Dsld Mortgage Rates, Fees & Info
DOVER, DELEI: 5493001F7QT2YW3K8D98
Tax ID: 26-2434560
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Mortgage Data
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 an average proportion of FHA loans. Their top markets by origination volume include: Baton Rouge, New Orleans, Gulfport, Hammond, and Huntsville among others. We have data for 14 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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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.69% | 4/21/24 |
| 30 Year FHA Purchase | 7.29% | 4/21/24 |
| 30 Year VA Purchase | 6.41% | 4/21/24 |
| 30 Year USDA Purchase | 6.65% | 4/21/24 |
| 15 Year Conventional Purchase | 6.13% | 4/21/24 |
| 15 Year FHA Purchase | 6.81% | 4/21/24 |
| 15 Year VA Purchase | 5.68% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,681Origination Dollar Volume (All Markets)
$349,995,000Awards
DSLD MORTGAGE - 2019
DSLD MORTGAGE is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 366 | $76,370,000 | $208,661 | $3,554 | 3.96% |
| Outside of Metro Areas | 234 | $48,250,000 | $206,197 | $3,908 | 4.12% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 203 | $41,815,000 | $205,985 | $3,683 | 4.05% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 153 | $31,245,000 | $204,216 | $3,980 | 3.89% |
| HAMMOND, LA (FHA|USDA|VA) | 141 | $25,925,000 | $183,865 | $3,565 | 3.96% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 112 | $24,960,000 | $222,857 | $3,343 | 4.01% |
| LAFAYETTE, LA (FHA|USDA|VA) | 125 | $24,295,000 | $194,360 | $3,659 | 3.98% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 80 | $23,250,000 | $290,625 | $5,389 | 3.98% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 63 | $14,045,000 | $222,937 | $2,814 | 4.12% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 71 | $13,635,000 | $192,042 | $3,601 | 4.06% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 67 | $12,995,000 | $193,955 | $3,625 | 4.13% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 57 | $11,425,000 | $200,439 | $4,016 | 3.81% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 8 | $1,470,000 | $183,750 | $4,607 | 3.66% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,600 | 3.38% |
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.
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Product Mix
For 2019, Dsld Mortgage's most frequently originated type of loan was Conventional, with 913 originations. Their 2nd most popular type was VA, with 338 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 1,681 | $349,995,000 | $208,206 | $3,741 | 4.00% |
For 2019, Dsld Mortgage's most frequently cited loan purpose was Home Purchase, with 1,681 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 1,680 | $349,740,000 | $208,179 | $3,741 | 4.00% |
| Other | 1 | $255,000 | $255,000 | $4,373 | 4.05% |
For 2019, Dsld Mortgage's most frequently cited loan duration was 30 Year, with 1,680 originations. The 2nd most popular length was Other, with 1 originations.
Origination Fees/Closing Costs
Dsld Mortgage's average total fees were $3,741, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,441 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,020 | $216,510,000 | $212,265 |
| 4-5% | 608 | $123,410,000 | $202,977 |
| 5-6% | 43 | $8,235,000 | $191,512 |
| 2.5-3% | 9 | $1,735,000 | $192,778 |
| 6-7% | 1 | $105,000 | $105,000 |
During 2019, Dsld Mortgage's average interest rate for loans was 4.00%, while their most frequently originated rate bucket for loans was 3-4%, with 1,020 originations.
Loan Sizing
2019 saw Dsld Mortgage place emphasis on $200k-400k loans with 898 originations, totaling $216,570,000 in origination value.
Applicant Income
Dsld Mortgage lent most frequently to those with incomes in the $50k-75k range, with 524 originations. The second most popular income band? $50k or less, with 448 originations.
Applicant Debt to Income Ratio
Dsld Mortgage lent most frequently to those with DTI ratios of 20-30%, with 316 originations. The next most common DTI ratio? 30-36%, with 303 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.79%
Dsld Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination58.54%
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 |
|---|---|---|---|
| NA | 1,681 | $349,995,000 | $208,206 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 1,681 | $349,995,000 | $208,206 |