Directions Credit Union Mortgage Rates, Fees & Info

Toledo, OH

LEI: 254900UHFHT3IWKY8K19

Tax ID: 34-4475249

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Directions Credit Union is a smaller credit union specializing in Refi and Home Purchase loans. Directions Credit Union has a high proportion of conventional loans. Their top markets include Toledo, Monroe, Mansfield, Ashland, and Detroit among others. Directions Credit Union has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors.


Originations

821

Origination Dollar Volume (All Markets)

$140,865,000

Relative Rate

Directions Credit Union 's average 30 year fixed rate mortgage of loans were 3.09%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.06%.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
TOLEDO, OH (FHA|USDA|VA) 466 $82,430,000 $176,888 $0 2.97%
MONROE, MI (FHA|USDA|VA) 134 $25,500,000 $190,299 $0 2.88%
MANSFIELD, OH (FHA|USDA|VA) 93 $10,525,000 $113,172 $0 2.94%
Ashland, OH (FHA|USDA|VA) 24 $3,120,000 $130,000 $0 2.96%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 12 $2,710,000 $225,833 $0 3.05%
Adrian, MI (FHA|USDA|VA) 11 $2,325,000 $211,364 $0 2.84%
Wooster, OH (FHA|USDA|VA) 16 $2,140,000 $133,750 $0 3.03%
COLUMBUS, OH (FHA|USDA|VA) 8 $1,610,000 $201,250 $0 2.97%
Outside of Metro Areas 12 $1,550,000 $129,167 $0 2.99%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $785,000 $157,000 $0 2.98%
ANN ARBOR, MI (FHA|USDA|VA) 2 $600,000 $300,000 $0 2.69%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $525,000 $525,000 $0 3.75%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $510,000 $255,000 $0 3.13%
Norwalk, OH (FHA|USDA|VA) 4 $490,000 $122,500 $0 2.84%
Bucyrus-Galion, OH (FHA|USDA|VA) 3 $485,000 $161,667 $0 2.88%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $425,000 $425,000 $0 2.63%
Findlay, OH (FHA|USDA|VA) 2 $420,000 $210,000 $0 2.69%
JACKSON, MI (FHA|USDA|VA) 2 $410,000 $205,000 $0 2.50%
Fremont, OH (FHA|USDA|VA) 2 $400,000 $200,000 $0 2.94%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $390,000 $195,000 $0 3.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $380,000 $190,000 $0 2.69%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $375,000 $375,000 $0 2.38%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $365,000 $365,000 $0 3.13%
Albemarle, NC (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.00%
Defiance, OH (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.13%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 2.75%
New Philadelphia-Dover, OH (FHA|USDA|VA) 3 $235,000 $78,333 $0 2.63%
Coldwater, MI (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.00%
Sturgis, MI (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.00%
COLUMBIA, SC (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.13%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.00%
Hillsdale, MI (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.88%
AKRON, OH (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.88%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.13%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 2.88%
Marinette, WI-MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.13%

Directions Credit Union 's top markets include Toledo, Monroe, Mansfield, Ashland, and Detroit among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 821 $140,865,000 $171,577 $0 2.95%

For the 2021 period, Directions Credit Union 's most frequently originated loan type of loans were Conventional, with 821 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 531 $88,315,000 $166,318 $0 2.87%
Home Purchase 272 $51,270,000 $188,493 $0 3.09%
Home Improvement 18 $1,280,000 $71,111 $0 3.00%

For the 2021, Directions Credit Union 's most frequently cited loan purpose of loans were Refi, with 531 originations. The 2nd most popular reason of loans were Home Purchase, with 272 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 478 $91,530,000 $191,485 $0 3.09%
15 Year 184 $26,280,000 $142,826 $0 2.60%
20 Year 115 $18,515,000 $161,000 $0 2.91%
Other 20 $2,320,000 $116,000 $0 3.08%
3 Year 15 $1,255,000 $83,667 $0 3.08%
10 Year 9 $965,000 $107,222 $0 2.57%

For the 2021, Directions Credit Union 's most frequently cited loan length of loans were 30 Year, with 478 originations. The 2nd most popular length of loans were 15 Year, with 184 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 656 $108,800,000 $165,854
$1k-2k 14 $5,310,000 $379,286

$0 of loans were Directions Credit Union 's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 656 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 511 $87,365,000 $170,969
3-4% 227 $42,025,000 $185,132
<2.5% 66 $10,290,000 $155,909

