DHI Mortgage
DHI Mortgage Company, Ltd. is the wholly-owned captive mortgage lending subsidiary of D.R. Horton, America's largest U.S. homebuilder. It finances buyers of D.R. Horton new construction homes across 34+ states through a branch network of 500+ loan originators, complemented by affiliated title and insurance services.
- Company typePrivate
- Founded1978
- HeadquartersAustin, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
What DHI Mortgage does
DHI Mortgage Company, Ltd. is a wholly-owned mortgage lending subsidiary of D.R. Horton, Inc. (NYSE: DHI), America's largest homebuilder by volume for 24 consecutive years. Founded in 1978 and headquartered in Austin, Texas, DHI Mortgage operates as a captive lender serving buyers of D.R. Horton new construction homes, with a branch network spanning 34+ U.S. states supported by more than 500 named loan originators and approximately 251–500 employees. The company offers loan origination, processing, underwriting, and funding in-house, supplemented by electronic closing (eClose), online prequalification, a mortgage calculator, and the DHI Mortgage Home Buyers Club credit-building program, with bilingual Spanish-language servicing for Hispanic homebuyers and TX Vet/affordable housing programs.
Revenue is generated through transaction-based loan origination fees ($600–$1,795 flat depending on state and program), processing fees ($250–$300 per loan), and affiliated title insurance and hazard insurance revenue captured through wholly-owned sister entities DHI Title and D.R. Horton Insurance Agency. The go-to-market is direct-to-consumer via D.R. Horton new home sales centers and DHI Mortgage branches, with marketing supported by the corporate website, social channels, and the Home Buyers Club funnel. Technology is standard mortgage lending infrastructure — no proprietary AI/ML systems are disclosed, though the parent company made a strategic investment in AI mortgage POS provider Tidalwave in November 2025.
The business model is structurally captive: 100% of customer flow originates from D.R. Horton home purchases, making DHI Mortgage's revenue a derivative of parent homebuilder closings volume and capture rate. Legal exposure emerged in October 2025 via a class action alleging deceptive practices in homebuyer cost disclosures, which represents a material regulatory risk to the captive sales model.
DHI Mortgage firmographics
Firmographics- Name
- DHI Mortgage
- Legal name
- DHI Mortgage Company, Ltd.
- Website
- https://dhimortgage.com
- Company type
- Private
- Founded year
- 1978
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- DHI Mortgage Company, Ltd. is the wholly-owned captive mortgage lending subsidiary of D.R. Horton, America's largest U.S. homebuilder. It finances buyers of D.R. Horton new construction homes across 34+ states through a branch network of 500+ loan originators, complemented by affiliated title and insurance services.
- Ownership category
- akta.pro rank
DHI Mortgage industry classification
Industry- Product category
- Residential Mortgage Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)
Keywords
Where DHI Mortgage is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Offices12 records
Markets served
DHI Mortgage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Loan Origination Fees: DHI Mortgage charges loan origination fees typically structured as 0% of loan amount plus a flat fee ranging from $600 to $1,795 depending on state and loan program. Additional fees may apply for Affordable Housing Loan Programs.
- Processing Fees: Mortgage processing fees ranging from $250 to $300 per loan, covering the administrative costs of preparing loan files for underwriting.
- Affiliate Title and Insurance Services: DHI Mortgage generates revenue through affiliated companies DHI Title (title insurance and closing services) and D.R. Horton Insurance Agency (hazard insurance). These corporate affiliates are 100% wholly owned by or subsidiaries of the same parent corporation, providing integrated mortgage, title, and insurance services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard Loan Origination - Most States |
| Transaction based/ take rate | Pay-as-you-go | Processing Fee |
| Transaction based/ take rate | Pay-as-you-go | Texas Specific Programs |
| Transaction based/ take rate | Pay-as-you-go | California Affordable Housing Program |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
DHI Mortgage product offering
Product offeringCore offering
DHI Mortgage Company, Ltd. provides residential mortgage lending services — loan origination, processing, underwriting, and funding — to homebuyers purchasing newly built D.R. Horton homes across 34+ U.S. states. Operating as the captive financing arm of D.R. Horton, the company also offers specialized programs including FHA loans, VA loans, Texas Vet loans, and an exclusive Home Buyers Club that allows buyers to pre-qualify and lock in rates before construction is complete.
Product overview
DHI Mortgage Company, Ltd. is a mortgage lending company and subsidiary of D.R. Horton, America's largest homebuilder. The company operates as a single unified mortgage lending product with several supporting modules and tools. Core offerings include mortgage loan origination for new construction homes, supported by supplementary tools including the DHI Mortgage Home Buyers Club® for credit-challenged borrowers, a Mortgage Calculator for payment estimation, an online pre-qualification portal, and electronic closing (eClose) capabilities. The company operates branch locations across multiple U.S. states and maintains affiliated relationships with DHI Title and D.R. Horton Insurance Agency for closing and insurance services.
Differentiator
Problem solved
Functional benefit
Products and services
- DHI Home Buyers Club Exclusive pre-qualification and rate-lock program for buyers of D.R. Horton homes, allowing them to secure financing terms prior to home completion. Targeted at prospective D.R. Horton homebuyers across 34+ states.
- FHA Loans Federal Housing Administration-insured mortgage loans for eligible low-to-moderate-income homebuyers purchasing D.R. Horton homes.
- VA Loans U.S. Department of Veterans Affairs-guaranteed mortgage loans for eligible veterans, active-duty service members, and qualifying spouses purchasing D.R. Horton homes.
- Texas Vet Loans Texas Veterans Land Board loan program offering favorable financing terms to eligible Texas veterans purchasing homes in Texas.
- Conventional Mortgage Loans Standard conforming and non-conforming residential mortgage loans underwritten to conventional (non-government) guidelines for D.R. Horton homebuyers.
