D
Dhi Mortgage Company's 66.4k closed loans and 90k applications, benchmarked against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Exceptional
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Exceptional
Near-National · 49 mkts
Safe Rate Awards💎Conventional Champion💎FHA Champion💎VA Champion💎USDA Champion💎Purchase Champion
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Safe Rate's Summary
What They Do Well
- Offers rates 84.20 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- High volume lender with significant market experience
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
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Report Card
Dhi Mortgage Company, Ltd. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader Rates 84.2 bps below market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 10% of lenders | |
FHA | Market Leader Top 5% of lenders | |
VA | Market Leader Top 5% of lenders | |
Jumbo | Industry Standard Top 60% of lenders | |
USDA | Market Leader Top 5% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 5% of lenders | |
Refinance | Near industry average Bottom 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Market Leader Top 20% of lenders Near-National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 23,943 | 36.1% | -0.695%Below | $471Fees | ||||
FHA Loans | 29,978 | 45.2% | -0.804%Below | $375Fees | ||||
VA Loans | 11,647 | 17.5% | -1.418%Below | $335Fees | ||||
Jumbo Loans | — | 16 | 0.0% | +0.281%Above | $435Fees | |||
USDA Loans | 801 | 1.2% | -1.066%Below | $199Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 66,374 | 100.0% | -0.843%Below | $406Fees | ||||
Refinance | — | 11 | 0.0% | +0.050%Above | $2,395Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
66,385
Applications
89,936
Volume
$22 billion
Pricing & Closing
Avg Rate Spread
-0.842%
vs. market APOR
Avg Net Fees
$407
Origination − Credits
Pullthrough Rate
73.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$344,129
Avg Borrower Income
$114,082
Avg Property Value
$385,362
Geographic Coverage
Geographic Performance
Metro Areas
49
States Served
36
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACODEFLGAHIIAILINKSKYLAMDMNMOMSNCNENJNMNVOHOKORPASCTNTXUTVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Myrtle Beach, SCMSA
Volume: 1,058Mix: 1.59%of portfolio
Place
Exceptional2
Daphne, ALMSA
Volume: 863Mix: 1.30%of portfolio
Place
Exceptional3
Pensacola, FLMSA
Volume: 813Mix: 1.22%of portfolio
Place
Exceptional4
Wilmington, NC, NCMSA
Volume: 692Mix: 1.04%of portfolio
Place
Exceptional5
Panama City, FLMSA
Volume: 563Mix: 0.85%of portfolio
Place
Exceptional6
Crestview, FLMSA
Volume: 483Mix: 0.73%of portfolio
Place
Exceptional7
Odessa, TX, TXMSA
Volume: 394Mix: 0.59%of portfolio
Place
Exceptional8
Spartanburg, SC, SCMSA
Volume: 492Mix: 0.74%of portfolio
Place
Exceptional9
Dallas, TXMSA
Volume: 4,773Mix: 7.19%of portfolio
Place
Exceptional10
Killeen, TXMSA
Volume: 897Mix: 1.35%of portfolio
Place
ExceptionalShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 17,443Mix: 26.28%of portfolio
Place
Exceptional2
SCState
Volume: 3,523Mix: 5.31%of portfolio
Place
Exceptional3
ALState
Volume: 2,426Mix: 3.65%of portfolio
Place
Exceptional4
NVState
Volume: 1,891Mix: 2.85%of portfolio
Place
Exceptional5
FLState
Volume: 12,909Mix: 19.45%of portfolio
Place
Exceptional6
NCState
Volume: 4,434Mix: 6.68%of portfolio
Place
Exceptional7
GAState
Volume: 2,822Mix: 4.25%of portfolio
Place
Exceptional8
AZState
Volume: 2,481Mix: 3.74%of portfolio
Place
Exceptional9
TNState
Volume: 1,876Mix: 2.83%of portfolio
Place
Exceptional10
WAState
Volume: 1,508Mix: 2.27%of portfolio
Place
ExceptionalShowing 10 of 33 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.