Purchase Originations
1,111
Ranked #347 nationally
Median Total Costs
$6,820
+2.1% vs national ($6,680)
↑ $184 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$0
Median Lender Credits
$60
Cost Rank (500+ vol.)
#347
among lenders with 500+ originations
Denial Rate
3.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 543 | 6.250% | $6,895 | $0 |
| va | 371 | 6.250% | $6,801 | $0 |
| conventional | 197 | 6.250% | $6,676 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 1,025 | 6.250% | $6,801 | #60 |
| New Mexico | 23 | 6.500% | $9,004 | — |
| Tennessee | 19 | 6.125% | $6,678 | — |
| Mississippi | 15 | 5.875% | $5,870 | — |
| Alabama | 5 | 6.375% | $7,518 | — |
| California | 5 | 5.750% | $2,814 | — |
| Florida | 5 | 5.750% | $6,195 | — |
| Louisiana | 3 | 6.375% | $6,028 | — |
| North Carolina | 3 | 6.375% | $9,437 | — |
| Maryland | 2 | 4.870% | $8,156 | — |
| Oklahoma | 2 | 6.188% | $2,364 | — |
| South Carolina | 2 | 5.625% | $8,808 | — |
| Arkansas | 1 | 5.750% | $9,464 | — |
| Georgia | 1 | 7.125% | $14,018 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,627 | 6.000% | — | 10 | −$2,193 | |
| 2 | $4,995 | 5.933% | — | 12 | −$1,825 | |
| 3 | $5,746 | 6.625% | — | 7 | −$1,074 | |
| 4 | $5,784 | 5.375% | — | 9 | −$1,036 | |
| 5 | $5,860 | 6.438% | — | 30 | −$960 | |
| 6 | $6,023 | 6.125% | — | 9 | −$797 | |
| 7 | $6,240 | 6.183% | — | 8 | −$580 | |
| 8 | $6,502 | 5.490% | — | 13 | −$318 | |
| 9 | $6,503 | 6.250% | — | 33 | −$317 | |
| 10 | $6,794 | 6.125% | — | 551 | −$26 | |
| 11 | $6,814 | 6.558% | — | 22 | −$6 | |
| 12 | $6,940 | 6.375% | — | 47 | +$120 | |
| 13 | $7,016 | 6.125% | — | 46 | +$196 | |
| 14 | $7,018 | 6.490% | — | 39 | +$198 | |
| 15 | $7,070 | 6.250% | — | 105 | +$250 | |
| 16 | $7,088 | 6.124% | — | 18 | +$268 | |
| 17 | $7,637 | 6.188% | — | 10 | +$817 | |
| 18 | $8,518 | 5.870% | — | 6 | +$1,698 | |
| 19 | $9,048 | 6.438% | — | 22 | +$2,228 | |
| 20 | $9,532 | 6.125% | — | 6 | +$2,712 |
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 Equity, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $6,820 | $7,127 | −$307 (−4.3%) |
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.