During 2021, Directions Credit Union 's average interest rate of loans were 3.09%, while their most frequently originated rate bucket of loans were 2.5-3%, with 511 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 357 $51,345,000 $143,824 $0 2.92%
$200k-400k 225 $60,145,000 $267,311 $0 2.96%
$100,000 or less 210 $15,090,000 $71,857 $0 2.97%
$400k-600k 26 $11,810,000 $454,231 $0 3.02%
$600k-1MM 3 $2,475,000 $825,000 $0 3.29%

2021 saw Directions Credit Union place emphasis on $100k-200k loans with 357 originations, totaling $51,345,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 202 $38,430,000 $190,248 $0 2.94%
$50k-75k 189 $26,115,000 $138,175 $0 2.95%
$75k-100k 163 $26,535,000 $162,791 $0 2.92%
$50k or less 148 $15,900,000 $107,432 $0 2.99%
$150k-250k 87 $23,135,000 $265,920 $0 2.92%
$250k+ 31 $10,445,000 $336,935 $0 3.00%

Directions Credit Union lent most frequently to those with incomes in the $100k-150k range, with 202 originations. The second most popular income band? $50k-75k, with 189 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 270 $48,390,000 $179,222 $0 2.93%
30-36% 152 $25,970,000 $170,855 $0 2.98%
<20% 135 $21,035,000 $155,815 $0 2.90%
36% 29 $6,505,000 $224,310 $0 3.06%
40% 25 $3,545,000 $141,800 $0 3.00%
38% 25 $4,175,000 $167,000 $0 2.97%
44% 24 $4,500,000 $187,500 $0 2.91%
37% 20 $2,860,000 $143,000 $0 3.04%
43% 18 $3,770,000 $209,444 $0 2.99%
42% 16 $2,440,000 $152,500 $0 3.02%
39% 15 $3,425,000 $228,333 $0 2.84%
46% 12 $2,480,000 $206,667 $0 2.91%
41% 12 $1,940,000 $161,667 $0 2.97%
48% 11 $1,765,000 $160,455 $0 2.90%
45% 11 $1,525,000 $138,636 $0 3.08%
47% 9 $1,315,000 $146,111 $0 2.83%
50-60% 9 $1,465,000 $162,778 $0 2.97%
49% 6 $1,790,000 $298,333 $0 2.98%
>60% 1 $215,000 $215,000 $0 3.13%

Directions Credit Union lent most frequently to those with DTI ratios of 20-30%, with 270 originations. The next most common DTI ratio? 30-36%, with 152 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 754 $131,530,000 $174,443 $0 2.94%
Not provided 34 $4,800,000 $141,176 $0 2.99%
Black 22 $3,100,000 $140,909 $0 3.15%
Asian 7 $855,000 $122,143 $0 3.18%
American Indian 2 $310,000 $155,000 $0 3.00%
Native Hawaiian 2 $270,000 $135,000 $0 3.06%

Approval Rates

Total approvals of all applications
93.37%

Directions Credit Union has an average approval rate.

