Dybn Financial Corp. Mortgage Rates, Fees & InfoIndian Hbr Bch, FL
Tax ID: 11-3647435
Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Review & OverviewDybn Financial Corp. is a smaller mortgage company specializing in Home Purchase loans. Dybn Financial Corp. has a high proportion of conventional loans. Their top markets by origination volume include: Palm Bay, Orlando, Sebastian, Tampa, and Deltona among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)
Dybn Financial Corp. 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. Dybn Financial Corp. 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.
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|Simulated Rate||Simulation Date|
|30 Year Conventional Purchase||6.73%||12/4/23|
|30 Year Conventional Refi||6.75%||12/4/23|
|30 Year Cash-out Refi||6.69%||12/4/23|
|30 Year VA Purchase||6.31%||12/4/23|
|30 Year VA Refi||6.50%||12/4/23|
|15 Year Conventional Purchase||6.10%||12/4/23|
|15 Year Conventional Refi||6.51%||12/4/23|
|15 Year Cash-out Refi||6.51%||12/4/23|
|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.|
Dybn Financial Corp. Mortgage Calculator
Your EstimatesEstimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Dybn Financial Corp.. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Origination Dollar Volume (All Markets)$147,320,000
Dybn Financial Corp.'s average 30 year fixed mortgage rate was
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of 0.24%.
Relative Fees (Closing Costs)
Dybn Financial Corp.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $7,894.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.
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|
|PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA)||401||$139,715,000||$348,416||$7,869||4.98%|
|ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA)||6||$1,810,000||$301,667||$8,733||5.46%|
|Sebastian-Vero Beach, FL (FHA|USDA|VA)||6||$1,610,000||$268,333||$7,668||5.10%|
|TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA)||4||$1,560,000||$390,000||$8,502||5.88%|
|DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA)||2||$630,000||$315,000||$5,544||5.12%|
|Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA)||2||$420,000||$210,000||$5,814||5.12%|
|JACKSONVILLE, FL (FHA|USDA|VA)||1||$365,000||$365,000||$4,178||4.88%|
|CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA)||1||$345,000||$345,000||$16,620||3.75%|
|North Port-Sarasota-Bradenton, FL (FHA|USDA|VA)||1||$215,000||$215,000||$7,817||4.00%|
|PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA)||1||$215,000||$215,000||$8,463||4.38%|
|HOMOSASSA SPRINGS, FL (FHA|USDA|VA)||1||$165,000||$165,000||$5,468||5.00%|
|Lake City, FL (FHA|USDA|VA)||1||$135,000||$135,000||$4,349||4.88%|
|SEBRING-AVON PARK, FL (FHA|USDA|VA)||1||$135,000||$135,000||$3,392||6.63%|
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|Loan Type||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
For 2022, Dybn Financial Corp.'s most frequently originated type of loan was Conventional, with 278 originations. Their 2nd most popular type was VA, with 150 originations.
|Loan Reason||Originations||Total Value||Avg. Loan||Avg. Fees||Avg. Rate|
|Cash Out Refi||2||$580,000||$290,000||$3,770||3.50%|
For 2022, Dybn Financial Corp.'s most frequently cited loan purpose was Home Purchase, with 383 originations. The 2nd most popular reason was Refi, with 43 originations.
|Loan Length||Originations||Total Value||Average Loan||Average Fees||Average Rate|
For 2022, Dybn Financial Corp.'s most frequently cited loan duration was 30 Year, with 418 originations. The 2nd most popular length was 15 Year, with 10 originations.
Origination Fees/Closing Costs
|Origination Fee/Closing Cost||Originations||Total Value||Average Loan|
Dybn Financial Corp.'s average total fees were $7,894, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 205 originations.
|Loan Rate||Originations||Total Value||Average Loan|
During 2022, Dybn Financial Corp.'s average interest rate for loans was 5.00%, while their most frequently originated rate bucket for loans was 5-6%, with 141 originations.
2022 saw Dybn Financial Corp. place emphasis on $200k-400k loans with 238 originations, totaling $71,530,000 in origination value.
Dybn Financial Corp. lent most frequently to those with incomes in the $100k-150k range, with 107 originations. The second most popular income band? $150k-250k, with 100 originations.
Applicant Debt to Income Ratio
Dybn Financial Corp. lent most frequently to those with DTI ratios of 30-36%, with 96 originations. The next most common DTI ratio? 20-30%, with 76 originations.
Approval RatesTotal approvals of all applications
Dybn Financial Corp. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick RateApprovals leading to origination
Dybn Financial Corp. 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|