Applications / Mortgage Analytics / Lenders / Florida / DYBN Financial
Melbourne, FL · Independent non-bank lender · CFPB · 235 loans in 2025
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235
loans originated, 2025
330
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
DYBN Financial, a Florida home-purchase lender, makes more than two in five of its loans with a guarantee from the Department of Veterans Affairs (VA), about ten times its peers' share.
VA loans were 43.0% of its 235 loans, against 4.0% at similar lenders, which are independent non-bank lenders making between half and twice as many loans. That is higher than at nearly all of them. It made no loans insured by the Federal Housing Administration, where the typical peer made 17.4%. Purchases took 91.1%.
It ranks 11 of 573 lenders in Palm Bay-Melbourne-Titusville, with 1.8% of lending, where it has reported since 2015. United Wholesale Mortgage and Space Coast Credit Union lead there. It lends only in Florida, across 9 metros, and is small in the others.
Its denial rate on home-purchase applications was 1.9%, against 3.5% at similar lenders, lower than at about seven in ten of them. Its typical rate was 6.38%, against 6.50%.
It made 592 loans in 2020 and 235 in 2025, down 8% from 2024 while similar lenders fell 1%. Its dollar volume held at $95.2 million, against $95.0 million, and its typical loan rose to $355,000.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. DYBN Financial took 330 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 91.1% · Refinance 8.9%
Conventional 57.0% · VA 43.0% · of 235 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 235 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Palm Bay-Melbourne-Titusville | 222 |
| Sebastian-Vero Beach-West Vero Corridor | 3 |
| Deltona-Daytona Beach-Ormond Beach | 2 |
| Orlando-Kissimmee-Sanford | 2 |
| St. Petersburg-Clearwater-Largo | 2 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Jacksonville | 1 |
| Naples-Marco Island | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GT860C7IVCPZ04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5019351 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7113647435 |
Established 8 August 2002. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: DYBN Financial's data.
DYBN Financial's data
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DYBN Financial and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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