Pick Rate

Approvals leading to origination
87.08%

Directions Credit Union has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
1000.42 1 $85,000 $85,000
1000.5 1 $215,000 $215,000
1003.61 1 $335,000 $335,000
1003.83 1 $245,000 $245,000
1005.37 1 $165,000 $165,000
1005.61 1 $165,000 $165,000
1006.02 1 $355,000 $355,000
1006.76 1 $165,000 $165,000
1008.46 1 $85,000 $85,000
1011.37 1 $255,000 $255,000
1011.64 1 $155,000 $155,000
1014.66 1 $75,000 $75,000
1016.34 1 $255,000 $255,000
1017.64 1 $135,000 $135,000
1017.99 1 $155,000 $155,000
1019.25 1 $315,000 $315,000
1019.62 1 $225,000 $225,000
10196.27 1 $525,000 $525,000
1019.64 1 $245,000 $245,000
1020.52 1 $265,000 $265,000
1020.72 1 $135,000 $135,000
1022.35 1 $255,000 $255,000
1022.48 1 $205,000 $205,000
1022.7 1 $375,000 $375,000
1024.9 1 $305,000 $305,000
1029.37 1 $15,000 $15,000
1029.81 1 $55,000 $55,000
1033.45 1 $315,000 $315,000
1034.17 1 $155,000 $155,000
1034.88 1 $205,000 $205,000
1035.84 1 $215,000 $215,000
1035.91 1 $195,000 $195,000
1037.83 1 $175,000 $175,000
1043.72 1 $95,000 $95,000
1044.65 1 $305,000 $305,000
1047.21 1 $65,000 $65,000
1047.27 1 $365,000 $365,000
1053.18 1 $55,000 $55,000
1057.98 1 $235,000 $235,000
1058.37 1 $175,000 $175,000
1059.52 1 $195,000 $195,000
1061.88 1 $185,000 $185,000
1062.23 1 $245,000 $245,000
1063.2 1 $145,000 $145,000
1063.47 1 $155,000 $155,000
1065.76 1 $205,000 $205,000
1066.2 1 $45,000 $45,000
1066.63 1 $175,000 $175,000
10694.79 1 $305,000 $305,000
1073.11 1 $155,000 $155,000
1075.41 1 $205,000 $205,000
1075.48 1 $375,000 $375,000
1078.28 1 $165,000 $165,000
1083.12 1 $85,000 $85,000
1087.01 1 $185,000 $185,000
1090.76 1 $95,000 $95,000
1090.87 1 $95,000 $95,000
1091.07 1 $105,000 $105,000
1094.55 1 $205,000 $205,000
1096.04 1 $175,000 $175,000
1107.21 1 $325,000 $325,000
1108.34 1 $75,000 $75,000
1111.28 1 $105,000 $105,000
1115.05 1 $85,000 $85,000
1115.87 1 $185,000 $185,000
1116.61 1 $185,000 $185,000
1117.78 1 $205,000 $205,000
1118.19 1 $245,000 $245,000
1125.3 1 $245,000 $245,000
1129.87 1 $65,000 $65,000
1135.93 1 $215,000 $215,000
1148.88 1 $205,000 $205,000
1150.49 1 $395,000 $395,000
1150.96 1 $185,000 $185,000
1152.56 1 $365,000 $365,000
1157.38 1 $245,000 $245,000
1157.85 1 $95,000 $95,000
1157.91 1 $235,000 $235,000
1164.93 1 $95,000 $95,000
1170.96 1 $85,000 $85,000
1172.07 1 $195,000 $195,000
1174.32 1 $115,000 $115,000
1175.04 1 $125,000 $125,000
1175.5 1 $105,000 $105,000
1178.39 1 $215,000 $215,000
1179.42 1 $205,000 $205,000
1181.63 1 $65,000 $65,000
1191.11 1 $45,000 $45,000
1201.8 1 $45,000 $45,000
1203.16 1 $105,000 $105,000
1209.55 1 $205,000 $205,000
1209.6 1 $325,000 $325,000
1211.88 1 $135,000 $135,000
1214.89 1 $315,000 $315,000
1220.38 1 $185,000 $185,000
1224.07 1 $215,000 $215,000
1230.73 1 $225,000 $225,000
1231.56 1 $175,000 $175,000
1232.82 1 $195,000 $195,000
1236.11 1 $65,000 $65,000
1247.68 1 $225,000 $225,000
1251.61 1 $75,000 $75,000
1265.76 1 $275,000 $275,000
1268.4 1 $425,000 $425,000
