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DHI MORTGAGE COMPANY, LTD.
Independent Mortgage Company|DALLAS, TX|Near-National
Loans Originated
66,385
Applications
89,936
Volume
$22 billion
Offers loans directly to consumersHomebuilder Lender
Overall Pricing
Exceptional
Overall Pull Through
Exceptional
Safe Rate Awards💎Conventional Champion💎FHA Champion💎VA Champion💎USDA Champion💎Purchase Champion
Pricing and Pullthrough Overview
Average Rate Spread
-0.842%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$407
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.8%
Percentage of applications that result in closed loans
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
Report Card
DHI MORTGAGE COMPANY, LTD. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Sound | Industry Standard | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Exceptional | Near-National · 50 metro areas · 36 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$344,129
Average Borrower Income
$114,082
Average Property Value
$385,362
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Exceptional | Exceptional | Exceptional | Strong | 23,943 | 36.1% | -0.695% | $471 |
FHA Loans | Exceptional | Exceptional | Exceptional | Strong | 29,978 | 45.2% | -0.804% | $375 |
VA Loans | Exceptional | Exceptional | Exceptional | Exceptional | 11,647 | 17.5% | -1.418% | $335 |
Jumbo Loans | Acceptable | Sound | N/A | Mediocre | 16 | 0.0% | +0.281% | $435 |
USDA Loans | Exceptional | Exceptional | Exceptional | Strong | 801 | 1.2% | -1.066% | $199 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Exceptional | Exceptional | Exceptional | Strong | 66,374 | 100.0% | -0.843% | $406 |
Refinance | Mediocre | Acceptable | N/A | Mediocre | 11 | 0.0% | +0.050% | $2,395 |
Geographic Coverage
Metro Areas
49
States Served
36
We count Washington DC as a state
Avg Place Specialization
Exceptional
States with Loan Originations
ALARAZCACODEFLGAHIIAILINKSKYLAMDMNMOMSNCNENJNMNVOHOKORPASCTNTXUTVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Myrtle Beach, SCMSA
Volume: 1,058Mix: 1.59%
Place Specialization
Exceptional
2
Daphne, ALMSA
Volume: 863Mix: 1.30%
Place Specialization
Exceptional
3
Pensacola, FLMSA
Volume: 813Mix: 1.22%
Place Specialization
Exceptional
4
Wilmington, NC, NCMSA
Volume: 692Mix: 1.04%
Place Specialization
Exceptional
5
Panama City, FLMSA
Volume: 563Mix: 0.85%
Place Specialization
Exceptional
6
Crestview, FLMSA
Volume: 483Mix: 0.73%
Place Specialization
Exceptional
7
Odessa, TX, TXMSA
Volume: 394Mix: 0.59%
Place Specialization
Exceptional
8
Spartanburg, SC, SCMSA
Volume: 492Mix: 0.74%
Place Specialization
Exceptional
9
Dallas, TXMSA
Volume: 4,773Mix: 7.19%
Place Specialization
Exceptional
10
Killeen, TXMSA
Volume: 897Mix: 1.35%
Place Specialization
Exceptional
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 17,443Mix: 26.28%
Place Specialization
Exceptional
2
SCState
Volume: 3,523Mix: 5.31%
Place Specialization
Exceptional
3
ALState
Volume: 2,426Mix: 3.65%
Place Specialization
Exceptional
4
NVState
Volume: 1,891Mix: 2.85%
Place Specialization
Exceptional
5
FLState
Volume: 12,909Mix: 19.45%
Place Specialization
Exceptional
6
NCState
Volume: 4,434Mix: 6.68%
Place Specialization
Exceptional
7
GAState
Volume: 2,822Mix: 4.25%
Place Specialization
Exceptional
8
AZState
Volume: 2,481Mix: 3.74%
Place Specialization
Exceptional
9
TNState
Volume: 1,876Mix: 2.83%
Place Specialization
Exceptional
10
WAState
Volume: 1,508Mix: 2.27%
Place Specialization
Exceptional
Showing 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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