Dsld Mortgage Rates, Fees & Info
DOVER, DELEI: 5493001F7QT2YW3K8D98
Tax ID: 26-2434560
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Mortgage Data
Overview
Dsld Mortgage is a smaller mortgage company specializing in Home Purchase loans. Dsld Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets include Baton Rouge, New Orleans, Lafayette, Daphne, and Huntsville among others. Dsld Mortgage has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Dsld Mortgage is typically a low fee lendor.Originations
2,535Origination Dollar Volume (All Markets)
$570,985,000Awards
DSLD MORTGAGE - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
Dsld Mortgage 's average 30 year fixed rate mortgage of loans were
2.86%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.29%.
Relative Fees
Dsld Mortgage 's average total fees for a 30 year fixed rate
mortgage are $2,638.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| BATON ROUGE, LA (FHA|USDA|VA) | 703 | $157,005,000 | $223,336 | $2,395 | 2.89% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 338 | $78,000,000 | $230,769 | $2,394 | 2.85% |
| LAFAYETTE, LA (FHA|USDA|VA) | 311 | $66,355,000 | $213,360 | $2,104 | 2.87% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 186 | $43,370,000 | $233,172 | $2,787 | 2.86% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 152 | $39,730,000 | $261,382 | $3,176 | 2.80% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 143 | $33,145,000 | $231,783 | $3,277 | 2.73% |
| HAMMOND, LA (FHA|USDA|VA) | 160 | $32,110,000 | $200,688 | $2,413 | 2.81% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 134 | $29,690,000 | $221,567 | $2,210 | 2.89% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 127 | $29,645,000 | $233,425 | $4,057 | 2.78% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 140 | $29,510,000 | $210,786 | $2,076 | 2.89% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 58 | $14,120,000 | $243,448 | $4,480 | 2.76% |
| Outside of Metro Areas | 63 | $13,005,000 | $206,429 | $2,484 | 2.92% |
| MONROE, LA (FHA|USDA|VA) | 14 | $3,360,000 | $240,000 | $3,220 | 2.78% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $10,634 | 2.98% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,654 | 3.13% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,583 | 2.55% |
| Laurel, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $500 | 2.75% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,373 | 3.00% |
Dsld Mortgage 's top markets include Baton Rouge, New Orleans, Lafayette, Daphne, and Huntsville among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 1,126 | $239,090,000 | $212,336 | $886 | 3.05% |
| FHA | 696 | $164,940,000 | $236,983 | $4,629 | 2.71% |
| USDA | 448 | $98,540,000 | $219,955 | $2,610 | 2.69% |
| VA | 265 | $68,415,000 | $258,170 | $4,573 | 2.64% |
For the 2021 period, Dsld Mortgage 's most frequently originated loan type of loans were Conventional, with 1,126 originations. Their 2nd most popular type is FHA, with 696 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 2,535 | $570,985,000 | $225,241 | $2,604 | 2.85% |
For the 2021, Dsld Mortgage 's most frequently cited loan purpose of loans were Home Purchase, with 2,535 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 2,450 | $556,960,000 | $227,331 | $2,638 | 2.86% |
| 15 Year | 62 | $9,890,000 | $159,516 | $1,537 | 2.55% |
| 20 Year | 16 | $3,060,000 | $191,250 | $1,871 | 2.92% |
| 10 Year | 4 | $410,000 | $102,500 | $557 | 3.09% |
| Other | 3 | $665,000 | $221,667 | $3,610 | 2.87% |
For the 2021, Dsld Mortgage 's most frequently cited loan length of loans were 30 Year, with 2,450 originations. The 2nd most popular length of loans were 15 Year, with 62 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 2,366 | $532,470,000 | $225,051 |
| $1k-2k | 126 | $28,180,000 | $223,651 |
| $2k-3k | 26 | $6,350,000 | $244,231 |
| $3k-4k | 13 | $2,915,000 | $224,231 |
| $5k+ | 4 | $1,070,000 | $267,500 |
