Purchase Originations
209
Median Total Costs
$8,022
+20.1% vs national ($6,680)
↑ $352 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,170
Median Lender Credits
$2,500
Denial Rate
1.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 119 | 6.750% | $6,247 | $1,860 |
| va | 90 | 6.125% | $11,959 | $5,783 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 209 | 6.375% | $8,022 | #160 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,701 | 6.500% | — | 2 | −$4,321 | |
| 2 | $5,245 | 6.375% | — | 1 | −$2,777 | |
| 3 | $5,922 | 6.990% | — | 1 | −$2,100 | |
| 4 | $7,254 | 6.875% | — | 3 | −$768 | |
| 5 | $7,784 | 6.875% | — | 1 | −$238 | |
| 6 | $8,037 | 6.875% | — | 1 | +$15 | |
| 7 | $8,125 | 6.375% | — | 197 | +$103 | |
| 8 | $11,806 | 6.375% | — | 1 | +$3,784 | |
| 9 | $12,252 | 6.125% | — | 1 | +$4,230 | |
| 10 | $15,096 | 6.000% | — | 1 | +$7,074 |
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 | Dybn Financial Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $8,022 | $7,127 | +$895 (+12.6%) |
Other high-volume lenders side-by-side.
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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.