Dha Financial Mortgage Rates, Fees & Info
Greenwood Village, COLEI: 54930068THUS1PO1LX49
Tax ID: 84-1599785
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Mortgage Data
Review & Overview
Dha Financial is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Dha Financial has a high proportion of conventional loans. Their top markets by origination volume include: Denver, San Francisco, Colorado Springs, Edwards, and Greeley among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)Dha Financial 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. Dha Financial 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.02% | 11/21/24 |
| 30 Year Conventional Refi | 6.70% | 11/21/24 |
| 30 Year Cash-out Refi | 6.69% | 11/21/24 |
| 30 Year FHA Purchase | 6.27% | 11/21/24 |
| 30 Year VA Purchase | 6.48% | 11/21/24 |
| 30 Year VA Refi | 5.14% | 11/21/24 |
| 15 Year Conventional Refi | 7.17% | 11/21/24 |
| 15 Year Cash-out Refi | 7.17% | 11/21/24 |
| 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. | ||
Dha Financial Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
38Origination Dollar Volume (All Markets)
$18,550,000Top 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 |
|---|---|---|---|---|---|
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 29 | $14,155,000 | $488,103 | $5,068 | 4.67% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $9,057 | 4.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $7,941 | 6.38% |
| Edwards, CO (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $4,350 | 3.38% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $1,938 | 5.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $6,862 | 4.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,070 | 6.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,502 | 2.50% |
| PUEBLO, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,959 | 5.63% |
Similar Lenders
We use machine learning to identify the top lenders compared against DHA FINANCIAL 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
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 35 | $16,885,000 | $482,429 | $4,942 | 4.78% |
| VA | 3 | $1,665,000 | $555,000 | $9,537 | 4.29% |
For 2022, Dha Financial's most frequently originated type of loan was Conventional, with 35 originations. Their 2nd most popular type was VA, with 3 originations.
Loan Reason
For 2022, Dha Financial's most frequently cited loan purpose was Home Purchase, with 23 originations. The 2nd most popular reason was Refi, with 7 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 37 | $18,375,000 | $496,622 | $5,397 | 4.77% |
| 15 Year | 1 | $175,000 | $175,000 | $1,897 | 3.88% |
For 2022, Dha Financial's most frequently cited loan duration was 30 Year, with 37 originations. The 2nd most popular length was 15 Year, with 1 originations.
Origination Fees/Closing Costs
Dha Financial's average total fees were $5,397, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 19 originations.
Interest Rates
During 2022, Dha Financial's average interest rate for loans was 4.77%, while their most frequently originated rate bucket for loans was 3-4%, with 12 originations.
Loan Sizing
2022 saw Dha Financial place emphasis on $400k-600k loans with 15 originations, totaling $7,375,000 in origination value.
Applicant Income
Dha Financial lent most frequently to those with incomes in the $100k-150k range, with 10 originations. The second most popular income band? $150k-250k, with 10 originations.
Applicant Debt to Income Ratio
Dha Financial lent most frequently to those with DTI ratios of 20-30%, with 6 originations. The next most common DTI ratio? 43%, with 4 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.41%
Dha Financial has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination39.47%
Dha Financial 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 | 38 | $18,550,000 | $488,158 |