Dsld Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
59th7.6% deniedPricingmedian rate spread over APOR, weight 30%
92nd-0.17 ptsProcesswithdrawn + incomplete share, weight 15%
32nd20.6%Closing coststotal loan costs ÷ loan amount, weight 10%
78th1.54% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 3,173 | 2,078 | 8.5% | 11.5% | 5.99% | $528M |
| 2024 | 3,819 | 2,774 | 7.8% | 9.7% | 5.99% | $729M |
| 2025 | 3,708 | 2,711 | 6.0% | 7.6% | 6.13% | $718M |
What Dsld Mortgage 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, 0 manufactured homes, 65 investment properties.
Why Dsld Mortgage denies applications
Primary reason reported for each of the 224 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Dsld Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 223 | 140 | 21.2% |
| $50k – $100k | 1,853 | 1,381 | 7.4% |
| $100k – $150k | 1,086 | 792 | 6.0% |
| $150k – $250k | 423 | 316 | 4.2% |
| Over $250k | 84 | 55 | 8.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 361 | 280 | 9.1% |
| 25–34 | 1,299 | 1,006 | 6.9% |
| 35–44 | 802 | 567 | 10.2% |
| 45–54 | 484 | 328 | 9.9% |
| 55–64 | 405 | 281 | 4.8% |
| 65–74 | 266 | 179 | 3.7% |
| Over 74 | 91 | 70 | 0.0% |
Where Dsld Mortgage lends
6 states and 56 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Dsld Mortgage denied 7.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 59th percentile of mid-size mortgage lenders.
The most common reason Dsld Mortgage gave in 2025 was "debt-to-income ratio", cited on 42.4% 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 Dsld Mortgage originated in 2025 was 6.13%, and its median rate spread over the average prime offer rate was -0.17 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 98% of its applications were for home purchases, 2% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 41% conventional, 35% FHA, 18% 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.