Dhi Mortgage Company at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 101 large mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
49th16.4% deniedPricingmedian rate spread over APOR, weight 30%
100th-1.28 ptsProcesswithdrawn + incomplete share, weight 15%
53rd18.2%Closing coststotal loan costs ÷ loan amount, weight 10%
63rd2.37% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 84,812 | 65,004 | 8.2% | 9.6% | 5.50% | $22B |
| 2024 | 95,925 | 70,673 | 10.3% | 12.2% | 5.38% | $24B |
| 2025 | 102,267 | 69,159 | 13.4% | 16.4% | 4.99% | $23B |
What Dhi Mortgage Company lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 4,770 investment properties.
Why Dhi Mortgage Company denies applications
Primary reason reported for each of the 13,694 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Dhi Mortgage Company
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 5,457 | 1,674 | 62.5% |
| $50k – $100k | 47,095 | 31,825 | 17.6% |
| $100k – $150k | 29,703 | 21,613 | 10.1% |
| $150k – $250k | 14,241 | 10,271 | 7.8% |
| Over $250k | 4,464 | 3,196 | 6.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 7,634 | 5,394 | 16.6% |
| 25–34 | 33,232 | 23,998 | 13.9% |
| 35–44 | 27,047 | 18,063 | 17.4% |
| 45–54 | 16,981 | 10,861 | 19.1% |
| 55–64 | 10,522 | 6,537 | 18.5% |
| 65–74 | 5,188 | 3,289 | 15.1% |
| Over 74 | 1,663 | 1,017 | 13.4% |
Where Dhi Mortgage Company lends
37 states and 600 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 26,348 | 17,748 | 13.5% | 4.50% | #4 |
| Florida | 16,661 | 11,582 | 14.5% | 4.88% | #8 |
| North Carolina | 7,548 | 5,258 | 13.8% | 5.13% | #14 |
| South Carolina | 6,184 | 4,153 | 17.4% | 4.99% | #5 |
| Georgia | 4,295 | 2,777 | 17.0% | 4.99% | #23 |
| Alabama | 3,909 | 2,376 | 17.5% | 4.99% | #8 |
| California | 3,885 | 2,776 | 8.6% | 5.25% | #55 |
| Arizona | 3,479 | 2,406 | 12.8% | 3.99% | #22 |
| Tennessee | 3,078 | 2,122 | 9.2% | 5.75% | #25 |
| Nevada | 2,549 | 2,059 | 6.8% | 4.99% | #10 |
| Washington | 2,173 | 1,626 | 6.3% | 5.50% | #30 |
| Indiana | 1,741 | 1,129 | 14.7% | 5.25% | #47 |
| Louisiana | 1,725 | 973 | 24.0% | 4.63% | #19 |
| Utah | 1,571 | 1,170 | 8.6% | 5.75% | #19 |
| Colorado | 1,512 | 1,014 | 12.4% | 4.63% | #38 |
| Ohio | 1,465 | 933 | 15.2% | 4.75% | #63 |
| Illinois | 1,192 | 854 | 13.4% | 5.88% | #72 |
| Maryland | 1,140 | 734 | 13.8% | 5.50% | #49 |
| Oklahoma | 1,089 | 717 | 9.7% | 4.99% | #30 |
| Arkansas | 1,080 | 638 | 12.1% | 5.50% | #26 |
| Mississippi | 1,014 | 645 | 16.9% | 4.99% | #26 |
| Iowa | 991 | 671 | 10.5% | 5.38% | #22 |
| Virginia | 962 | 657 | 10.0% | 5.50% | #77 |
| Minnesota | 865 | 658 | 5.7% | 5.50% | #55 |
| Pennsylvania | 786 | 612 | 3.7% | 6.38% | #113 |
| New Jersey | 769 | 533 | 5.6% | 6.50% | #81 |
| Oregon | 733 | 547 | 7.2% | 5.50% | #58 |
| New Mexico | 720 | 432 | 20.1% | 4.99% | #26 |
| Nebraska | 500 | 329 | 10.4% | 5.50% | #35 |
| Hawaii | 368 | 263 | 9.8% | 5.50% | #19 |
| Delaware | 364 | 261 | 12.4% | 6.25% | #36 |
| Kentucky | 294 | 204 | 11.9% | 5.50% | #112 |
| West Virginia | 181 | 139 | 2.2% | 5.88% | #66 |
| Missouri | 121 | 81 | 7.4% | 5.69% | #245 |
| Wisconsin | 73 | 52 | 12.3% | 5.88% | #293 |
| Kansas | 35 | 30 | 2.9% | 5.75% | #256 |
Frequently asked questions
Dhi Mortgage Company denied 16.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 49th percentile of large mortgage lenders.
The most common reason Dhi Mortgage Company gave in 2025 was "debt-to-income ratio", cited on 59.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Dhi Mortgage Company originated in 2025 was 4.99%, and its median rate spread over the average prime offer rate was -1.28 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 100% of its applications were for home purchases, 0% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 35% conventional, 48% FHA, 16% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.