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We analyzed every closed loan from Dsld Mortgage — 2.7k loans across 4k applications— and benchmarked them 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 · USDA
Place
Exceptional
Multi-Region · 16 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 30.60 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
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Report Card
Dsld Mortgage, LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Market Leader Rates 30.6 bps below market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Market Leader Top 20% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Industry Standard Top 60% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Market Leader Top 20% of lenders Multi-Regional16 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,205 | 43.9% | -0.288%Below | $109Fees | ||||
FHA Loans | 876 | 31.9% | -0.097%Below | $61Fees | ||||
VA Loans | 519 | 18.9% | -0.785%Below | $114Fees | ||||
USDA Loans | 142 | 5.2% | -0.532%Below | $140Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,703 | 98.6% | -0.307%Below | $53Fees | ||||
Refinance | 39 | 1.4% | -0.263%Below | $1,851Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,742
Applications
3,765
Volume
$720 million
Pricing & Closing
Avg Rate Spread
-0.306%
vs. market APOR
Avg Net Fees
$94
Origination − Credits
Pullthrough Rate
72.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$262,582
Avg Borrower Income
$103,825
Avg Property Value
$298,085
Geographic Coverage
Geographic Performance
Metro Areas
16
States Served
6
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALFLLAMSTNTX
Top Metro Areas by Place Specialization Score
1
Lafayette, LA, LAMSA
Volume: 413Mix: 15.06%of portfolio
Place
Exceptional2
Hammond, LA, LAMSA
Volume: 159Mix: 5.80%of portfolio
Place
Exceptional3
Shreveport, LAMSA
Volume: 200Mix: 7.29%of portfolio
Place
Exceptional4
Houma, LAMSA
Volume: 153Mix: 5.58%of portfolio
Place
Exceptional5
Gulfport, MSMSA
Volume: 263Mix: 9.59%of portfolio
Place
Exceptional6
Baton Rouge, LA, LAMSA
Volume: 566Mix: 20.64%of portfolio
Place
Exceptional7
Lake Charles, LA, LAMSA
Volume: 98Mix: 3.57%of portfolio
Place
Exceptional8
Slidell, LAMSA
Volume: 146Mix: 5.32%of portfolio
Place
Exceptional9
Crestview, FLMSA
Volume: 141Mix: 5.14%of portfolio
Place
Exceptional10
Huntsville, AL, ALMSA
Volume: 180Mix: 6.56%of portfolio
Place
ExceptionalShowing 10 of 16 metro areas
Top States by Place Specialization Score
1
LAState
Volume: 1,884Mix: 68.71%of portfolio
Place
Exceptional2
ALState
Volume: 291Mix: 10.61%of portfolio
Place
Strong3
MSState
Volume: 264Mix: 9.63%of portfolio
Place
Strong4
FLState
Volume: 241Mix: 8.79%of portfolio
Place
Strong5
TXState
Volume: 61Mix: 2.22%of portfolio
Place
SoundHow 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.