Dexsta Mortgage Rates, Fees & Info
Wilmington, DELEI: 549300DQ137S1HEMVL85
Tax ID: 51-0069788
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Mortgage Data
Review & Overview
Dexsta is a smaller mortgage company specializing in Home Improvement and Other loans. Dexsta has a high proportion of conventional loans. Dexsta has a low ratio of conventional loans. Their top markets by origination volume include: Philadelphia, Dover, Salisbury, and Ocean City among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)Dexsta has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. They typically have relatively high 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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/5/25 |
| 15 Year Conventional Purchase | 7.35% | 4/5/25 |
| 15 Year Conventional Refi | 6.00% | 4/5/25 |
| 15 Year Cash-out Refi | 6.00% | 4/5/25 |
| 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. | ||
Dexsta Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
179Origination Dollar Volume (All Markets)
$15,305,000Relative Rate
Dexsta's average 30 year fixed mortgage rate was
8.5%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 1.95%.
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 |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 165 | $14,005,000 | $84,879 | $907 | 7.51% |
| DOVER, DE (FHA|USDA|VA) | 12 | $970,000 | $80,833 | $904 | 8.14% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 7.49% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.50% |
Product Mix
For 2024, Dexsta's most frequently originated type of loan was Conventional, with 120 originations. Their 2nd most popular type was HELOC, with 55 originations.
Loan Reason
For 2024, Dexsta's most frequently cited loan purpose was Home Improvement, with 92 originations. The 2nd most popular reason was Other, with 54 originations.
Loan Duration/Length
For 2024, Dexsta's most frequently cited loan duration was Other, with 65 originations. The 2nd most popular length was 10 Year, with 55 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 111 | $9,705,000 | $87,432 |
| $1k-2k | 3 | $265,000 | $88,333 |
Dexsta's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 111 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 57 | $5,095,000 | $89,386 |
| 7-8% | 45 | $4,135,000 | $91,889 |
| 6-7% | 38 | $3,200,000 | $84,211 |
| 5-6% | 27 | $1,805,000 | $66,852 |
During 2024, Dexsta's average interest rate for loans was 8.50%, while their most frequently originated rate bucket for loans was Over 8%, with 57 originations.
Loan Sizing
2024 saw Dexsta place emphasis on $100,000 or less loans with 124 originations, totaling $7,290,000 in origination value.
Applicant Income
Dexsta lent most frequently to those with incomes in the $150k-250k range, with 53 originations. The second most popular income band? $100k-150k, with 44 originations.
Applicant Debt to Income Ratio
Dexsta lent most frequently to those with DTI ratios of 30-36%, with 47 originations. The next most common DTI ratio? 20-30%, with 27 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.23%
Dexsta has an average approval rate.
Pick Rate
Approvals leading to origination91.06%
Dexsta has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 2 | $180,000 | $90,000 |
| NA | 177 | $15,125,000 | $85,452 |