1268.72 1 $245,000 $245,000
1279.91 1 $75,000 $75,000
1280.21 1 $225,000 $225,000
1283.47 1 $175,000 $175,000
1285.23 1 $195,000 $195,000
1286.35 1 $155,000 $155,000
1289.64 1 $105,000 $105,000
1291.86 1 $415,000 $415,000
1294.95 1 $95,000 $95,000
1298.85 1 $195,000 $195,000
1299.15 1 $195,000 $195,000
1300.25 1 $235,000 $235,000
1309.55 1 $305,000 $305,000
1314.15 1 $55,000 $55,000
1317.1 1 $145,000 $145,000
1317.39 1 $275,000 $275,000
1319.12 1 $255,000 $255,000
1320.88 1 $205,000 $205,000
1323.79 1 $265,000 $265,000
1324.47 1 $75,000 $75,000
1325.37 1 $75,000 $75,000
1327.7 1 $115,000 $115,000
1328.8 1 $95,000 $95,000
1331.56 1 $235,000 $235,000
1331.77 1 $115,000 $115,000
1338.7 1 $365,000 $365,000
1342.22 1 $305,000 $305,000
1354.5 1 $445,000 $445,000
1360.56 1 $145,000 $145,000
1362.58 1 $265,000 $265,000
1375.53 1 $165,000 $165,000
1385.14 1 $35,000 $35,000
1385.16 1 $345,000 $345,000
1393.06 1 $145,000 $145,000
1394.14 1 $55,000 $55,000
1399.17 1 $315,000 $315,000
1403.85 1 $275,000 $275,000
1405.11 1 $415,000 $415,000
1407.0 1 $115,000 $115,000
1407.39 1 $295,000 $295,000
1408.23 1 $355,000 $355,000
1412.46 1 $95,000 $95,000
1416.28 1 $185,000 $185,000
1420.4 1 $75,000 $75,000
1427.58 1 $285,000 $285,000
1430.7 1 $325,000 $325,000
1432.98 1 $75,000 $75,000
1441.04 1 $325,000 $325,000
145000.77 1 $255,000 $255,000
1450.43 1 $125,000 $125,000
1451.08 1 $55,000 $55,000
1454.5 1 $285,000 $285,000
1457.3 1 $375,000 $375,000
1463.47 1 $545,000 $545,000
1479.5 1 $525,000 $525,000
1479.52 1 $95,000 $95,000
1479.55 1 $75,000 $75,000
1479.94 1 $115,000 $115,000
1481.44 1 $185,000 $185,000
1481.98 1 $55,000 $55,000
1490.99 1 $95,000 $95,000
1492.01 1 $75,000 $75,000
1497.19 1 $75,000 $75,000
1498.34 1 $185,000 $185,000
1502.45 1 $345,000 $345,000
1509.3 1 $415,000 $415,000
1509.6 1 $185,000 $185,000
151.15 1 $105,000 $105,000
1511.91 1 $115,000 $115,000
1512.41 1 $255,000 $255,000
1517.08 1 $105,000 $105,000
1521.7 1 $155,000 $155,000
1524.16 1 $155,000 $155,000
1526.34 1 $255,000 $255,000
1527.27 1 $235,000 $235,000
1528.81 1 $65,000 $65,000
1536.61 1 $165,000 $165,000
1553.18 1 $45,000 $45,000
1574.51 1 $225,000 $225,000
1574.84 1 $95,000 $95,000
1582.0 1 $485,000 $485,000
1583.7 1 $85,000 $85,000
1586.31 1 $65,000 $65,000
1588.68 1 $405,000 $405,000
1601.59 1 $195,000 $195,000
1604.46 1 $125,000 $125,000
1605.87 1 $235,000 $235,000
1607.24 1 $255,000 $255,000
1614.45 1 $75,000 $75,000
1614.54 1 $325,000 $325,000
1614.97 1 $365,000 $365,000
1632.24 1 $125,000 $125,000
1638.94 1 $525,000 $525,000
1642.69 1 $75,000 $75,000
1644.56 1 $375,000 $375,000
1649.35 1 $65,000 $65,000
1659.36 1 $185,000 $185,000
1668.66 1 $175,000 $175,000
1676.34 1 $245,000 $245,000
1680.05 1 $95,000 $95,000
1680.45 1 $515,000 $515,000
1685.93 1 $445,000 $445,000
1718.62 1 $85,000 $85,000
1731.46 1 $225,000 $225,000
1732.68 1 $135,000 $135,000
1732.88 1 $85,000 $85,000
1735.6 1 $45,000 $45,000
1744.07 1 $55,000 $55,000
1748.84 1 $75,000 $75,000
