Purchase Originations
63,671
Ranked #5 nationally
Median Total Costs
$7,715
+15.5% vs national ($6,680)
↑ $458 vs prior year
Median Rate
4.990%
−23.1% vs national (6.490%)
↓ 0.260% vs prior year
Median Origination
$0
Median Lender Credits
$349
Cost Rank (500+ vol.)
#423
among lenders with 500+ originations
Denial Rate
13.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 31,764 | 4.500% | $9,215 | $0 |
| conventional | 18,842 | 5.500% | $3,147 | $0 |
| va | 11,919 | 4.875% | $5,171 | $0 |
| usda | 1,146 | 4.500% | $6,029 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 16,650 | 4.500% | $8,709 | #2 |
| Florida | 10,794 | 4.750% | $8,531 | #2 |
| North Carolina | 4,562 | 4.990% | $5,347 | #4 |
| South Carolina | 3,896 | 4.990% | $7,039 | #1 |
| Georgia | 2,536 | 4.990% | $8,393 | #7 |
| California | 2,522 | 4.990% | $10,398 | #17 |
| Arizona | 2,298 | 3.990% | $10,486 | #6 |
| Alabama | 2,192 | 4.990% | $6,523 | #2 |
| Tennessee | 1,933 | 5.625% | $3,112 | #6 |
| Nevada | 1,830 | 4.990% | $8,409 | #3 |
| Washington | 1,410 | 5.500% | $3,313 | #10 |
| Indiana | 1,069 | 5.125% | $6,524 | #12 |
| Utah | 1,030 | 5.625% | $2,458 | #9 |
| Colorado | 970 | 4.500% | $9,083 | #13 |
| Louisiana | 926 | 4.625% | $6,949 | #8 |
| Ohio | 881 | 4.750% | $9,378 | #32 |
| Illinois | 797 | 5.875% | $2,832 | #27 |
| Maryland | 674 | 5.500% | $8,813 | #21 |
| Oklahoma | 634 | 4.990% | $6,784 | #13 |
| Iowa | 633 | 5.375% | $2,055 | #11 |
| Minnesota | 618 | 5.500% | $150 | #22 |
| Mississippi | 604 | 4.990% | $6,400 | #6 |
| Arkansas | 571 | 5.500% | $5,716 | #10 |
| Virginia | 551 | 4.990% | $8,578 | #38 |
| Pennsylvania | 528 | 6.250% | $5,205 | #42 |
| Oregon | 486 | 5.500% | $3,933 | #20 |
| New Jersey | 423 | 6.500% | $6,179 | #37 |
| New Mexico | 404 | 4.990% | $9,166 | #8 |
| Nebraska | 308 | 5.375% | $3,011 | #16 |
| Hawaii | 254 | 5.500% | $5,165 | #11 |
| Delaware | 199 | 5.990% | $7,057 | #15 |
| Kentucky | 198 | 5.500% | $7,548 | #55 |
| West Virginia | 135 | 5.875% | $3,939 | #28 |
| Missouri | 78 | 5.625% | $2,309 | #113 |
| Wisconsin | 49 | 5.875% | $2,665 | — |
| Kansas | 28 | 5.625% | $1,906 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,375 | 5.875% | — | 627 | −$5,340 | |
| 2 | $3,343 | 5.375% | — | 922 | −$4,372 | |
| 3 | $6,199 | 4.990% | — | 633 | −$1,516 | |
| 4 | $7,962 | 4.500% | — | 933 | +$247 | |
| 5 | $8,240 | 3.990% | — | 1,412 | +$525 | |
| 6 | $8,392 | 4.990% | — | 1,327 | +$677 | |
| 7 | $8,520 | 4.750% | — | 855 | +$805 | |
| 8 | $8,533 | 4.750% | — | 971 | +$818 | |
| 9 | $8,709 | 3.990% | — | 1,735 | +$994 | |
| 10 | $8,721 | 4.990% | — | 868 | +$1,006 | |
| 11 | $8,761 | 4.875% | — | 987 | +$1,046 | |
| 12 | $8,786 | 4.500% | — | 603 | +$1,071 | |
| 13 | $9,226 | 4.750% | — | 742 | +$1,511 | |
| 14 | $9,322 | 4.500% | — | 1,268 | +$1,607 | |
| 15 | $9,389 | 3.990% | — | 1,137 | +$1,674 | |
| 16 | $9,623 | 4.500% | — | 1,044 | +$1,908 | |
| 17 | $9,757 | 4.750% | — | 643 | +$2,042 | |
| 18 | $10,408 | 3.990% | — | 1,074 | +$2,693 | |
| 19 | $11,118 | 3.990% | — | 821 | +$3,403 | |
| 20 | $13,935 | 4.750% | — | 869 | +$6,220 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Dhi Mortgage Company, LTD. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $7,715 | $7,127 | +$588 (+8.3%) |
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.