Dhi Mortgage Company Ltd. Rates, Fees & Info

DALLAS, TX

LEI: 5493001SXWZ4OFP8Z903

Tax ID: 74-2853239

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

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Mortgage Data

Review & Overview

Dhi Mortgage Company Ltd. is a mid-sized mortgage company specializing in Home Purchase loans. Dhi Mortgage Company Ltd. has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Dallas, Austin, Atlanta, San Antonio, and Houston among others. We have data for 130 markets. (Some data included below & more in-depth data is available with an active subscription.)

Dhi Mortgage Company Ltd. has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Dhi Mortgage Company Ltd. is typically an average 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 6.05% 4/22/24
30 Year Conventional Refi 6.43% 4/22/24
30 Year Cash-out Refi 6.79% 4/22/24
30 Year FHA Purchase 6.72% 4/22/24
30 Year FHA Refi 6.27% 4/22/24
30 Year VA Purchase 5.75% 4/22/24
30 Year USDA Purchase 6.15% 4/22/24
15 Year Conventional Purchase 5.75% 4/22/24
15 Year Conventional Refi 6.01% 4/22/24
15 Year Cash-out Refi 6.01% 4/22/24
15 Year FHA Purchase 6.70% 4/22/24
15 Year VA Purchase 5.82% 4/22/24
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.

Dhi Mortgage Company Ltd. Mortgage Calculator






Your Estimates

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

This is not an official calculator from Dhi Mortgage Company Ltd.. 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

18,022

Origination Dollar Volume (All Markets)