1750.61 1 $175,000 $175,000
1753.82 1 $215,000 $215,000
1757.22 1 $105,000 $105,000
1761.63 1 $105,000 $105,000
1768.6 1 $75,000 $75,000
1775.34 1 $365,000 $365,000
1777.92 1 $65,000 $65,000
1785.27 1 $55,000 $55,000
1786.01 1 $425,000 $425,000
1789.0 1 $65,000 $65,000
1790.56 1 $125,000 $125,000
1792.29 1 $285,000 $285,000
1806.74 1 $105,000 $105,000
1807.77 1 $225,000 $225,000
1812.71 1 $85,000 $85,000
1821.43 1 $165,000 $165,000
1823.38 1 $255,000 $255,000
1823.56 1 $75,000 $75,000
1824.95 1 $315,000 $315,000
1831.75 1 $195,000 $195,000
1839.11 1 $165,000 $165,000
1839.34 1 $95,000 $95,000
1849.25 1 $65,000 $65,000
1851.47 1 $95,000 $95,000
1858.64 1 $205,000 $205,000
1863.74 1 $205,000 $205,000
1870.51 1 $155,000 $155,000
1872.29 1 $115,000 $115,000
1873.55 1 $285,000 $285,000
1876.75 1 $85,000 $85,000
1885.99 1 $205,000 $205,000
1887.6 1 $255,000 $255,000
1898.97 1 $285,000 $285,000
1905.61 1 $75,000 $75,000
1910.04 1 $245,000 $245,000
1910.41 1 $125,000 $125,000
1912.53 1 $435,000 $435,000
1914.55 1 $115,000 $115,000
1915.77 1 $235,000 $235,000
1916.28 1 $185,000 $185,000
1917.26 1 $795,000 $795,000
1922.08 1 $125,000 $125,000
1923.31 1 $35,000 $35,000
1932.3 1 $85,000 $85,000
1932.32 1 $145,000 $145,000
1933.0 1 $65,000 $65,000
1935.36 1 $505,000 $505,000
1939.09 1 $75,000 $75,000
1941.2 1 $95,000 $95,000
1942.52 1 $105,000 $105,000
1960.38 1 $165,000 $165,000
1969.54 1 $175,000 $175,000
1977.28 1 $115,000 $115,000
1979.73 1 $95,000 $95,000
1982.24 1 $145,000 $145,000
2004.2 1 $135,000 $135,000
2005.7 1 $355,000 $355,000
2009.85 1 $305,000 $305,000
2011.98 1 $65,000 $65,000
2014.93 1 $55,000 $55,000
2015.42 1 $105,000 $105,000
2018.33 1 $85,000 $85,000
2036.85 1 $175,000 $175,000
2037.89 1 $105,000 $105,000
2041.45 1 $245,000 $245,000
2049.23 1 $125,000 $125,000
2072.01 1 $95,000 $95,000
2074.65 1 $145,000 $145,000
2091.13 1 $155,000 $155,000
2101.28 1 $165,000 $165,000
2105.15 1 $105,000 $105,000
2105.45 1 $135,000 $135,000
2133.8 1 $375,000 $375,000
2148.87 1 $145,000 $145,000
21549.4 1 $115,000 $115,000
2161.64 1 $105,000 $105,000
2174.32 1 $65,000 $65,000
2196.46 1 $335,000 $335,000
2202.51 1 $95,000 $95,000
2204.68 1 $185,000 $185,000
2207.37 1 $195,000 $195,000
2213.9 1 $125,000 $125,000
2233.38 1 $75,000 $75,000
2244.4 1 $85,000 $85,000
2253.09 1 $115,000 $115,000
2263.32 1 $195,000 $195,000
2265.72 1 $95,000 $95,000
2265.88 1 $105,000 $105,000
2298.26 1 $485,000 $485,000
2309.8 1 $235,000 $235,000
2311.44 1 $155,000 $155,000
2319.6 1 $205,000 $205,000
2335.79 1 $135,000 $135,000
2336.84 1 $145,000 $145,000
2341.05 1 $195,000 $195,000
2342.47 1 $65,000 $65,000
2345.21 1 $205,000 $205,000
2355.07 1 $125,000 $125,000
2356.5 1 $115,000 $115,000
2356.82 1 $275,000 $275,000
2381.43 1 $115,000 $115,000
2392.77 1 $155,000 $155,000
2407.46 1 $335,000 $335,000
2456.76 1 $355,000 $355,000
2456.82 1 $135,000 $135,000
2465.18 1 $195,000 $195,000
249.33 1 $65,000 $65,000
2495.93 1 $175,000 $175,000
2514.08 1 $165,000 $165,000
