DHI Mortgage Company, Ltd.: 2025 mortgage rates, costs & approvals
How DHI Mortgage Company, Ltd. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: DHI MORTGAGE COMPANY, LTD. · LEI 5493001SXWZ4OFP8Z903
In 2025, DHI Mortgage Company, Ltd. originated 63,686 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 36 states — 9th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 5.50% (all lenders: 6.625%); its median rate spread was 107 basis points below the national median. Median conventional loan costs were $3,150, 43% lower than the national median ($5,570).
It denied 16.4% of completed home-purchase applications (all lenders: 8.5%).
How DHI Mortgage Company, Ltd. priced home-purchase loans
| Purchase loans, 2025 | DHI Mortgage Company, Ltd. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 5.500% | 6.625% |
| 30-year fixed rate · FHA | 4.500% | 6.250% |
| 30-year fixed rate · VA | 4.875% | 6.125% |
| 15-year fixed rate · conventional | 5.375% | 5.875% |
| Rate spread vs. APOR · conventional | −0.93 pts | +0.13 pts |
| Total loan costs · conventional | $3,150 | $5,570 |
| Total loan costs · FHA | $9,220 | $11,310 |
| Total loan costs · VA | $5,170 | $6,490 |
| Origination charges (all types) | $0 | $1,860 |
| Borrowers paying discount points | 54.3% | 51.3% |
| Points paid, when paid (% of loan) | 1.00% | 0.87% |
| Borrowers receiving lender credits | 3.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why DHI Mortgage Company, Ltd. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where DHI Mortgage Company, Ltd. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 16,650 | 20,295 | 16.6% | 4.990% | $3,950 |
| Florida | 10,795 | 13,151 | 17.1% | 5.500% | $3,590 |
| North Carolina | 4,562 | 5,561 | 17.1% | 5.500% | $2,490 |
| South Carolina | 3,897 | 4,929 | 20.3% | 5.500% | $2,910 |
| Georgia | 2,536 | 3,254 | 21.3% | 5.500% | $3,010 |
| California | 2,522 | 2,862 | 11.0% | 5.500% | $4,110 |
| Arizona | 2,300 | 2,738 | 14.8% | 4.990% | $4,410 |
| Alabama | 2,193 | 2,862 | 22.2% | 5.500% | $2,150 |
| Tennessee | 1,933 | 2,232 | 11.8% | 5.990% | $2,380 |
| Nevada | 1,831 | 1,995 | 7.8% | 5.500% | $3,020 |
| Washington | 1,413 | 1,546 | 8.2% | 5.750% | $3,070 |
| Indiana | 1,069 | 1,321 | 18.4% | 5.500% | $2,000 |
| Utah | 1,031 | 1,170 | 10.8% | 5.875% | $2,160 |
| Colorado | 972 | 1,153 | 14.9% | 4.990% | $2,340 |
| Louisiana | 926 | 1,340 | 30.3% | 5.500% | $3,010 |
| Ohio | 881 | 1,097 | 19.4% | 5.250% | $2,980 |
| Illinois | 797 | 953 | 16.1% | 5.990% | $2,790 |
| Maryland | 674 | 827 | 17.4% | 5.990% | $3,990 |
| Oklahoma | 634 | 744 | 13.1% | 5.500% | $2,560 |
| Iowa | 633 | 741 | 13.9% | 5.500% | $1,440 |
| Minnesota | 618 | 673 | 7.1% | 5.750% | $0 |
| Mississippi | 604 | 774 | 20.2% | 5.500% | $1,870 |
| Arkansas | 571 | 694 | 16.6% | 5.875% | $2,000 |
| Virginia | 551 | 644 | 13.8% | 5.990% | $4,180 |
| Pennsylvania | 528 | 559 | 4.1% | 6.500% | $4,850 |
| Oregon | 488 | 536 | 9.0% | 5.875% | $3,680 |
| New Jersey | 423 | 462 | 7.1% | 6.500% | $5,950 |
| New Mexico | 405 | 541 | 24.8% | 5.375% | $3,240 |
| Nebraska | 308 | 359 | 13.9% | 5.500% | $2,330 |
| Hawaii | 254 | 291 | 12.0% | 5.990% | $4,380 |
| Delaware | 199 | 241 | 17.0% | 6.375% | $4,730 |
| Kentucky | 198 | 233 | 14.6% | 5.990% | $2,300 |
| West Virginia | 135 | 139 | 2.9% | 5.990% | $3,520 |
| Missouri | 78 | 89 | 10.1% | 5.990% | $2,220 |
| Wisconsin | 49 | 58 | 15.5% | 5.990% | $2,600 |
| Kansas | 28 | 29 | 3.5% | 5.875% | $1,910 |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open DHI Mortgage Company, Ltd.'s page for that state.
Counties where DHI Mortgage Company, Ltd. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Caldwell County, TX | 1 | 161 | 28.7% |
| Marshall County, MS | 1 | 111 | 22.3% |
| Gulf County, FL | 1 | 34 | 19.1% |
| Milam County, TX | 1 | 44 | 18.6% |
| Wakulla County, FL | 1 | 126 | 18.3% |
| Medina County, TX | 1 | 152 | 14.9% |
| Bay County, FL | 1 | 500 | 14.8% |
| George County, MS | 2 | 52 | 14.8% |
| Washington County, TX | 1 | 60 | 14.5% |
| Aransas County, TX | 1 | 50 | 13.9% |
| Hunt County, TX | 1 | 252 | 13.7% |
| Wise County, TX | 1 | 226 | 13.3% |
| Jasper County, SC | 1 | 154 | 13.3% |
| Madison County, OH | 1 | 103 | 12.9% |
| Baldwin County, AL | 1 | 633 | 12.5% |
Check DHI Mortgage Company, Ltd. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493001SXWZ4OFP8Z903.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from DHI Mortgage Company, Ltd. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology