Dhi Mortgage Company Ltd. Rates, Fees & Info
DALLAS, TXLEI: 5493001SXWZ4OFP8Z903
Tax ID: 74-2853239
2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Dhi Mortgage Company Ltd. is a large mortgage company specializing in Home Purchase loans. Dhi Mortgage Company Ltd. 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 include Dallas, Houston, Atlanta, San Antonio, and Austin among others. They have an average approval rate for mortages when compared nationally -- and they have a below average pick rate when compared to the same sample of other lendors. Dhi Mortgage Company Ltd. is typically an average fee lendor.Originations
51,243Origination Dollar Volume (All Markets)
$13,496,675,000Awards
Details
DHI MORTGAGE COMPANY LTD. - 2020 Certified Lowest Rate Lender
DHI MORTGAGE COMPANY LTD. is a 2020 Certified Lowest Rate Lender due to their exceptionally low rates.
For 2020, less than 2.9% of lenders were eligible for this award.
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Relative Rate
Dhi Mortgage Company Ltd.'s average 30 year fixed rate mortgage was
2.99%.
The 2020 average 30 year fixed rate mortgage across all markets was 3.36%.
This yields a difference of -0.37%.
Relative Fees
Dhi Mortgage Company Ltd.'s average total fees for a 30 year fixed rate
mortgage are $5,705.
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 $5,021.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 24,066 | $6,148,230,000 | $255,474 | $3,348 | 3.12% |
| FHA | 16,375 | $4,260,335,000 | $260,173 | $7,861 | 2.91% |
| VA | 9,061 | $2,674,945,000 | $295,215 | $7,175 | 2.82% |
| USDA | 1,741 | $413,165,000 | $237,315 | $5,464 | 2.86% |
For the 2020 period, Dhi Mortgage Company Ltd.'s most frequently originated loan type was Conventional, with 24,066 originations. Their 2nd most popular type is FHA, with 16,375 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 50,793 | $13,368,945,000 | $263,204 | $5,648 | 2.98% |
| Refi | 336 | $96,490,000 | $287,173 | $3,013 | 3.11% |
| Cash Out Refi | 114 | $31,240,000 | $274,035 | $3,294 | 3.46% |
For the 2020, Dhi Mortgage Company Ltd.'s most frequently cited loan purpose was Home Purchase, with 50,793 originations. The 2nd most popular reason was Refi, with 336 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 49,665 | $13,232,395,000 | $266,433 | $5,704 | 2.99% |
| 15 Year | 994 | $205,420,000 | $206,660 | $2,778 | 2.72% |
| 20 Year | 211 | $49,795,000 | $235,995 | $2,766 | 3.09% |
| 3 Year | 180 | $1,460,000 | $8,111 | $873 | 0.00% |
| 30+ year | 65 | $595,000 | $9,154 | $0 | 4.14% |
| 10 Year | 55 | $5,145,000 | $93,545 | $1,718 | 3.04% |
| 5 Year | 40 | $510,000 | $12,750 | $121 | 0.00% |
| Other | 33 | $1,355,000 | $41,061 | $4,927 | 3.22% |
For the 2020, Dhi Mortgage Company Ltd.'s most frequently cited loan length was 30 Year, with 49,665 originations. The 2nd most popular length was 15 Year, with 994 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 40,501 | $10,694,855,000 | $264,064 |
