Grade F · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$9,528
median across reports
vs. National Average
184%
above national avg
Avg Origination Charge
$6,011
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $6,225 | $2,425 | 🔺 High |
| Origination Fee | $6,011 | $1,553 | 🔺 High |
| lender_credits | $714 | $443 | 🔺 High |
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Check My Loan Estimate — $19Based on 1,277 homebuyer-submitted Closing Disclosures, Directors Mortgage, Inc.'s median total closing costs are $9,528. This is about 184% above the $3,356 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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How to Read Your Closing Disclosure
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Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from Directors Mortgage, Inc.'s 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
931
Ranked #399 nationally
Median Total Costs
$10,585
+58.5% vs national ($6,680)
Median Rate
6.625%
+2.1% vs national (6.490%)
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 |
| This lender | Oregon median | National median | |
|---|---|---|---|
| Total Closing Costs | $11,754 | $7,860 | $6,680 |
| Interest Rate | 6.500% | 6.500% | 6.490% |
| Originations in state | 454 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 5.812% |
| $17,177 |
| — |
| Montana | 1 | 5.990% | $10,786 | — |