Dsld Mortgage Rates, Fees & Info

DOVER, DE

LEI: 5493001F7QT2YW3K8D98

Tax ID: 26-2434560

5 stars - Updated: 7/7/25 - out of 5 stars, based on 53 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Dsld Mortgage is a smaller mortgage company specializing in Home Purchase loans. Dsld Mortgage has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Baton Rouge, Lafayette, New Orleans, Gulfport, and Shreveport among others. We have data for 21 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Dsld Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Dsld Mortgage is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.44% 7/7/25
    30 Year Conventional Refi 6.50% 7/7/25
    30 Year FHA Purchase 6.56% 7/7/25
    30 Year FHA Refi 6.46% 7/7/25
    30 Year VA Purchase 6.02% 7/7/25
    30 Year VA Refi 5.77% 7/7/25
    30 Year USDA Purchase 6.22% 7/7/25
    15 Year Conventional Purchase 5.90% 7/7/25
    15 Year Conventional Refi 6.56% 7/7/25
    15 Year Cash-out Refi 6.56% 7/7/25
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Dsld Mortgage Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Dsld Mortgage. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,774

    Origination Dollar Volume (All Markets)

    $728,770,000
    Show all (80) awards

    Relative Rate

    Dsld Mortgage's average 30 year fixed mortgage rate was 6.06%.

    The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

    This yields a difference of -0.49%.

    Relative Fees (Closing Costs)

    Dsld Mortgage's average total fees/closing costs for a 30 year fixed rate mortgage were $3,623.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    BATON ROUGE, LA (FHA|USDA|VA) 573 $146,425,000 $255,541 $3,493 6.15%
    LAFAYETTE, LA (FHA|USDA|VA) 419 $96,615,000 $230,585 $2,667 6.07%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 242 $65,900,000 $272,314 $3,603 6.22%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 263 $65,785,000 $250,133 $3,000 6.11%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 205 $54,465,000 $265,683 $4,989 6.03%
    HUNTSVILLE, AL (FHA|USDA|VA) 181 $54,045,000 $298,591 $3,525 5.88%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 141 $52,345,000 $371,241 $6,883 6.14%
    HOUMA-THIBODAUX, LA (FHA|USDA|VA) 158 $39,770,000 $251,709 $4,082 5.98%
    HAMMOND, LA (FHA|USDA|VA) 162 $38,690,000 $238,827 $2,898 6.20%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 100 $33,820,000 $338,200 $5,095 6.04%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 113 $27,585,000 $244,115 $1,893 6.25%
    LAKE CHARLES, LA (FHA|USDA|VA) 99 $23,295,000 $235,303 $3,368 5.34%
    MONROE, LA (FHA|USDA|VA) 49 $12,195,000 $248,878 $3,181 5.96%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 35 $8,185,000 $233,857 $3,727 5.99%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 25 $6,895,000 $275,800 $5,281 4.85%
    Ruston, LA (FHA|USDA|VA) 4 $980,000 $245,000 $4,860 4.74%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $565,000 $565,000 $6,265 6.75%
    EL PASO, TX (FHA|USDA|VA) 1 $345,000 $345,000 $5,493 5.25%
    Opelousas, LA (FHA|USDA|VA) 1 $335,000 $335,000 $6,337 5.25%
    Picayune, MS (FHA|USDA|VA) 1 $315,000 $315,000 $4,014 6.12%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $215,000 $215,000 $3,799 6.38%
    Dsld Mortgage's top markets include Baton Rouge, Lafayette, New Orleans, Gulfport, and Shreveport among others.

    Their top states include:
  • Louisiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Alabama (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against DSLD MORTGAGE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Jefferson Parish Employees FCU
    Similarity Rank: 12
    MERITUS Federal Credit Union
    Similarity Rank: 18
    PIERREMONT MORTGAGE, INC.
    Similarity Rank: 56
    MORTGAGE ONE OF THE SOUTH, INC.
    Similarity Rank: 84
    HOMEAMERICAN MORTGAGE CORPORATION
    Similarity Rank: 96
    JEFFERSON FINANCIAL
    Similarity Rank: 112
    Home Federal Bank
    Similarity Rank: 168
    Jeff Davis Bancshares
    Similarity Rank: 195
    GREATER NEW ORLEANS
    Similarity Rank: 235
    HARVESTERS FEDERAL CREDIT UNION
    Similarity Rank: 260

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,214 $294,500,000 $242,586 $1,382 6.33%
    FHA 881 $235,095,000 $266,850 $5,719 5.85%
    VA 535 $164,385,000 $307,262 $5,338 5.88%
    USDA 144 $34,790,000 $241,597 $3,273 5.68%

    For 2024, Dsld Mortgage's most frequently originated type of loan was Conventional, with 1,214 originations. Their 2nd most popular type was FHA, with 881 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,716 $711,600,000 $262,003 $3,545 6.06%
    Refi 58 $17,170,000 $296,034 $7,224 5.77%

    For 2024, Dsld Mortgage's most frequently cited loan purpose was Home Purchase, with 2,716 originations. The 2nd most popular reason was Refi, with 58 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,759 $725,865,000 $263,090 $3,623 6.06%
    15 Year 11 $1,955,000 $177,727 $2,830 6.23%
    10 Year 2 $260,000 $130,000 $2,696 7.00%
    20 Year 1 $345,000 $345,000 $5,287 5.88%
    Other 1 $345,000 $345,000 $8,968 5.63%