| $1k-2k | 4,832 | $1,314,090,000 | $271,956 |
| $2k-3k | 2,145 | $624,665,000 | $291,219 |
| $3k-4k | 1,388 | $451,700,000 | $325,432 |
| $5k+ | 415 | $170,305,000 | $410,373 |
$5,705 was Dhi Mortgage Company Ltd.'s average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 40,501 originations.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| DALLAS-PLANO-IRVING, TX | 4,181 | $981,165,000 | $234,672 | $6,289 | 2.97% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 4,155 | $928,795,000 | $223,537 | $6,378 | 2.92% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA | 2,104 | $563,020,000 | $267,595 | $5,295 | 2.99% |
| SAN ANTONIO-NEW BRAUNFELS, TX | 2,361 | $547,595,000 | $231,934 | $6,587 | 2.86% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX | 2,386 | $538,120,000 | $225,532 | $6,181 | 3.05% |
| LAS VEGAS-HENDERSON-PARADISE, NV | 1,282 | $388,100,000 | $302,730 | $6,537 | 2.95% |
| FORT WORTH-ARLINGTON-GRAPEVINE, TX | 1,608 | $377,850,000 | $234,981 | $6,535 | 3.01% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 1,530 | $374,980,000 | $245,085 | $5,443 | 3.08% |
| JACKSONVILLE, FL | 1,568 | $370,910,000 | $236,550 | $5,180 | 2.94% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 1,337 | $358,745,000 | $268,321 | $1,970 | 3.08% |
| PHOENIX-MESA-CHANDLER, AZ | 1,437 | $343,765,000 | $239,224 | $5,806 | 3.09% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 923 | $339,535,000 | $367,860 | $7,885 | 2.95% |
| SEATTLE-BELLEVUE-KENT, WA | 711 | $338,875,000 | $476,617 | $6,034 | 3.05% |
| ORLANDO-KISSIMMEE-SANFORD, FL | 967 | $270,285,000 | $279,509 | $5,919 | 2.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 649 | $225,325,000 | $347,188 | $1,383 | 3.01% |
| URBAN HONOLULU, HI | 334 | $186,730,000 | $559,072 | $11,215 | 3.02% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 520 | $174,480,000 | $335,538 | $5,427 | 3.08% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 825 | $173,645,000 | $210,479 | $4,005 | 3.03% |
| CHARLESTON-NORTH CHARLESTON, SC | 598 | $169,940,000 | $284,181 | $6,065 | 2.94% |
| DENVER-AURORA-LAKEWOOD, CO | 430 | $167,620,000 | $389,814 | $6,811 | 3.05% |
| KILLEEN-TEMPLE, TX | 741 | $167,075,000 | $225,472 | $6,177 | 2.86% |
| DAPHNE-FAIRHOPE-FOLEY, AL | 651 | $145,525,000 | $223,541 | $3,449 | 2.98% |
| CAPE CORAL-FORT MYERS, FL | 663 | $145,345,000 | $219,223 | $5,001 | 3.09% |
| PENSACOLA-FERRY PASS-BRENT, FL | 578 | $143,270,000 | $247,872 | $5,447 | 2.96% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 583 | $138,085,000 | $236,852 | $5,426 | 2.97% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 567 | $136,765,000 | $241,208 | $5,200 | 2.99% |
| LAKELAND-WINTER HAVEN, FL | 548 | $130,480,000 | $238,102 | $6,623 | 2.78% |
| PROVO-OREM, UT | 462 | $129,330,000 | $279,935 | $3,867 | 3.04% |
| TUCSON, AZ | 517 | $129,325,000 | $250,145 | $5,152 | 3.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD | 315 | $127,755,000 | $405,571 | $7,420 | 2.97% |