$2,638 of loans were Dsld Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 2,366 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,286 | $289,610,000 | $225,202 |
| 3-4% | 731 | $164,875,000 | $225,547 |
| <2.5% | 502 | $113,300,000 | $225,697 |
| 4-5% | 16 | $3,200,000 | $200,000 |
During 2021, Dsld Mortgage 's average interest rate of loans were 2.86%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,286 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 1,856 | $456,180,000 | $245,787 | $2,993 | 2.84% |
| $100k-200k | 625 | $106,735,000 | $170,776 | $1,540 | 2.88% |
| $100,000 or less | 43 | $3,195,000 | $74,302 | $560 | 2.91% |
| $400k-600k | 11 | $4,875,000 | $443,182 | $5,530 | 2.94% |
2021 saw Dsld Mortgage place emphasis on $200k-400k loans with 1,856 originations, totaling $456,180,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 851 | $191,505,000 | $225,035 | $2,828 | 2.81% |
| $50k or less | 696 | $143,170,000 | $205,704 | $2,280 | 2.81% |
| $75k-100k | 511 | $121,135,000 | $237,055 | $2,744 | 2.88% |
| $100k-150k | 336 | $83,210,000 | $247,649 | $2,753 | 2.88% |
| $150k-250k | 93 | $21,755,000 | $233,925 | $2,178 | 3.11% |
| $250k+ | 17 | $3,565,000 | $209,706 | $968 | 3.36% |
Dsld Mortgage lent most frequently to those with incomes in the $50k-75k range, with 851 originations. The second most popular income band? $50k or less, with 696 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30-36% | 496 | $112,190,000 | $226,190 | $2,360 | 2.87% |
| 20-30% | 469 | $102,675,000 | $218,923 | $2,038 | 2.86% |
| 50-60% | 222 | $52,780,000 | $237,748 | $4,540 | 2.68% |
| <20% | 138 | $25,980,000 | $188,261 | $1,234 | 2.87% |
| 41% | 118 | $28,060,000 | $237,797 | $2,862 | 2.83% |
| 43% | 103 | $23,445,000 | $227,621 | $2,654 | 2.91% |
| 39% | 103 | $23,485,000 | $228,010 | $2,720 | 2.87% |
| 42% | 101 | $23,225,000 | $229,950 | $2,805 | 2.87% |
| 40% | 101 | $22,155,000 | $219,356 | $2,442 | 2.88% |
| 38% | 100 | $22,970,000 | $229,700 | $2,504 | 2.92% |
| 36% | 99 | $23,355,000 | $235,909 | $2,543 | 2.89% |
| 37% | 90 | $21,070,000 | $234,111 | $2,349 | 2.87% |
| 45% | 80 | $17,540,000 | $219,250 | $2,707 | 2.89% |
| 44% | 75 | $17,085,000 | $227,800 | $2,644 | 2.88% |
| 46% | 73 | $17,005,000 | $232,945 | $3,493 | 2.84% |
| 48% | 62 | $13,650,000 | $220,161 | $3,005 | 2.80% |
| 49% | 52 | $12,570,000 | $241,731 | $3,141 | 2.92% |
| 47% | 46 | $10,170,000 | $221,087 | $2,813 | 2.82% |
| >60% | 4 | $920,000 | $230,000 | $1,615 | 2.78% |
Dsld Mortgage lent most frequently to those with DTI ratios of 30-36%, with 496 originations. The next most common DTI ratio? 20-30%, with 469 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 1,691 | $373,575,000 | $220,920 | $2,412 | 2.86% |
| Black | 601 | $141,825,000 | $235,982 | $3,195 | 2.80% |
| Not provided | 127 | $29,895,000 | $235,394 | $2,793 | 2.89% |
| Asian | 70 | $14,820,000 | $211,714 | $2,078 | 2.90% |
| American Indian | 28 | $6,570,000 | $234,643 | $2,753 | 2.87% |
| Asian Indian | 10 | $2,360,000 | $236,000 | $1,546 | 2.98% |
| Other Asian | 5 | $1,285,000 | $257,000 | $423 | 3.14% |
| Native Hawaiian | 2 | $400,000 | $200,000 | $962 | 3.31% |
| 1 | $255,000 | $255,000 | $4,632 | 2.63% |
Approval Rates
Total approvals of all applications93.33%
Dsld Mortgage has an average approval rate.
Pick Rate
Approvals leading to origination77.91%
Dsld Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,535 | $570,985,000 | $225,241 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2,535 | $570,985,000 | $225,241 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 40 | $3,230,000 | $80,750 | $605 | 2.88% |
| 40-60% | 90 | $12,090,000 | $134,333 | $1,057 | 2.84% |
| 60-80% | 298 | $57,600,000 | $193,289 | $1,109 | 3.06% |
| 80-100% | 2,004 | $471,740,000 | $235,399 | $2,699 | 2.83% |
| Over 100% | 100 | $26,170,000 | $261,700 | $7,438 | 2.66% |
| Under 20% | 3 | $155,000 | $51,667 | $0 | 2.88% |
