Purchase Originations
931
Ranked #399 nationally
Median Total Costs
$10,585
+58.5% vs national ($6,680)
↓ $822 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$5,401
Median Lender Credits
$217
Cost Rank (500+ vol.)
#558
among lenders with 500+ originations
Denial Rate
3.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 618 | 6.625% | $8,776 | $5,252 |
| fha | 244 | 6.375% | $16,462 | $6,150 |
| va | 67 | 6.500% | $10,398 | $4,377 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Oregon | 454 | 6.500% | $11,754 | #25 |
| New Mexico | 279 | 6.625% | $7,254 | #15 |
| Washington | 164 | 6.625% | $13,110 | #74 |
| California | 18 | 6.933% | $14,352 | — |
| Colorado | 6 | 6.250% | $9,308 | — |
| Arizona | 5 | 6.625% | $11,193 | — |
| Idaho | 4 | 5.812% | $17,177 | — |
| Montana | 1 | 5.990% | $10,786 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,588 | 6.375% | — | 11 | −$4,997 | |
| 2 | $5,680 | 6.500% | — | 29 | −$4,905 | |
| 3 | $5,917 | 6.312% | — | 24 | −$4,668 | |
| 4 | $7,464 | 6.875% | — | 27 | −$3,121 | |
| 5 | $8,198 | 6.625% | — | 137 | −$2,387 | |
| 6 | $8,762 | 6.625% | — | 21 | −$1,823 | |
| 7 | $8,863 | 6.625% | — | 15 | −$1,722 | |
| 8 | $9,915 | 6.625% | — | 58 | −$670 | |
| 9 | $10,214 | 6.875% | — | 22 | −$371 | |
| 10 | $10,398 | 6.375% | — | 21 | −$187 | |
| 11 | $10,739 | 6.625% | — | 50 | +$154 | |
| 12 | $10,803 | 6.625% | — | 38 | +$218 | |
| 13 | $11,387 | 6.625% | — | 13 | +$802 | |
| 14 | $11,532 | 6.375% | — | 33 | +$947 | |
| 15 | $13,664 | 6.875% | — | 24 | +$3,079 | |
| 16 | $13,780 | 6.500% | — | 137 | +$3,195 | |
| 17 | $14,095 | 7.000% | — | 17 | +$3,510 | |
| 18 | $15,249 | 6.562% | — | 42 | +$4,664 | |
| 19 | $15,303 | 6.375% | — | 15 | +$4,718 | |
| 20 | $18,759 | 6.625% | — | 24 | +$8,174 |
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 | Directors Mortgage, Inc. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $10,585 | $7,127 | +$3,458 (+48.5%) |
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.