| GREENVILLE-ANDERSON, SC | 543 | $124,385,000 | $229,070 | $5,061 | 2.93% |
| GREELEY, CO | 359 | $122,755,000 | $341,936 | $6,075 | 3.12% |
| NORTH PORT-SARASOTA-BRADENTON, FL | 455 | $117,435,000 | $258,099 | $5,077 | 3.12% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 440 | $115,060,000 | $261,500 | $4,363 | 3.05% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 405 | $101,795,000 | $251,346 | $3,634 | 2.96% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA | 292 | $100,590,000 | $344,486 | $5,119 | 3.07% |
| COLUMBUS, OH | 339 | $95,325,000 | $281,195 | $5,591 | 2.94% |
| PANAMA CITY, FL | 395 | $92,895,000 | $235,177 | $5,731 | 2.87% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA | 173 | $90,015,000 | $520,318 | $8,880 | 2.95% |
| RENO, NV | 277 | $89,695,000 | $323,809 | $5,825 | 3.01% |
| Outside of Metro Areas | 373 | $89,025,000 | $238,673 | $5,008 | 3.05% |
| ALBUQUERQUE, NM | 366 | $86,370,000 | $235,984 | $5,227 | 3.24% |
| TACOMA-LAKEWOOD, WA | 196 | $82,480,000 | $420,816 | $6,762 | 2.85% |
| MIAMI-MIAMI BEACH-KENDALL, FL | 243 | $82,165,000 | $338,128 | $7,659 | 2.92% |
| HUNTSVILLE, AL | 386 | $80,960,000 | $209,741 | $3,822 | 3.08% |
| GULFPORT-BILOXI, MS | 333 | $79,665,000 | $239,234 | $5,276 | 2.83% |
| MIDLAND, TX | 254 | $74,210,000 | $292,165 | $7,394 | 3.17% |
| BIRMINGHAM-HOOVER, AL | 287 | $73,535,000 | $256,220 | $4,755 | 2.96% |
| COLUMBIA, SC | 293 | $72,935,000 | $248,925 | $5,435 | 2.90% |
| NEW BRUNSWICK-LAKEWOOD, NJ | 225 | $72,465,000 | $322,067 | $6,089 | 3.00% |
| PORT ST. LUCIE, FL | 275 | $70,745,000 | $257,255 | $5,497 | 3.01% |
| ELGIN, IL | 300 | $70,610,000 | $235,367 | $1,759 | 3.02% |
| BATON ROUGE, LA | 287 | $67,475,000 | $235,105 | $5,669 | 2.84% |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 266 | $65,030,000 | $244,474 | $5,658 | 2.86% |
| NEW ORLEANS-METAIRIE, LA | 256 | $63,870,000 | $249,492 | $6,554 | 2.96% |
| RALEIGH-CARY, NC | 245 | $62,735,000 | $256,061 | $4,905 | 3.12% |
| CHICAGO-NAPERVILLE-EVANSTON, IL | 244 | $62,020,000 | $254,180 | $2,114 | 2.94% |
| KNOXVILLE, TN | 276 | $60,220,000 | $218,188 | $4,239 | 3.08% |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 127 | $55,585,000 | $437,677 | $7,970 | 2.87% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 192 | $54,320,000 | $282,917 | $5,898 | 3.06% |
| SALEM, OR | 175 | $53,095,000 | $303,400 | $6,119 | 3.01% |
| HILTON HEAD ISLAND-BLUFFTON, SC | 196 | $52,510,000 | $267,908 | $5,443 | 3.01% |
| FORT COLLINS, CO | 136 | $51,230,000 | $376,691 | $6,283 | 3.02% |
| VISALIA, CA | 179 | $50,325,000 | $281,145 | $6,747 | 2.94% |
| SALISBURY, MD-DE | 206 | $50,180,000 | $243,592 | $4,948 | 2.96% |
| GAINESVILLE, GA | 210 | $50,100,000 | $238,571 | $4,710 | 2.96% |
| DES MOINES-WEST DES MOINES, IA | 220 | $49,530,000 | $225,136 | $2,778 | 2.96% |
| OAKLAND-BERKELEY-LIVERMORE, CA | 79 | $48,945,000 | $619,557 | $10,463 | 2.93% |
