Dsld Mortgage Rates, Fees & InfoDOVER, DE
Tax ID: 26-2434560
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewDsld 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. Their top markets by origination volume include: Baton Rouge, Lafayette, New Orleans, Huntsville, and Hammond among others. We have data for 19 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.
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|Simulated Rate||Simulation Date|
|30 Year Conventional Purchase||6.69%||11/30/23|
|30 Year FHA Purchase||7.29%||11/30/23|
|30 Year VA Purchase||6.41%||11/30/23|
|30 Year USDA Purchase||6.65%||11/30/23|
|15 Year Conventional Purchase||6.13%||11/30/23|
|15 Year FHA Purchase||6.81%||11/30/23|
|15 Year VA Purchase||5.68%||11/30/23|
|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 EstimatesEstimated 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.
Origination Dollar Volume (All Markets)$422,385,000
DSLD MORTGAGE - 2022
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For 2022, less than of lenders were eligible for this award.
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Dsld Mortgage's average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.05%.
Relative Fees (Closing Costs)
Dsld Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $4,369.
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 $4,750.
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)||564||$139,770,000||$247,819||$4,432||4.90%|
|LAFAYETTE, LA (FHA|USDA|VA)||194||$45,070,000||$232,320||$3,560||4.69%|
|NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA)||165||$42,345,000||$256,636||$4,140||4.66%|
|HUNTSVILLE, AL (FHA|USDA|VA)||121||$33,255,000||$274,835||$3,464||4.70%|
|HAMMOND, LA (FHA|USDA|VA)||130||$29,930,000||$230,231||$5,034||4.78%|
|DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA)||112||$25,880,000||$231,071||$3,082||4.53%|
|HOUMA-THIBODAUX, LA (FHA|USDA|VA)||104||$24,360,000||$234,231||$4,296||4.89%|
|SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA)||86||$22,460,000||$261,163||$5,849||4.77%|
|GULFPORT-BILOXI, MS (FHA|USDA|VA)||61||$16,845,000||$276,148||$5,242||4.95%|
|LAKE CHARLES, LA (FHA|USDA|VA)||73||$16,535,000||$226,507||$3,581||4.74%|
|PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA)||43||$13,335,000||$310,116||$5,327||4.72%|
|CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA)||14||$5,440,000||$388,571||$6,818||4.99%|
|MONROE, LA (FHA|USDA|VA)||19||$4,835,000||$254,474||$5,319||4.80%|
|BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA)||4||$950,000||$237,500||$4,000||6.50%|
|SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA)||1||$345,000||$345,000||$4,222||3.63%|
|DECATUR, AL (FHA|USDA|VA)||1||$295,000||$295,000||$8,572||3.75%|
|Outside of Metro Areas||1||$265,000||$265,000||$5,355||7.13%|
|Opelousas, LA (FHA|USDA|VA)||1||$235,000||$235,000||$5,514||5.13%|
|MOBILE, AL (FHA|USDA|VA)||1||$235,000||$235,000||$7,539||4.88%|
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.
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Dsld Mortgage's most frequently originated type of loan was Conventional, with 801 originations. Their 2nd most popular type was FHA, with 555 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Dsld Mortgage's most frequently cited loan purpose was Home Purchase, with 1,695 originations.
For 2022, Dsld Mortgage's most frequently cited loan duration was 30 Year, with 1,649 originations. The 2nd most popular length was 15 Year, with 32 originations.
Origination Fees/Closing Costs
Dsld Mortgage's average total fees were $4,369, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,044 originations.
During 2022, Dsld Mortgage's average interest rate for loans was 4.81%, while their most frequently originated rate bucket for loans was 5-6%, with 560 originations.
2022 saw Dsld Mortgage place emphasis on $200k-400k loans with 1,456 originations, totaling $379,640,000 in origination value.
Dsld Mortgage lent most frequently to those with incomes in the $50k-75k range, with 582 originations. The second most popular income band? $75k-100k, with 446 originations.
Applicant Debt to Income Ratio
Dsld Mortgage lent most frequently to those with DTI ratios of 30-36%, with 310 originations. The next most common DTI ratio? 50-60%, with 251 originations.
Approval RatesTotal approvals of all applications
Dsld Mortgage has an average approval rate.
Pick RateApprovals leading to origination
Dsld Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
|Points||Originations||Total Value||Average Loan|