Dexsta Mortgage Rates, Fees & Info

Wilmington, DE

LEI: 549300DQ137S1HEMVL85

Tax ID: 51-0069788

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Mortgage Data

Review & Overview

Dexsta is a smaller mortgage company specializing in Refi loans. Dexsta has a high proportion of conventional loans. Their top markets by origination volume include: Philadelphia, Salisbury, and Dover among others. We have data for 3 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.

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Originations

127

Origination Dollar Volume (All Markets)

$11,625,000

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) 124 $11,380,000 $91,774 $0 0.00%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
DOVER, DE (FHA|USDA|VA) 2 $70,000 $35,000 $0 0.00%
Dexsta's top markets include Philadelphia, Salisbury, and Dover among others.

Their top states include:
  • Delaware (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Maryland (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 127 $11,625,000 $91,535 $0 0.00%

    For 2020, Dexsta's most frequently originated type of loan was Conventional, with 127 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 57 $7,025,000 $123,246 $0 0.00%
    Home Improvement 41 $2,325,000 $56,707 $0 0.00%
    Home Purchase 29 $2,275,000 $78,448 $0 0.00%

    For 2020, Dexsta's most frequently cited loan purpose was Refi, with 57 originations. The 2nd most popular reason was Home Improvement, with 41 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 127 $11,625,000 $91,535 $0 0.00%

    For 2020, Dexsta's most frequently cited loan duration was Other, with 127 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 75 $3,675,000 $49,000 $0 0.00%
    $100k-200k 46 $6,480,000 $140,870 $0 0.00%
    $200k-400k 6 $1,470,000 $245,000 $0 0.00%

    2020 saw Dexsta place emphasis on $100,000 or less loans with 75 originations, totaling $3,675,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 32 $2,610,000 $81,563 $0 0.00%
    $50k-75k 27 $2,335,000 $86,481 $0 0.00%
    $150k-250k 23 $2,325,000 $101,087 $0 0.00%
    $75k-100k 21 $2,295,000 $109,286 $0 0.00%
    $50k or less 19 $1,665,000 $87,632 $0 0.00%
    $250k+ 5 $395,000 $79,000 $0 0.00%

    Dexsta lent most frequently to those with incomes in the $100k-150k range, with 32 originations. The second most popular income band? $50k-75k, with 27 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 127 $11,625,000 $91,535 $0 0.00%

    Dexsta lent most frequently to those with DTI ratios of Exempt%, with 127 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 97 $8,805,000 $90,773 $0 0.00%
    Black 21 $2,015,000 $95,952 $0 0.00%
    Asian 3 $415,000 $138,333 $0 0.00%
    Not provided 6 $390,000 $65,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    100.00%

    Dexsta has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 127 $11,625,000 $91,535

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 127 $11,625,000 $91,535