| NAPLES-MARCO ISLAND, FL | 143 | $46,925,000 | $328,147 | $5,168 | 3.09% |
| FRESNO, CA | 166 | $46,520,000 | $280,241 | $7,041 | 3.01% |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 78 | $45,770,000 | $586,795 | $6,783 | 3.08% |
| SPOKANE-SPOKANE VALLEY, WA | 143 | $45,665,000 | $319,336 | $4,582 | 2.85% |
| MERCED, CA | 149 | $44,705,000 | $300,034 | $6,351 | 2.98% |
| OLYMPIA-LACEY-TUMWATER, WA | 107 | $44,115,000 | $412,290 | $7,983 | 2.95% |
| VALLEJO, CA | 93 | $43,625,000 | $469,086 | $9,473 | 2.95% |
| WINSTON-SALEM, NC | 194 | $43,020,000 | $221,753 | $4,126 | 3.11% |
| OCALA, FL | 200 | $39,980,000 | $199,900 | $4,730 | 3.12% |
| SALT LAKE CITY, UT | 145 | $39,775,000 | $274,310 | $4,181 | 3.35% |
| PUNTA GORDA, FL | 206 | $39,430,000 | $191,408 | $4,232 | 3.10% |
| SAVANNAH, GA | 173 | $39,415,000 | $227,832 | $5,826 | 2.97% |
| SPARTANBURG, SC | 177 | $38,955,000 | $220,085 | $5,181 | 2.97% |
| OGDEN-CLEARFIELD, UT | 118 | $38,430,000 | $325,678 | $4,239 | 3.02% |
| ODESSA, TX | 152 | $37,230,000 | $244,934 | $7,646 | 2.99% |
| MOBILE, AL | 155 | $37,005,000 | $238,742 | $4,250 | 2.95% |
| DOVER, DE | 141 | $35,675,000 | $253,014 | $7,246 | 2.92% |
| FREDERICK-GAITHERSBURG-ROCKVILLE, MD | 87 | $34,315,000 | $394,425 | $6,249 | 3.01% |
| LAKE CHARLES, LA | 155 | $33,575,000 | $216,613 | $5,616 | 2.99% |
| BURLINGTON, NC | 125 | $31,805,000 | $254,440 | $4,410 | 2.97% |
| RICHMOND, VA | 91 | $28,875,000 | $317,308 | $5,498 | 2.92% |
| GREENSBORO-HIGH POINT, NC | 126 | $28,220,000 | $223,968 | $4,675 | 3.15% |
| SEBASTIAN-VERO BEACH, FL | 123 | $27,435,000 | $223,049 | $4,261 | 2.97% |
| WACO, TX | 127 | $27,115,000 | $213,504 | $5,297 | 3.02% |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 70 | $26,070,000 | $372,429 | $6,101 | 3.09% |
| GAINESVILLE, FL | 105 | $24,345,000 | $231,857 | $5,134 | 3.07% |
| BAKERSFIELD, CA | 83 | $22,385,000 | $269,699 | $6,934 | 3.05% |
| CAMDEN, NJ | 76 | $22,090,000 | $290,658 | $5,556 | 3.03% |
| HAMMOND, LA | 107 | $20,655,000 | $193,037 | $5,243 | 2.92% |
| WILMINGTON, NC | 76 | $19,450,000 | $255,921 | $4,323 | 2.92% |
| LAFAYETTE, LA | 91 | $19,115,000 | $210,055 | $5,286 | 2.98% |
| FORT WAYNE, IN | 85 | $18,885,000 | $222,176 | $3,330 | 3.02% |
| ATLANTIC CITY-HAMMONTON, NJ | 71 | $18,465,000 | $260,070 | $7,039 | 2.91% |
| KAHULUI-WAILUKU-LAHAINA, HI | 29 | $17,765,000 | $612,586 | $10,979 | 3.27% |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 54 | $17,670,000 | $327,222 | $6,687 | 2.77% |
| COLLEGE STATION-BRYAN, TX | 78 | $17,310,000 | $221,923 | $5,288 | 2.80% |
| BEND, OR | 49 | $17,235,000 | $351,735 | $4,875 | 2.97% |
| OKLAHOMA CITY, OK | 68 | $16,570,000 | $243,676 | $5,143 | 2.82% |
| DURHAM-CHAPEL HILL, NC | 59 | $15,735,000 | $266,695 | $5,068 | 3.00% |
| YUBA CITY, CA | 41 | $13,695,000 | $334,024 | $7,403 | 2.94% |
| MODESTO, CA | 40 | $13,400,000 | $335,000 | $5,396 | 3.31% |
| STOCKTON, CA | 29 | $11,515,000 | $397,069 | $7,159 | 3.16% |