$4,505,240,000
Show all (114) awards

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
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2,329 $557,515,000 $239,380 $6,103 4.70%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1,330 $276,160,000 $207,639 $5,771 4.70%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 909 $237,045,000 $260,776 $5,163 4.77%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 967 $218,605,000 $226,065 $6,619 4.65%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 989 $208,125,000 $210,440 $5,954 4.83%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 784 $157,850,000 $201,339 $5,536 4.84%
JACKSONVILLE, FL (FHA|USDA|VA) 652 $141,350,000 $216,794 $4,396 4.82%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 337 $139,775,000 $414,763 $7,072 4.46%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 347 $120,025,000 $345,893 $6,017 4.59%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 365 $108,705,000 $297,822 $4,795 4.57%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 259 $103,825,000 $400,869 $10,985 4.44%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 520 $102,400,000 $196,923 $4,424 4.80%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 416 $98,240,000 $236,154 $2,928 4.65%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 263 $82,395,000 $313,289 $1,384 4.45%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 222 $77,120,000 $347,387 $6,074 4.46%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 294 $72,530,000 $246,701 $5,116 4.81%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 316 $72,190,000 $228,449 $4,541 4.74%
URBAN HONOLULU, HI (FHA|USDA|VA) 142 $70,950,000 $499,648 $9,762 4.40%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 325 $61,915,000 $190,508 $5,307 4.48%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 89 $61,845,000 $694,888 $9,556 4.12%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 275 $56,155,000 $204,200 $4,721 4.88%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 182 $55,440,000 $304,615 $4,735 4.51%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 115 $51,725,000 $449,783 $7,720 4.50%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 244 $51,200,000 $209,836 $5,260 4.81%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 216 $50,320,000 $232,963 $1,599 4.69%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 216 $49,340,000 $228,426 $4,277 4.86%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 153 $44,925,000 $293,627 $7,272 4.59%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 124 $43,880,000 $353,871 $8,155 4.69%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 219 $43,435,000 $198,333 $2,550 4.69%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 225 $42,405,000 $188,467 $3,527 4.71%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 126 $41,630,000 $330,397 $5,247 4.65%
TUCSON, AZ (FHA|USDA|VA) 171 $40,405,000 $236,287 $4,795 4.60%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 140 $38,310,000 $273,643 $5,257 4.70%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 71 $37,745,000 $531,620 $5,851 4.45%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 185 $37,595,000 $203,216 $4,267 4.82%
PROVO-OREM, UT (FHA|USDA|VA) 132 $37,050,000 $280,682 $3,991 4.67%
GREELEY, CO (FHA|USDA|VA) 118 $36,640,000 $310,508 $9,281 4.64%
RALEIGH-CARY, NC (FHA|USDA|VA) 131 $33,485,000 $255,611 $4,506 4.70%
HUNTSVILLE, AL (FHA|USDA|VA) 138 $32,820,000 $237,826 $4,430 4.58%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 138 $32,020,000 $232,029 $5,353 4.66%
ALBUQUERQUE, NM (FHA|USDA|VA) 157 $32,015,000 $203,917 $5,052 5.00%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 120 $25,980,000 $216,500 $3,514 4.78%
PANAMA CITY, FL (FHA|USDA|VA) 107 $24,555,000 $229,486 $5,786 4.72%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 123 $23,975,000 $194,919 $3,654 4.67%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 34 $23,390,000 $687,941 $7,846 4.26%
SPARTANBURG, SC (FHA|USDA|VA) 111 $21,985,000 $198,063 $3,610 4.82%
SALT LAKE CITY, UT (FHA|USDA|VA) 78 $21,170,000 $271,410 $4,361 4.87%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 82 $21,170,000 $258,171 $6,324 4.71%
BATON ROUGE, LA (FHA|USDA|VA) 89 $19,765,000 $222,079 $4,855 4.91%
WACO, TX (FHA|USDA|VA) 92 $19,380,000 $210,652 $4,631 4.65%
PORT ST. LUCIE, FL (FHA|USDA|VA) 90 $18,820,000 $209,111 $4,852 4.98%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 88 $18,710,000 $212,614 $4,563 4.55%
Kapaa, HI (FHA|USDA|VA) 37 $18,615,000 $503,108 $10,844 4.42%
RENO, NV (FHA|USDA|VA) 71 $18,275,000 $257,394 $3,918 4.72%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 56 $17,010,000 $303,750 $4,478 4.70%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 80 $16,490,000 $206,125 $4,948 4.88%
COLUMBIA, SC (FHA|USDA|VA) 71 $16,415,000 $231,197 $3,879 4.54%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 79 $14,425,000 $182,595 $4,224 4.75%
FORT COLLINS, CO (FHA|USDA|VA) 38 $14,310,000 $376,579 $9,554 4.41%
VISALIA, CA (FHA|USDA|VA) 58 $14,150,000 $243,966 $6,210 4.68%