    For 2024, Dsld Mortgage's most frequently cited loan duration was 30 Year, with 2,759 originations. The 2nd most popular length was 15 Year, with 11 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,581 $674,445,000 $261,312
    $1k-2k 113 $31,175,000 $275,885
    $2k-3k 34 $8,610,000 $253,235
    $5k+ 22 $7,140,000 $324,545
    $3k-4k 13 $4,005,000 $308,077
    $4k-5k 11 $3,395,000 $308,636

    Dsld Mortgage's average total fees were $3,623, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,581 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,200 $315,200,000 $262,667
    5-6% 1,097 $285,495,000 $260,251
    4-5% 344 $92,920,000 $270,116
    7-8% 86 $22,590,000 $262,674
    3-4% 42 $11,010,000 $262,143
    Over 8% 5 $1,555,000 $311,000

    During 2024, Dsld Mortgage's average interest rate for loans was 6.06%, while their most frequently originated rate bucket for loans was 6-7%, with 1,200 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,285 $619,015,000 $270,904 $3,802 6.04%
    $100k-200k 313 $52,375,000 $167,332 $1,526 6.20%
    $400k-600k 113 $51,075,000 $451,991 $7,196 6.06%
    $100,000 or less 60 $4,460,000 $74,333 $929 6.03%
    $600k-1MM 3 $1,845,000 $615,000 $4,512 5.16%

    2024 saw Dsld Mortgage place emphasis on $200k-400k loans with 2,285 originations, totaling $619,015,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 830 $239,550,000 $288,614 $4,080 6.14%
    $75k-100k 743 $193,655,000 $260,639 $3,685 6.02%
    $50k-75k 695 $160,615,000 $231,101 $3,301 5.93%
    $150k-250k 291 $92,145,000 $316,649 $3,678 6.24%
    $50k or less 162 $28,640,000 $176,790 $2,396 5.93%
    $250k+ 40 $10,980,000 $274,500 $3,099 6.38%

    Dsld Mortgage lent most frequently to those with incomes in the $100k-150k range, with 830 originations. The second most popular income band? $75k-100k, with 743 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 429 $112,385,000 $261,970 $3,085 6.12%
    20-30% 343 $82,255,000 $239,810 $2,341 6.11%
    49% 250 $66,980,000 $267,920 $4,142 5.98%
    48% 172 $46,260,000 $268,953 $4,304 5.92%
    47% 158 $43,530,000 $275,506 $4,488 6.08%
    46% 132 $36,050,000 $273,106 $4,283 6.07%
    44% 125 $33,375,000 $267,000 $3,570 5.95%
    43% 121 $32,695,000 $270,207 $3,215 6.08%
    45% 117 $32,755,000 $279,957 $3,822 6.08%
    50-60% 111 $30,605,000 $275,721 $6,064 6.32%
    42% 109 $30,055,000 $275,734 $4,259 5.96%
    38% 109 $28,565,000 $262,064 $3,592 5.98%
    37% 106 $27,830,000 $262,547 $3,699 6.07%
    36% 104 $29,260,000 $281,346 $3,382 6.16%
    41% 103 $27,545,000 $267,427 $3,433 6.08%
    <20% 102 $21,070,000 $206,569 $2,501 6.02%
    39% 94 $24,590,000 $261,596 $3,372 5.96%
    40% 88 $22,670,000 $257,614 $4,327 5.92%
    >60% 1 $295,000 $295,000 $10,016 6.25%

    Dsld Mortgage lent most frequently to those with DTI ratios of 30-36%, with 429 originations. The next most common DTI ratio? 20-30%, with 343 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,734 $450,620,000 $259,873 $3,514 6.07%
    Black 506 $135,920,000 $268,617 $4,137 5.96%
    Not provided 347 $93,435,000 $269,265 $3,887 6.08%
    Asian 153 $39,455,000 $257,876 $2,644 6.13%
    American Indian 19 $4,805,000 $252,895 $2,538 5.95%
    Native Hawaiian or Islander 6 $2,040,000 $340,000 $7,447 5.53%
    Vietnamese 3 $805,000 $268,333 $847 6.79%
    Asian Indian 2 $620,000 $310,000 $633 6.18%
    Filipino 2 $540,000 $270,000 $1,543 5.87%
    Other Asian 1 $305,000 $305,000 $8,237 6.00%
    Chinese 1 $225,000 $225,000 $545 7.13%

    Approval Rates

    Total approvals of all applications
    92.17%

    Dsld Mortgage has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.94%

    Dsld Mortgage has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,774 $728,770,000 $262,714

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,774 $728,770,000 $262,714

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 67 $6,895,000 $102,910 $1,068 6.14%
    40-60% 126 $21,480,000 $170,476 $1,217 6.23%
    60-80% 345 $81,935,000 $237,493 $1,676 6.34%
    80-100% 2,031 $557,315,000 $274,404 $3,654 6.02%
    Over 100% 186 $59,890,000 $321,989 $9,682 5.85%
    Under 20% 19 $1,255,000 $66,053 $1,051 5.94%