| MADERA, CA | 30 | $11,340,000 | $378,000 | $6,535 | 2.95% |
| NEW BERN, NC | 45 | $9,485,000 | $210,778 | $5,852 | 2.94% |
| ASHEVILLE, NC | 32 | $8,920,000 | $278,750 | $1,837 | 2.87% |
| TUSCALOOSA, AL | 35 | $8,245,000 | $235,571 | $5,077 | 3.15% |
| KINGSPORT-BRISTOL, TN-VA | 39 | $7,965,000 | $204,231 | $3,924 | 2.93% |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 25 | $7,335,000 | $293,400 | $1,637 | 3.13% |
| FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL | 23 | $6,375,000 | $277,174 | $7,372 | 2.95% |
| ROCKY MOUNT, NC | 33 | $6,235,000 | $188,939 | $5,009 | 3.11% |
| SANTA FE, NM | 22 | $6,090,000 | $276,818 | $5,639 | 3.15% |
| GREENVILLE, NC | 27 | $6,005,000 | $222,407 | $4,355 | 2.94% |
| SEBRING-AVON PARK, FL | 24 | $5,870,000 | $244,583 | $7,590 | 3.02% |
| THE VILLAGES, FL | 28 | $5,670,000 | $202,500 | $4,843 | 2.83% |
| OCEAN CITY, NJ | 18 | $5,060,000 | $281,111 | $4,134 | 3.13% |
| MONTGOMERY, AL | 20 | $4,600,000 | $230,000 | $4,936 | 2.77% |
| HAGERSTOWN-MARTINSBURG, MD-WV | 25 | $4,465,000 | $178,600 | $4,764 | 3.27% |
| ATHENS-CLARKE COUNTY, GA | 19 | $4,315,000 | $227,105 | $3,576 | 3.01% |
| MORRISTOWN, TN | 23 | $4,265,000 | $185,435 | $3,514 | 2.93% |
| JACKSONVILLE, NC | 19 | $4,235,000 | $222,895 | $6,132 | 2.97% |
| SHERMAN-DENISON, TX | 21 | $3,685,000 | $175,476 | $4,476 | 3.04% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 6 | $2,820,000 | $470,000 | $3,707 | 3.35% |
| CHAMBERSBURG-WAYNESBORO, PA | 11 | $2,725,000 | $247,727 | $6,684 | 2.68% |
| JOHNSON CITY, TN | 12 | $2,550,000 | $212,500 | $3,308 | 2.96% |
| SANTA MARIA-SANTA BARBARA, CA | 6 | $2,530,000 | $421,667 | $6,501 | 2.96% |
| CHATTANOOGA, TN-GA | 7 | $1,655,000 | $236,429 | $7,066 | 3.77% |
| COLORADO SPRINGS, CO | 5 | $1,635,000 | $327,000 | $10,989 | 2.53% |
| CINCINNATI, OH-KY-IN | 6 | $1,490,000 | $248,333 | $4,007 | 3.19% |
| HOMOSASSA SPRINGS, FL | 9 | $1,415,000 | $157,222 | $3,438 | 3.32% |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 2 | $1,330,000 | $665,000 | $5,095 | 3.63% |
| BOULDER, CO | 4 | $1,200,000 | $300,000 | $1,600 | 3.06% |
| AMES, IA | 5 | $1,035,000 | $207,000 | $1,413 | 2.90% |
| VINELAND-BRIDGETON, NJ | 5 | $1,015,000 | $203,000 | $4,246 | 2.67% |
| MOUNT VERNON-ANACORTES, WA | 2 | $990,000 | $495,000 | $4,140 | 2.94% |
| DAYTON-KETTERING, OH | 4 | $980,000 | $245,000 | $5,839 | 2.81% |
| HANFORD-CORCORAN, CA | 4 | $850,000 | $212,500 | $4,255 | 3.09% |
| CORPUS CHRISTI, TX | 2 | $720,000 | $360,000 | $4,513 | 3.13% |
| ANAHEIM-SANTA ANA-IRVINE, CA | 1 | $705,000 | $705,000 | $7,228 | 3.25% |
| TYLER, TX | 3 | $705,000 | $235,000 | $8,319 | 2.91% |
| CHICO, CA | 2 | $550,000 | $275,000 | $2,615 | 3.63% |
| WENATCHEE, WA | 1 | $515,000 | $515,000 | $3,137 | 3.25% |
| LONGVIEW, WA | 1 | $475,000 | $475,000 | $2,549 | 3.25% |
| WILMINGTON, DE-MD-NJ | 1 | $445,000 | $445,000 | $8,999 | 3.38% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA | 1 | $395,000 | $395,000 | $14,307 | 3.75% |