2514.35 1 $65,000 $65,000
2540.83 1 $75,000 $75,000
2544.71 1 $185,000 $185,000
2562.72 1 $225,000 $225,000
2564.12 1 $125,000 $125,000
2567.61 1 $395,000 $395,000
2574.12 1 $95,000 $95,000
2574.84 1 $135,000 $135,000
2595.62 1 $95,000 $95,000
2600.96 1 $55,000 $55,000
2601.96 1 $95,000 $95,000
2616.86 1 $355,000 $355,000
2618.44 1 $165,000 $165,000
2666.27 1 $145,000 $145,000
2668.1 1 $125,000 $125,000
2673.23 1 $145,000 $145,000
2674.6 1 $145,000 $145,000
2676.8 1 $115,000 $115,000
2678.41 1 $145,000 $145,000
2681.32 1 $125,000 $125,000
2699.54 1 $165,000 $165,000
2701.99 1 $165,000 $165,000
2703.67 1 $295,000 $295,000
2722.97 1 $165,000 $165,000
2735.32 1 $215,000 $215,000
2743.43 1 $145,000 $145,000
2749.33 1 $165,000 $165,000
2765.28 1 $235,000 $235,000
2765.52 1 $125,000 $125,000
2766.97 1 $155,000 $155,000
2772.64 1 $135,000 $135,000
2779.36 1 $345,000 $345,000
2783.41 1 $135,000 $135,000
2783.45 1 $165,000 $165,000
2785.46 1 $165,000 $165,000
2806.07 1 $415,000 $415,000
2809.59 1 $425,000 $425,000
2822.82 1 $195,000 $195,000
2845.57 1 $115,000 $115,000
2853.34 1 $185,000 $185,000
2864.9 1 $125,000 $125,000
288.72 1 $55,000 $55,000
2903.22 1 $145,000 $145,000
2954.0 1 $165,000 $165,000
295.96 1 $115,000 $115,000
2960.72 1 $225,000 $225,000
2960.85 1 $175,000 $175,000
2976.12 1 $125,000 $125,000
2982.47 1 $115,000 $115,000
299.41 1 $105,000 $105,000
3021.24 1 $85,000 $85,000
3022.08 1 $135,000 $135,000
3024.18 1 $125,000 $125,000
3053.71 1 $125,000 $125,000
308.48 1 $85,000 $85,000
3090.96 1 $165,000 $165,000
3093.55 1 $235,000 $235,000
3110.64 1 $165,000 $165,000
3116.4 1 $205,000 $205,000
3125.54 1 $145,000 $145,000
3173.9 1 $155,000 $155,000
3179.88 1 $95,000 $95,000
3211.29 1 $285,000 $285,000
3212.34 1 $155,000 $155,000
324.7 1 $95,000 $95,000
3254.35 1 $205,000 $205,000
3257.39 1 $145,000 $145,000
3266.75 1 $195,000 $195,000
3271.81 1 $195,000 $195,000
3294.18 1 $135,000 $135,000
3294.38 1 $375,000 $375,000
3296.5 1 $215,000 $215,000
3300.23 1 $235,000 $235,000
330.93 1 $175,000 $175,000
3314.59 1 $225,000 $225,000
3314.63 1 $385,000 $385,000
3316.98 1 $75,000 $75,000
3319.89 1 $125,000 $125,000
3346.46 1 $135,000 $135,000
3347.26 1 $165,000 $165,000
337.09 1 $125,000 $125,000
3376.83 1 $225,000 $225,000
3391.0 1 $255,000 $255,000
3405.83 1 $155,000 $155,000
3447.37 1 $115,000 $115,000
3458.42 1 $185,000 $185,000
3460.3 1 $235,000 $235,000
3471.45 1 $135,000 $135,000
3472.27 1 $235,000 $235,000
3517.2 1 $225,000 $225,000
3554.61 1 $145,000 $145,000
3574.51 1 $145,000 $145,000
3576.93 1 $205,000 $205,000
3587.32 1 $205,000 $205,000
3595.87 1 $205,000 $205,000
361.33 1 $65,000 $65,000
3613.82 1 $175,000 $175,000
3647.82 1 $165,000 $165,000
367.25 1 $75,000 $75,000
3672.99 1 $175,000 $175,000
373.82 1 $75,000 $75,000
3765.58 1 $185,000 $185,000
3780.8 1 $445,000 $445,000
3827.78 1 $215,000 $215,000
3903.9 1 $135,000 $135,000
390.69 1 $335,000 $335,000
3917.74 1 $255,000 $255,000
3919.65 1 $215,000 $215,000
392.23 1 $75,000 $75,000
