Dybn Financial 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 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st1.7% deniedPricingmedian rate spread over APOR, weight 30%
81st0.01 ptsProcesswithdrawn + incomplete share, weight 15%
8th27.6%Closing coststotal loan costs ÷ loan amount, weight 10%
43rd2.10% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 455 | 299 | 3.1% | 4.5% | 6.50% | $112M |
| 2024 | 373 | 255 | 1.9% | 2.7% | 6.50% | $95M |
| 2025 | 330 | 235 | 1.2% | 1.7% | 6.38% | $95M |
What Dybn Financial 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, 5 investment properties.
Why Dybn Financial denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Dybn Financial
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 85 | 59 | 3.3% |
| $100k – $150k | 90 | 56 | 1.8% |
| $150k – $250k | 97 | 81 | 0.0% |
| Over $250k | 41 | 27 | 3.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 80 | 60 | 1.6% |
| 35–44 | 62 | 48 | 2.0% |
| 45–54 | 65 | 41 | 2.4% |
| 55–64 | 54 | 34 | 0.0% |
| 65–74 | 34 | 26 | 3.7% |
| Over 74 | 20 | 16 | 0.0% |
Where Dybn Financial lends
1 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 330 | 235 | 1.2% | 6.38% | #291 |
Frequently asked questions
Dybn Financial denied 1.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of small mortgage lenders.
The most common reason Dybn Financial gave in 2025 was "credit history", cited on 50.0% 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 Dybn Financial originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.01 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 90% of its applications were for home purchases, 10% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 60% conventional, 0% FHA, 39% 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.