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Dybn Financial Corp.

Independent Mortgage CompanyIndian Harbour Beach, FLDirect to Consumer

Dybn Financial has 237 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
Conventional · VA
Place
Exceptional
Single State · 1 mkts

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance

Things to Think About

  • Pricing may be below industry average

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Report Card

Dybn Financial Corp. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
Near industry average
+13.3 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Exceptional
Market Leader
Top 10% of lenders
Single State1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Acceptable
Sound
15465.0%
+0.321%Above
$2,989Fees
VA Loans
Sound
Strong
Acceptable
Strong
8335.0%
-0.213%Below
$2,724Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Acceptable
Sound
22896.2%
+0.127%Above
$2,914Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
237
Applications
346
Volume
$87 million
Pricing & Closing
Avg Rate Spread
+0.133%
vs. market APOR
Avg Net Fees
$2,896
Origination − Credits
Pullthrough Rate
68.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$371,203
Avg Borrower Income
$153,954
Avg Property Value
$465,970

Geographic Coverage

Geographic Performance

Metro Areas
1
States Served
1
We count Washington DC as a state
Avg Place Specialization
Exceptional

States with Loan Originations

FL

Top Metro Areas by Place Specialization Score

1
Palm Bay, FLMSA
Volume: 221Mix: 93.25%of portfolio
Place
Exceptional

Top States by Place Specialization Score

1
FLState
Volume: 237Mix: 100.00%of portfolio
Place
Strong

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.