ODESSA, TX (FHA|USDA|VA) 58 $13,810,000 $238,103 $7,508 4.82%
STOCKTON, CA (FHA|USDA|VA) 38 $13,640,000 $358,947 $4,937 4.65%
GAINESVILLE, GA (FHA|USDA|VA) 60 $12,710,000 $211,833 $4,419 4.78%
OCALA, FL (FHA|USDA|VA) 59 $12,235,000 $207,373 $4,018 4.78%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 30 $11,360,000 $378,667 $6,806 4.85%
FRESNO, CA (FHA|USDA|VA) 50 $11,310,000 $226,200 $6,371 4.58%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 20 $11,300,000 $565,000 $7,689 4.56%
LAKE CHARLES, LA (FHA|USDA|VA) 58 $11,230,000 $193,621 $4,779 4.93%
MODESTO, CA (FHA|USDA|VA) 35 $10,895,000 $311,286 $4,387 4.71%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 45 $9,455,000 $210,111 $4,507 4.90%
MOBILE, AL (FHA|USDA|VA) 47 $9,265,000 $197,128 $3,385 4.80%
LAFAYETTE, LA (FHA|USDA|VA) 50 $9,120,000 $182,400 $4,750 4.98%
MIDLAND, TX (FHA|USDA|VA) 36 $8,880,000 $246,667 $7,105 4.97%
WINSTON-SALEM, NC (FHA|USDA|VA) 43 $7,505,000 $174,535 $3,907 4.92%
SALEM, OR (FHA|USDA|VA) 29 $7,295,000 $251,552 $5,366 4.68%
HAMMOND, LA (FHA|USDA|VA) 42 $7,280,000 $173,333 $5,019 4.90%
MADERA, CA (FHA|USDA|VA) 28 $6,990,000 $249,643 $5,956 4.42%
OKLAHOMA CITY, OK (FHA|USDA|VA) 30 $6,540,000 $218,000 $3,370 4.50%
TUSCALOOSA, AL (FHA|USDA|VA) 33 $6,455,000 $195,606 $4,923 4.62%
BURLINGTON, NC (FHA|USDA|VA) 28 $6,100,000 $217,857 $3,997 4.49%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 37 $5,855,000 $158,243 $4,441 4.96%
WILMINGTON, NC (FHA|USDA|VA) 27 $5,465,000 $202,407 $4,651 4.63%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 22 $5,230,000 $237,727 $4,381 4.51%
SHERMAN-DENISON, TX (FHA|USDA|VA) 20 $4,690,000 $234,500 $6,183 4.72%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 19 $4,585,000 $241,316 $3,887 4.55%
St. Marys, GA (FHA|USDA|VA) 24 $4,430,000 $184,583 $4,315 4.86%
MERCED, CA (FHA|USDA|VA) 15 $4,365,000 $291,000 $4,966 4.69%
SALISBURY, MD-DE (FHA|USDA|VA) 20 $4,330,000 $216,500 $4,675 4.76%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 6 $3,820,000 $636,667 $6,178 4.38%
JACKSONVILLE, NC (FHA|USDA|VA) 20 $3,620,000 $181,000 $6,245 4.55%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 13 $3,445,000 $265,000 $6,691 4.50%
BAKERSFIELD, CA (FHA|USDA|VA) 13 $3,315,000 $255,000 $5,643 4.78%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 8 $3,200,000 $400,000 $10,587 4.55%
MONTGOMERY, AL (FHA|USDA|VA) 12 $3,130,000 $260,833 $5,338 4.42%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 8 $2,970,000 $371,250 $5,239 4.28%
Outside of Metro Areas 12 $2,850,000 $237,500 $4,477 4.84%
Hilo, HI (FHA|USDA|VA) 5 $2,775,000 $555,000 $6,194 4.58%
PUNTA GORDA, FL (FHA|USDA|VA) 13 $2,225,000 $171,154 $4,456 5.05%
FAYETTEVILLE, NC (FHA|USDA|VA) 9 $1,615,000 $179,444 $4,721 4.57%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $1,595,000 $319,000 $5,143 4.65%
THE VILLAGES, FL (FHA|USDA|VA) 6 $1,150,000 $191,667 $3,619 5.02%
Georgetown, SC (FHA|USDA|VA) 6 $1,150,000 $191,667 $3,755 4.88%
Ellensburg, WA (FHA|USDA|VA) 3 $1,135,000 $378,333 $3,319 4.88%
Wilson, NC (FHA|USDA|VA) 7 $1,095,000 $156,429 $5,551 5.02%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $830,000 $207,500 $7,018 4.81%
ROCKY MOUNT, NC (FHA|USDA|VA) 4 $830,000 $207,500 $6,136 4.66%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 3 $635,000 $211,667 $3,656 5.62%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $560,000 $280,000 $10,493 5.19%
BOULDER, CO (FHA|USDA|VA) 2 $510,000 $255,000 $5,866 3.88%
DOVER, DE (FHA|USDA|VA) 2 $500,000 $250,000 $7,849 4.31%
RICHMOND, VA (FHA|USDA|VA) 1 $415,000 $415,000 $9,389 6.13%
Sevierville, TN (FHA|USDA|VA) 1 $365,000 $365,000 $4,323 4.75%
DECATUR, AL (FHA|USDA|VA) 2 $330,000 $165,000 $5,885 5.50%
SAN ANGELO, TX (FHA|USDA|VA) 1 $325,000 $325,000 $7,994 4.50%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $305,000 $305,000 $1,611 4.38%
Bonham, TX (FHA|USDA|VA) 1 $275,000 $275,000 $9,497 4.00%
LONGVIEW, TX (FHA|USDA|VA) 1 $265,000 $265,000 $4,339 4.50%
Lamesa, TX (FHA|USDA|VA) 1 $225,000 $225,000 $7,819 4.00%
HATTIESBURG, MS (FHA|USDA|VA) 1 $205,000 $205,000 $5,126 4.25%
Opelousas, LA (FHA|USDA|VA) 1 $205,000 $205,000 $6,735 5.38%
Gainesville, TX (FHA|USDA|VA) 1 $185,000 $185,000 $6,870 5.50%
SUMTER, SC (FHA|USDA|VA) 1 $175,000 $175,000 $5,598 5.38%
Jefferson, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,290 4.63%
ABILENE, TX (FHA|USDA|VA) 1 $165,000 $165,000 $7,511 4.25%
VICTORIA, TX (FHA|USDA|VA) 1 $135,000 $135,000 $5,850 6.13%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,039 4.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $115,000 $115,000 $1,761 4.75%
SANTA FE, NM (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.50%
LOGAN, UT-ID (FHA|USDA|VA) 1 $95,000 $95,000 $0 4.38%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.75%
Dhi Mortgage Company Ltd.'s top markets include Dallas, Austin, Atlanta, San Antonio, and Houston among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 9,891 $2,466,035,000 $249,321 $3,737 4.70%
    FHA 4,595 $1,106,925,000 $240,898 $7,732 4.83%
    VA 3,227 $865,385,000 $268,170 $6,791 4.52%
    USDA 309 $66,895,000 $216,489 $5,789 4.68%