- Mortgage Origination, Processing, Underwriting and Funding Full-service mortgage origination workflow covering loan application intake, processing, underwriting decisioning, and funding/closing for D.R. Horton homebuyers.
Companies that use DHI Mortgage
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles1 record
DHI Mortgage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
DHI Mortgage partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- D.R. HortoncoreDHI Mortgage is a wholly-owned subsidiary of D.R. Horton, America's largest homebuilder by volume for 24 consecutive years. This captive lender relationship provides guaranteed customer flow and integrated home purchase financing. DHI Mortgage leverages D.R. Horton's national homebuilding operations for distribution while providing mortgage financing to homebuyers.
- DHI TitlecoreDHI Title (including DHI Title of Alabama, Arizona, Arkansas, Florida, Georgia, Louisiana, Nevada, New Mexico, South Carolina, Washington, and other state-specific entities) provides closing services and title insurance through multiple underwriters, including DHI Title Insurance Company. This affiliated company is 100% wholly owned by the same parent corporation as DHI Mortgage.
- D.R. Horton Insurance AgencycoreD.R. Horton Insurance Agency, Inc. (located at 1341 Horton Circle, Arlington, TX 76011) provides hazard insurance services to DHI Mortgage customers. This corporate affiliate is 100% wholly owned by or a subsidiary of the same parent corporation. The affiliation is disclosed per RESPA requirements, noting that utilizing these services may provide DHI Mortgage a financial benefit.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
DHI Mortgage competitors and assessment
Company assessmentDirect peers
- Pulte Mortgage: Wholly-owned captive mortgage lender for PulteGroup, one of the largest U.S. homebuilders. Closest comparable to DHI Mortgage in structure, captive builder relationship, and centralized mortgage/title/insurance integration.
- Lennar Mortgage: Captive mortgage subsidiary of Lennar Corporation, the second-largest U.S. homebuilder. Directly comparable business model — financing primarily Lennar home buyers with affiliated title and insurance services.
- Toll Brothers Mortgage: Captive mortgage operation of Toll Brothers, a top-tier U.S. luxury homebuilder. Comparable in being a builder-owned lender focused on purchase mortgages for the parent company's home sales.
- Tri Pointe Mortgage: Captive mortgage financing arm of Tri Pointe Homes, a major U.S. homebuilder. Directly analogous model of builder-affiliated purchase mortgage origination for new construction buyers.
- Guild Mortgage: Publicly-traded U.S. retail mortgage lender with national branch network. Comparable in retail purchase-mortgage focus, geographic diversification, and mid-to-large scale operations.
- Movement Mortgage: Large private U.S. retail mortgage lender with national branch footprint. Comparable in being a non-bank retail lender with distributed branch origination, FHA/VA product mix, and purchase-mortgage emphasis.
Broad incumbents
- Rocket Mortgage: Largest U.S. retail mortgage lender by volume. Not a captive builder lender, but a dominant incumbent in the same residential mortgage origination market DHI Mortgage operates in — comparable in scale, product breadth, and regulatory exposure.
- United Wholesale Mortgage: Largest U.S. wholesale mortgage lender. Operates in the same residential mortgage origination space as DHI Mortgage but through a broker channel rather than captive retail — relevant comparable for origination volume and margin benchmarks.
- LoanDepot: Large U.S. retail and wholesale mortgage lender (LDLC). Comparable in retail purchase-mortgage focus, multi-channel originations, and digital servicing capabilities.
- NewRez (Rithm Capital): Top-15 U.S. mortgage originator and servicer, subsidiary of Rithm Capital (formerly New Residential). Comparable in retail and correspondent origination channels and servicing scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
DHI Mortgage social profiles
Digital presenceDHI Mortgage compliance and trust
Trust signalCompliance3 records
DHI Mortgage financial estimates
Financial estimateRevenue estimate
Valuation estimate
DHI Mortgage leadership team
Management profileNumber of profiles
Profiles3 records
DHI Mortgage subsidiaries and ownership
Company hierarchySubsidiaries5 records
DHI Mortgage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DHI Mortgage M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about DHI Mortgage
What does DHI Mortgage do?
DHI Mortgage Company, Ltd. provides residential mortgage lending services — loan origination, processing, underwriting, and funding — to homebuyers purchasing newly built D.R. Horton homes across 34+ U.S. states. Operating as the captive financing arm of D.R. Horton, the company also offers specialized programs including FHA loans, VA loans, Texas Vet loans, and an exclusive Home Buyers Club that allows buyers to pre-qualify and lock in rates before construction is complete.
Is DHI Mortgage a public or private company?
DHI Mortgage is a private company. It is classified as corporate owned and is currently operating.
When was DHI Mortgage founded?
DHI Mortgage was founded in 1978. It employs 251 to 500 people.
Where is DHI Mortgage based?
DHI Mortgage is headquartered in Austin, United States, in the North America region.
How does DHI Mortgage make money?
Three revenue lines are on record. Loan Origination Fees are the primary driver. The others are processing Fees and affiliate Title and Insurance Services.
Who are DHI Mortgage's main competitors?
Direct peers on record are Pulte Mortgage, Lennar Mortgage, Toll Brothers Mortgage, Tri Pointe Mortgage, Guild Mortgage and Movement Mortgage. Broad incumbents are Rocket Mortgage, United Wholesale Mortgage, LoanDepot and NewRez (Rithm Capital).
Does DHI Mortgage have an API?
No public API is recorded for DHI Mortgage.
What industry is DHI Mortgage in?
DHI Mortgage's product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSALAAAD, Purchase Mortgage Origination (Homebuyer Focused). Its NAICS code is 522310 and its SIC code is 6162.