Dybn Financial Corp. Mortgage Rates, Fees & Info
Indian Hbr Bch, FLLEI: 549300GT860C7IVCPZ04
Tax ID: 11-3647435
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Mortgage Data
Review & Overview
Dybn 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, Miami, Key West, and Port St. Lucie among others. We have data for 11 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 a high 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 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 |
|---|---|---|
| 30 Year Conventional Purchase | 6.73% | 11/17/24 |
| 30 Year Conventional Refi | 6.75% | 11/17/24 |
| 30 Year Cash-out Refi | 6.69% | 11/17/24 |
| 30 Year VA Purchase | 6.31% | 11/17/24 |
| 30 Year VA Refi | 6.50% | 11/17/24 |
| 15 Year Conventional Purchase | 6.10% | 11/17/24 |
| 15 Year Conventional Refi | 6.51% | 11/17/24 |
| 15 Year Cash-out Refi | 6.51% | 11/17/24 |
| 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. | ||
Dybn Financial Corp. Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
299Origination Dollar Volume (All Markets)
$111,935,000Relative Rate
Dybn Financial Corp.'s average 30 year fixed mortgage rate was
6.58%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.1%.
Relative Fees (Closing Costs)
Dybn Financial Corp.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $10,353.
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 $9,089.
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 |
|---|---|---|---|---|---|
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 281 | $104,725,000 | $372,687 | $10,427 | 6.57% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $2,695,000 | $385,000 | $9,699 | 6.62% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $1,250,000 | $625,000 | $8,817 | 7.19% |
| Key West, FL (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $15,774 | 6.75% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $14,455 | 7.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $8,231 | 6.81% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $9,112 | 5.75% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,859 | 7.50% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $7,072 | 6.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,434 | 6.75% |
| OCALA, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,455 | 7.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against DYBN FINANCIAL CORP. 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 | 207 | $69,465,000 | $335,580 | $7,837 | 6.75% |
| VA | 92 | $42,470,000 | $461,630 | $15,926 | 6.21% |
For 2023, Dybn Financial Corp.'s most frequently originated type of loan was Conventional, with 207 originations. Their 2nd most popular type was VA, with 92 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 291 | $109,465,000 | $376,168 | $10,415 | 6.58% |
| Refi | 8 | $2,470,000 | $308,750 | $7,733 | 6.90% |
For 2023, Dybn Financial Corp.'s most frequently cited loan purpose was Home Purchase, with 291 originations. The 2nd most popular reason was Refi, with 8 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 298 | $111,620,000 | $374,564 | $10,353 | 6.58% |
| 15 Year | 1 | $315,000 | $315,000 | $9,698 | 7.00% |
For 2023, Dybn Financial Corp.'s most frequently cited loan duration was 30 Year, with 298 originations. The 2nd most popular length was 15 Year, with 1 originations.
Origination Fees/Closing Costs
Dybn Financial Corp.'s average total fees were $10,353, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 129 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 154 | $55,210,000 | $358,506 |
| 5-6% | 72 | $28,780,000 | $399,722 |
| 7-8% | 71 | $27,095,000 | $381,620 |
| 4-5% | 1 | $455,000 | $455,000 |
| Over 8% | 1 | $395,000 | $395,000 |
During 2023, Dybn Financial Corp.'s average interest rate for loans was 6.58%, while their most frequently originated rate bucket for loans was 6-7%, with 154 originations.
Loan Sizing
2023 saw Dybn Financial Corp. place emphasis on $200k-400k loans with 162 originations, totaling $49,530,000 in origination value.
Applicant Income
Dybn Financial Corp. lent most frequently to those with incomes in the $100k-150k range, with 87 originations. The second most popular income band? $150k-250k, with 80 originations.
Applicant Debt to Income Ratio
Dybn Financial Corp. lent most frequently to those with DTI ratios of 30-36%, with 57 originations. The next most common DTI ratio? 20-30%, with 53 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.92%
Dybn Financial Corp. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination54.52%
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 |
|---|---|---|---|
| NA | 299 | $111,935,000 | $374,365 |