What loan types does DYBN Financial offer?

DYBN Financial offers the following mortgage loan types: Conventional, VA. Each product has its own pricing score and performance metrics.

Where does DYBN Financial offer mortgages?

DYBN Financial offers mortgages in 1 states: FL.

How competitive are DYBN Financial's mortgage rates?

DYBN Financial has an overall pricing score of 29.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is DYBN Financial?

DYBN Financial is a Independent Mortgage Company headquartered in Indian Harbour Beach, FL.

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DYBN Financial

Independent Mortgage Company•Indian Harbour Beach, FLHQ•Direct•Reviews near you on Google

DYBN Financial has 237 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · VA

Place

Exceptional

5/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Strong pull through performance

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

DYBN Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+13.3 bps above market avg

2/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

154 loans · 0.32% above market

Sound

Top 60% of lenders

3/5

83 loans · 0.21% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

228 loans · 0.13% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Exceptional

Top 10% of lenders

5/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Sound	154	65.0%	+0.321%Above	$2,989Fees
VA Loans	Sound	Strong	Acceptable	Strong	83	35.0%	-0.213%Below	$2,724Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume154

Mix65.0%

Spread

+0.321%Above

Fees

$2,989Fees

VA Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume83

Mix35.0%

Spread

-0.213%Below

Fees

$2,724Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Acceptable	Sound	228	96.2%	+0.127%Above	$2,914Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Sound

Volume228

Mix96.2%

Spread

+0.127%Above

Fees

$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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Exceptional

5/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 200200+None

South1

Top Metro Areas by Place Specialization Score

Palm Bay, FLMetro

Volume 221Mix 93.25% of portfolio

92/100

Exceptional

Top States by Place Specialization Score

FloridaState

Volume 237Mix 100.00% of portfolio

72/100

Strong

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.