# DYBN FINANCIAL CORP.

> **Canonical URL:** https://saferate.com/lenders/dybn-financial


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


DYBN FINANCIAL CORP. is a independent mortgage company, headquartered in Indian Harbour Beach, FL, with 237 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 71% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300GT860C7IVCPZ04
- **Headquarters:** Indian Harbour Beach, FL
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** FL
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.133%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,896
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 237
- **Dollar Volume:** $88 million
- **Applications Received:** 346
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $371,203
- **Average Borrower Income:** $153,954
- **Average Property Value:** $465,970

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 154 | +0.321% | $2,989 | Sound ☺️ |
| VA | 73/100 | 83 | -0.213% | $2,724 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 147 loans, Score: 54/100 (Sound)

**VA:**
- Purchase: 81 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 228 | $85M | +0.127% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 237 | 0.08% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Palm Bay | FL | 221 | 92/100 |

## Where This Lender Ranks

DYBN FINANCIAL CORP. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in Palm Bay Mortgage Companies
  - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does DYBN FINANCIAL CORP. offer?

DYBN FINANCIAL CORP. offers the following mortgage loan types: Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does DYBN FINANCIAL CORP. offer mortgages?

DYBN FINANCIAL CORP. offers mortgages in 1 states: FL.

### How competitive are DYBN FINANCIAL CORP.'s mortgage rates?

DYBN FINANCIAL CORP. has a pricing score of 29/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.133% above market average.

### What type of lender is DYBN FINANCIAL CORP.?

DYBN FINANCIAL CORP. is a non-depository lender that specializes in mortgage origination, headquartered in Indian Harbour Beach, FL.

### What is DYBN FINANCIAL CORP.'s loan approval success rate?

DYBN FINANCIAL CORP. has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/dybn-financial

### How to Cite

> "DYBN FINANCIAL CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/dybn-financial

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