
(Next step)
Run your next file with A&D rules.
Pick the lender, drop in the statements, and export a worksheet labelled with the guideline date. Your first file is free; statements never leave your browser.