| TALLAHASSEE, FL | 2 | $370,000 | $185,000 | $4,692 | 2.63% |
| LAREDO, TX | 1 | $345,000 | $345,000 | $17,761 | 3.13% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 1 | $345,000 | $345,000 | $9,175 | 3.38% |
| BELLINGHAM, WA | 1 | $325,000 | $325,000 | $2,513 | 3.50% |
| EL PASO, TX | 4 | $300,000 | $75,000 | $5,906 | 3.00% |
| WARNER ROBINS, GA | 1 | $285,000 | $285,000 | $8,598 | 3.00% |
| ST. GEORGE, UT | 1 | $275,000 | $275,000 | $2,656 | 2.50% |
| MCALLEN-EDINBURG-MISSION, TX | 1 | $255,000 | $255,000 | $8,700 | 2.88% |
| BEAUMONT-PORT ARTHUR, TX | 1 | $225,000 | $225,000 | $2,709 | 2.50% |
| GARY, IN | 1 | $155,000 | $155,000 | $4,923 | 3.25% |
| FAYETTEVILLE, NC | 1 | $135,000 | $135,000 | $4,453 | 3.63% |
| ANNISTON-OXFORD, AL | 1 | $115,000 | $115,000 | $4,881 | 3.00% |
Dhi Mortgage Company Ltd.'s top markets include Dallas, Houston, Atlanta, San Antonio, and Austin among others.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 26,617 | $7,147,655,000 | $268,537 |
| 3-4% | 14,730 | $3,930,380,000 | $266,828 |
| <2.5% | 8,057 | $2,211,885,000 | $274,530 |
| 4-5% | 858 | $192,720,000 | $224,615 |
| 5-6% | 66 | $7,240,000 | $109,697 |
| 6-7% | 3 | $275,000 | $91,667 |
During 2020, Dhi Mortgage Company Ltd.'s average interest rate was 2.99%, while their most frequently originated rate bucket was 2.5-3%, with 26,617 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $200k-400k | 38,228 | $10,240,850,000 | $267,889 | $5,821 | 2.96% |
| $100k-200k | 7,577 | $1,309,365,000 | $172,808 | $3,874 | 3.09% |
| $400k-600k | 3,496 | $1,623,120,000 | $464,279 | $7,221 | 2.98% |
| $100,000 or less | 1,545 | $45,715,000 | $29,589 | $1,569 | 3.35% |
| $600k-1MM | 388 | $265,690,000 | $684,768 | $11,014 | 2.95% |
| $1MM+ | 9 | $11,935,000 | $1,326,111 | $13,685 | 2.96% |
2020 saw Dhi Mortgage Company Ltd. place emphasis on $200k-400k loans with 38,228 originations, totaling $10,240,850,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k-75k | 17,882 | $4,220,740,000 | $236,033 | $5,738 | 2.95% |
| $75k-100k | 12,470 | $3,378,950,000 | $270,966 | $5,963 | 2.99% |
| $100k-150k | 10,379 | $3,229,195,000 | $311,128 | $5,729 | 3.01% |
| $50k or less | 5,730 | $1,121,370,000 | $195,702 | $4,715 | 2.95% |
| $150k-250k | 3,499 | $1,156,355,000 | $330,482 | $5,279 | 3.08% |
| $250k+ | 778 | $249,760,000 | $321,028 | $4,480 | 3.22% |
Dhi Mortgage Company Ltd. lent most frequently to those with incomes in the $50k-75k range, with 17,882 originations. The second most popular income band? $75k-100k, with 12,470 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 50-60% | 8,400 | $2,220,860,000 | $264,388 | $7,832 | 2.88% |
| 30-36% | 7,533 | $2,020,385,000 | $268,205 | $4,931 | 3.01% |
| 20-30% | 6,334 | $1,679,220,000 | $265,112 | $4,207 | 3.00% |
| 44% | 2,440 | $643,920,000 | $263,902 | $5,550 | 3.04% |
| 49% | 2,377 | $600,225,000 | $252,514 | $5,703 | 3.00% |