    For 2018, Dhi Mortgage Company Ltd.'s most frequently originated type of loan was Conventional, with 9,891 originations. Their 2nd most popular type was FHA, with 4,595 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 17,989 $4,497,075,000 $249,990 $5,417 4.70%
    Cash Out Refi 20 $5,270,000 $263,500 $4,014 4.73%
    Refi 13 $2,895,000 $222,692 $3,612 4.42%

    For 2018, Dhi Mortgage Company Ltd.'s most frequently cited loan purpose was Home Purchase, with 17,989 originations. The 2nd most popular reason was Cash Out Refi, with 20 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 17,301 $4,380,225,000 $253,178 $5,489 4.72%
    15 Year 448 $83,450,000 $186,272 $3,586 4.18%
    20 Year 172 $36,710,000 $213,430 $3,259 4.36%
    10 Year 46 $3,670,000 $79,783 $1,503 4.30%
    3 Year 36 $270,000 $7,500 $0 0.00%
    5 Year 16 $220,000 $13,750 $0 0.00%
    Other 3 $695,000 $231,667 $5,640 4.29%

    For 2018, Dhi Mortgage Company Ltd.'s most frequently cited loan duration was 30 Year, with 17,301 originations. The 2nd most popular length was 15 Year, with 448 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 12,440 $3,029,980,000 $243,568
    $1k-2k 1,859 $455,425,000 $244,984
    $2k-3k 1,164 $305,950,000 $262,844
    $5k+ 662 $263,000,000 $397,281
    $3k-4k 651 $193,215,000 $296,797
    $4k-5k 414 $130,390,000 $314,952

    Dhi Mortgage Company Ltd.'s average total fees were $5,489, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 12,440 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 13,147 $3,338,265,000 $253,918
    5-6% 2,927 $677,135,000 $231,341
    3-4% 1,621 $461,585,000 $284,753
    6-7% 119 $25,315,000 $212,731
    7-8% 7 $105,000 $15,000
    2.5-3% 5 $1,415,000 $283,000

    During 2018, Dhi Mortgage Company Ltd.'s average interest rate for loans was 4.72%, while their most frequently originated rate bucket for loans was 4-5%, with 13,147 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 11,466 $3,011,870,000 $262,678 $5,714 4.70%
    $100k-200k 4,724 $804,980,000 $170,402 $4,033 4.76%
    $400k-600k 1,055 $485,575,000 $460,261 $7,928 4.52%
    $100,000 or less 527 $23,765,000 $45,095 $1,985 4.74%
    $600k-1MM 241 $168,825,000 $700,519 $9,459 4.32%
    $1MM+ 9 $10,225,000 $1,136,111 $13,135 4.04%

    2018 saw Dhi Mortgage Company Ltd. place emphasis on $200k-400k loans with 11,466 originations, totaling $3,011,870,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 5,548 $1,186,970,000 $213,946 $5,295 4.73%
    $75k-100k 4,512 $1,131,800,000 $250,842 $5,681 4.72%
    $100k-150k 4,145 $1,204,215,000 $290,522 $5,699 4.67%
    $50k or less 1,770 $297,740,000 $168,215 $4,225 4.66%
    $150k-250k 1,512 $509,450,000 $336,938 $5,708 4.69%
    $250k+ 351 $127,285,000 $362,635 $5,646 4.62%

