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 and Refi loans. Dybn Financial Corp. has a high proportion of conventional loans. Their top markets by origination volume include: Palm Bay, Orlando, Sebastian, North Port, and Jacksonville among others. We have data for 15 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.
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% | 11/21/24 |
| 30 Year Conventional Refi | 6.75% | 11/21/24 |
| 30 Year Cash-out Refi | 6.69% | 11/21/24 |
| 30 Year VA Purchase | 6.31% | 11/21/24 |
| 30 Year VA Refi | 6.50% | 11/21/24 |
| 15 Year Conventional Purchase | 6.10% | 11/21/24 |
| 15 Year Conventional Refi | 6.51% | 11/21/24 |
| 15 Year Cash-out Refi | 6.51% | 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. | ||
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
592Origination Dollar Volume (All Markets)
$179,170,000Top 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 |
|---|---|---|---|---|---|
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 552 | $168,150,000 | $304,620 | $5,398 | 3.15% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 13 | $3,395,000 | $261,154 | $3,591 | 3.28% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 5 | $1,425,000 | $285,000 | $9,007 | 3.30% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $4,738 | 3.12% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $3,817 | 3.13% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $4,101 | 3.44% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $6,321 | 3.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $8,578 | 3.13% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,550 | 4.13% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $13,168 | 2.99% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,743 | 3.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,217 | 3.00% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $4,284 | 2.75% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,033 | 3.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $14,054 | 2.75% |
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 | 389 | $110,515,000 | $284,100 | $4,347 | 3.24% |
| VA | 203 | $68,655,000 | $338,202 | $7,416 | 3.01% |
For 2020, Dybn Financial Corp.'s most frequently originated type of loan was Conventional, with 389 originations. Their 2nd most popular type was VA, with 203 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 379 | $116,605,000 | $307,665 | $6,477 | 3.18% |
| Refi | 213 | $62,565,000 | $293,732 | $3,477 | 3.12% |
For 2020, Dybn Financial Corp.'s most frequently cited loan purpose was Home Purchase, with 379 originations. The 2nd most popular reason was Refi, with 213 originations.
Loan Duration/Length
For 2020, Dybn Financial Corp.'s most frequently cited loan duration was 30 Year, with 557 originations. The 2nd most popular length was 15 Year, with 29 originations.
Origination Fees/Closing Costs
Dybn Financial Corp.'s average total fees were $5,489, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 416 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 292 | $82,090,000 | $281,130 |
| 2.5-3% | 259 | $84,555,000 | $326,467 |
| <2.5% | 23 | $7,865,000 | $341,957 |
| 4-5% | 16 | $4,060,000 | $253,750 |
| 5-6% | 2 | $600,000 | $300,000 |
During 2020, Dybn Financial Corp.'s average interest rate for loans was 3.18%, while their most frequently originated rate bucket for loans was 3-4%, with 292 originations.
Loan Sizing
2020 saw Dybn Financial Corp. place emphasis on $200k-400k loans with 335 originations, totaling $96,075,000 in origination value.
Applicant Income
Dybn Financial Corp. lent most frequently to those with incomes in the $100k-150k range, with 148 originations. The second most popular income band? $150k-250k, with 109 originations.
Applicant Debt to Income Ratio
Dybn Financial Corp. lent most frequently to those with DTI ratios of 20-30%, with 131 originations. The next most common DTI ratio? 30-36%, with 92 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.12%
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 origination69.76%
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 | 592 | $179,170,000 | $302,652 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 592 | $179,170,000 | $302,652 |