| 43% | 2,173 | $572,125,000 | $263,288 | $5,495 | 3.03% |
| 42% | 2,074 | $545,580,000 | $263,057 | $5,445 | 3.01% |
| 45% | 1,961 | $510,365,000 | $260,258 | $5,691 | 2.98% |
| 48% | 1,936 | $501,260,000 | $258,915 | $6,038 | 2.98% |
| 41% | 1,928 | $512,090,000 | $265,607 | $5,432 | 3.02% |
| 40% | 1,869 | $498,465,000 | $266,701 | $5,380 | 3.03% |
| 39% | 1,808 | $479,460,000 | $265,188 | $5,433 | 3.01% |
| 38% | 1,778 | $476,310,000 | $267,891 | $5,395 | 3.02% |
| 47% | 1,772 | $464,570,000 | $262,173 | $5,855 | 2.98% |
| 46% | 1,757 | $454,865,000 | $258,887 | $5,874 | 3.01% |
| 37% | 1,622 | $432,640,000 | $266,732 | $5,420 | 3.03% |
| 36% | 1,608 | $423,140,000 | $263,147 | $5,148 | 3.00% |
| <20% | 1,493 | $342,745,000 | $229,568 | $3,256 | 3.01% |
| >60% | 380 | $118,450,000 | $311,711 | $7,345 | 2.82% |
Dhi Mortgage Company Ltd. lent most frequently to those with DTI ratios of 50-60%, with 8,400 originations. The next most common DTI ratio? 30-36%, with 7,533 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 30,158 | $7,762,380,000 | $257,390 | $5,395 | 2.99% |
| Black | 8,413 | $2,177,125,000 | $258,781 | $6,283 | 2.93% |
| Not provided | 7,715 | $2,050,185,000 | $265,740 | $5,924 | 3.01% |
| Asian | 3,308 | $1,031,900,000 | $311,941 | $5,357 | 3.05% |
| American Indian | 601 | $154,965,000 | $257,845 | $6,173 | 2.91% |
| Asian Indian | 443 | $132,915,000 | $300,034 | $4,006 | 3.00% |
| Filipino | 145 | $52,705,000 | $363,483 | $6,841 | 2.86% |
| Native Hawaiian | 136 | $43,070,000 | $316,691 | $6,767 | 3.03% |
| Other Asian | 144 | $41,710,000 | $289,653 | $4,988 | 2.93% |
| Chinese | 62 | $16,780,000 | $270,645 | $4,581 | 3.08% |
| Vietnamese | 36 | $9,240,000 | $256,667 | $4,898 | 2.99% |
| Korean | 28 | $8,010,000 | $286,071 | $4,004 | 2.91% |
| Other Pacific Islander | 26 | $7,620,000 | $293,077 | $7,221 | 2.89% |
| Guamanian | 13 | $3,305,000 | $254,231 | $7,330 | 2.99% |
| Japanese | 8 | $2,150,000 | $268,750 | $3,793 | 3.05% |
| Samoan | 5 | $1,635,000 | $327,000 | $5,826 | 2.97% |
| Native Hawiian | 2 | $980,000 | $490,000 | $10,250 | 2.63% |
Approval Rates
Total approvals of all applications77.33%
Dhi Mortgage Company Ltd. has a below average approval rate.
Pick Rate
Approvals leading to origination58.56%
Dhi Mortgage Company Ltd. 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 |
|---|---|---|---|
| 0.0 | 824 | $5,480,000 | $6,650 |
| NA | 50,419 | $13,491,195,000 | $267,582 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 51,243 | $13,496,675,000 | $263,386 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 711 | $78,825,000 | $110,865 | $2,330 | 2.98% |
| 40-60% | 1,459 | $265,105,000 | $181,703 | $2,692 | 3.03% |
| 60-80% | 6,672 | $1,687,530,000 | $252,927 | $3,404 | 3.14% |
| 80-100% | 37,704 | $10,346,900,000 | $274,424 | $5,650 | 2.97% |
| Over 100% | 3,580 | $1,105,860,000 | $308,899 | $11,110 | 2.81% |
| Under 20% | 1,117 | $12,455,000 | $11,150 | $786 | 4.01% |