Purchase Originations
284
Median Total Costs
$3,349
−49.9% vs national ($6,680)
↑ $211 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$550
Median Lender Credits
$45
Denial Rate
4.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 284 | 6.375% | $3,349 | $550 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,117 | 5.125% | — | 1 | −$1,232 | |
| 2 | $2,257 | 6.625% | — | 9 | −$1,092 | |
| 3 | $2,565 | 6.250% | — | 1 | −$784 | |
| 4 | $2,575 | 6.562% | — | 2 | −$774 | |
| 5 | $2,580 | 6.375% | — | 19 | −$769 | |
| 6 | $2,636 | 6.438% | — | 2 | −$713 | |
| 7 | $2,796 | 6.500% | — | 5 | −$553 | |
| 8 | $2,873 | 6.250% | — | 1 | −$476 | |
| 9 | $3,048 | 4.388% | — | 1 | −$301 | |
| 10 | $3,355 | 6.375% | — | 45 | +$6 | |
| 11 | $3,391 | 6.375% | — | 150 | +$42 | |
| 12 | $3,434 | 6.125% | — | 4 | +$85 | |
| 13 | $3,502 | 6.750% | — | 1 | +$153 | |
| 14 | $3,722 | 6.188% | — | 28 | +$373 | |
| 15 | $3,764 | 5.250% | — | 3 | +$415 | |
| 16 | $3,850 | 6.188% | — | 4 | +$501 | |
| 17 | $3,941 | 6.375% | — | 1 | +$592 | |
| 18 | $4,034 | 6.250% | — | 3 | +$685 | |
| 19 | $4,339 | 6.125% | — | 1 | +$990 | |
| 20 | $5,573 | 6.375% | — | 1 | +$2,224 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Directions Credit Union, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $3,349 | $7,127 | −$3,778 (−53.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.