DHI Mortgage Company
DHI Mortgage Company's 66.4k closed loans and 90k applications, benchmarked against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Exceptional
5/5
Near-National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Champion
FHA
Champion
VA
Champion
USDA
Champion
Purchase
Champion
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
Explore another lender or local market
Report Card
DHI Mortgage Company performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 84.2 bps below market avg
5/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
23,943 loans · 0.69% below market
Exceptional
Top 10% of lenders
5/5
FHA
29,978 loans · 0.80% below market
Exceptional
Top 5% of lenders
5/5
VA
11,647 loans · 1.42% below market
Exceptional
Top 5% of lenders
5/5
Jumbo
16 loans · 0.28% above market
Sound
Top 60% of lenders
3/5
USDA
801 loans · 1.07% below market
Exceptional
Top 5% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
66,374 loans · 0.84% below market
Exceptional
Top 5% of lenders
5/5
Refinance
11 loans · 0.05% above market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Exceptional
Top 20% of lenders
5/5
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 |
Conventional
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume23,943
Mix36.1%
Spread
-0.695%Below
Fees
$471Fees
FHA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume29,978
Mix45.2%
Spread
-0.804%Below
Fees
$375Fees
VA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughExceptional
Volume11,647
Mix17.5%
Spread
-1.418%Below
Fees
$335Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughMediocre
Volume16
Mix0.0%
Spread
+0.281%Above
Fees
$435Fees
USDA Loans
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume801
Mix1.2%
Spread
-1.066%Below
Fees
$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 |
Purchase
OverallExceptional
ProductExceptional
PricingExceptional
Pull ThroughStrong
Volume66,374
Mix100.0%
Spread
-0.843%Below
Fees
$406Fees
Refinance
OverallMediocre
ProductAcceptable
Pricing—
Pull ThroughMediocre
Volume11
Mix0.0%
Spread
+0.050%Above
Fees
$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
markets with activity
States Served
36
of 50 states + DC
Avg Place Specialization
Exceptional
5/5
States with Loan Originations
36Full-year 2024 · HMDALoans originated
< 500500–1,0001,000–2,0002,000+None
Northeast2
NJPA
Midwest9
IAILINKSMNMONEOHWI
South16
ALARDEFLGAKYLAMDMSNCOKSCTNTXVAWV
West9
AZCACOHINMNVORUTWA
Top Metro Areas by Place Specialization Score
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 33 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.