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, 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.
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
428Origination Dollar Volume (All Markets)
$147,320,000Top 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) | 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% |
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 | 278 | $86,740,000 | $312,014 | $5,981 | 5.09% |
| VA | 150 | $60,580,000 | $403,867 | $11,321 | 4.82% |
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
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 Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 418 | $145,210,000 | $347,392 | $7,894 | 5.00% |
| 15 Year | 10 | $2,110,000 | $211,000 | $6,116 | 4.74% |
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
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.
Interest Rates
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.
Loan Sizing
2022 saw Dybn Financial Corp. place emphasis on $200k-400k loans with 238 originations, totaling $71,530,000 in origination value.
Applicant Income
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.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.17%
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 origination48.83%
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 | 428 | $147,320,000 | $344,206 |