    Dhi Mortgage Company Ltd. lent most frequently to those with incomes in the $50k-75k range, with 5,548 originations. The second most popular income band? $75k-100k, with 4,512 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 2,643 $663,925,000 $251,201 $7,462 4.72%
    30-36% 2,622 $672,500,000 $256,484 $4,880 4.66%
    20-30% 2,066 $502,390,000 $243,170 $4,280 4.60%
    49% 1,090 $275,960,000 $253,174 $5,049 4.72%
    44% 844 $203,690,000 $241,339 $5,365 4.78%
    48% 819 $206,915,000 $252,643 $5,526 4.75%
    47% 779 $199,115,000 $255,603 $5,268 4.74%
    45% 774 $190,480,000 $246,098 $5,409 4.72%
    42% 720 $187,950,000 $261,042 $5,518 4.75%
    43% 713 $172,905,000 $242,504 $5,173 4.74%
    46% 705 $171,335,000 $243,028 $5,488 4.74%
    40% 704 $176,750,000 $251,065 $5,251 4.71%
    41% 682 $168,860,000 $247,595 $5,251 4.74%
    38% 622 $157,970,000 $253,971 $5,379 4.69%
    39% 612 $157,630,000 $257,565 $5,004 4.70%
    37% 548 $138,540,000 $252,810 $5,158 4.75%
    36% 526 $132,030,000 $251,008 $5,025 4.68%
    <20% 432 $91,070,000 $210,810 $3,582 4.57%
    >60% 121 $35,225,000 $291,116 $7,171 4.59%

    Dhi Mortgage Company Ltd. lent most frequently to those with DTI ratios of 50-60%, with 2,643 originations. The next most common DTI ratio? 30-36%, with 2,622 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 10,825 $2,602,365,000 $240,403 $5,252 4.70%
    Black 2,563 $608,805,000 $237,536 $5,781 4.78%
    Asian 1,821 $580,145,000 $318,586 $5,520 4.55%
    Not provided 2,263 $559,745,000 $247,346 $5,632 4.71%
    American Indian 230 $58,210,000 $253,087 $5,850 4.66%
    Asian Indian 126 $39,020,000 $309,683 $4,771 4.63%
    Native Hawaiian or Islander 58 $19,380,000 $334,138 $6,790 4.56%
    Other Asian 61 $15,905,000 $260,738 $5,827 4.73%
    Filipino 28 $7,610,000 $271,786 $6,661 4.76%
    Chinese 18 $6,540,000 $363,333 $4,265 4.72%
    Other Pacific Islander 12 $2,980,000 $248,333 $7,119 4.69%
    Korean 7 $2,205,000 $315,000 $4,550 4.57%
    Vietnamese 8 $1,830,000 $228,750 $4,785 5.28%
    Japanese 2 $500,000 $250,000 $7,842 4.75%

    Approval Rates

    Total approvals of all applications
    89.01%

    Dhi Mortgage Company Ltd. has an average approval rate.

    Pick Rate

    Approvals leading to origination
    67.73%

    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
    0.0 195 $1,415,000 $7,256
    60.0 1 $5,000 $5,000
    NA 17,826 $4,503,820,000 $252,655

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 18,022 $4,505,240,000 $249,986

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 338 $35,460,000 $104,911 $2,644 4.48%
    40-60% 723 $132,785,000 $183,658 $3,440 4.53%
    60-80% 3,066 $792,620,000 $258,519 $4,093 4.67%
    80-100% 12,547 $3,237,575,000 $258,036 $5,487 4.73%
    Over 100% 1,086 $303,360,000 $279,337 $10,049 4.57%
    Under 20% 262 $3,440,000 $13,130 $1,156 5.19%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    DHI Mortgage Company Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 10.0%
    DHI Mortgage Company Conventional home mortgage Closing on a mortgage 2 20.0%
    DHI Mortgage Company Conventional home mortgage Trouble during payment process 1 10.0%
    DHI Mortgage Company FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 10.0%
    DHI Mortgage Company FHA mortgage Closing on a mortgage 2 20.0%
    DHI Mortgage Company Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 10.0%
    DHI Mortgage Company VA mortgage Closing on a mortgage 2 20.0%