3985.71 1 $355,000 $355,000
4044.11 1 $225,000 $225,000
4053.17 1 $285,000 $285,000
4075.14 1 $165,000 $165,000
413.5 1 $985,000 $985,000
4200.68 1 $215,000 $215,000
4236.94 1 $195,000 $195,000
4243.04 1 $185,000 $185,000
4254.6 1 $155,000 $155,000
4279.25 1 $255,000 $255,000
4332.94 1 $395,000 $395,000
435.59 1 $205,000 $205,000
4376.46 1 $285,000 $285,000
4470.67 1 $145,000 $145,000
4494.6 1 $205,000 $205,000
4500.91 1 $295,000 $295,000
4504.8 1 $355,000 $355,000
452.56 1 $245,000 $245,000
4656.22 1 $325,000 $325,000
4683.47 1 $185,000 $185,000
4691.66 1 $155,000 $155,000
4770.27 1 $255,000 $255,000
4773.29 1 $205,000 $205,000
4833.61 1 $235,000 $235,000
4851.75 1 $355,000 $355,000
4933.17 1 $365,000 $365,000
497.27 1 $355,000 $355,000
4991.24 1 $265,000 $265,000
518.26 1 $145,000 $145,000
5220.88 1 $315,000 $315,000
5245.2 1 $185,000 $185,000
524.63 1 $65,000 $65,000
526.57 1 $55,000 $55,000
529.17 1 $45,000 $45,000
534.22 1 $125,000 $125,000
537.31 1 $135,000 $135,000
538.4 1 $225,000 $225,000
542.31 1 $145,000 $145,000
5433.16 1 $305,000 $305,000
550.15 1 $135,000 $135,000
5507.0 1 $55,000 $55,000
555.29 1 $85,000 $85,000
557.29 1 $135,000 $135,000
5604.04 1 $295,000 $295,000
571.48 1 $225,000 $225,000
574.15 1 $155,000 $155,000
5754.52 1 $315,000 $315,000
577.99 1 $65,000 $65,000
5833.79 1 $225,000 $225,000
596.25 1 $195,000 $195,000
596.82 1 $45,000 $45,000
6013.44 1 $265,000 $265,000
606.87 1 $35,000 $35,000
608.11 1 $75,000 $75,000
608.7 1 $165,000 $165,000
609.23 1 $85,000 $85,000
609.57 1 $145,000 $145,000
611.82 1 $135,000 $135,000
612.14 1 $115,000 $115,000
6169.02 1 $425,000 $425,000
6205.23 1 $355,000 $355,000
624.33 1 $95,000 $95,000
626.31 1 $95,000 $95,000
626.33 1 $105,000 $105,000
6265.41 1 $425,000 $425,000
632.59 1 $145,000 $145,000
633.41 1 $145,000 $145,000
6340.4 1 $165,000 $165,000
6410.45 1 $335,000 $335,000
643.23 1 $135,000 $135,000
645.17 1 $165,000 $165,000
645.42 1 $205,000 $205,000
656.12 1 $155,000 $155,000
656.18 1 $155,000 $155,000
656.33 1 $105,000 $105,000
657.15 1 $165,000 $165,000
657.5 1 $85,000 $85,000
663.65 1 $125,000 $125,000
667.4 1 $55,000 $55,000
668.33 1 $105,000 $105,000
671.38 1 $165,000 $165,000
672.55 2 $420,000 $210,000
674.71 1 $205,000 $205,000
675.18 1 $125,000 $125,000
676.3 1 $145,000 $145,000
681.28 1 $135,000 $135,000
685.56 1 $25,000 $25,000
685.88 1 $205,000 $205,000
687.26 1 $325,000 $325,000
689.27 1 $55,000 $55,000
690.69 1 $55,000 $55,000
693.0 1 $135,000 $135,000
694.84 1 $105,000 $105,000
696.51 1 $95,000 $95,000
696.72 1 $125,000 $125,000
698.18 1 $75,000 $75,000
6985.93 1 $335,000 $335,000
706.17 1 $65,000 $65,000
706.99 1 $125,000 $125,000
709.85 1 $105,000 $105,000
710.06 1 $55,000 $55,000
710.43 1 $65,000 $65,000
711.74 1 $135,000 $135,000
712.82 1 $265,000 $265,000
715.35 1 $235,000 $235,000
715.72 1 $265,000 $265,000
716.42 1 $135,000 $135,000
716.62 1 $465,000 $465,000
717.89 1 $75,000 $75,000
719.17 1 $95,000 $95,000
719.65 1 $85,000 $85,000
723.67 1 $335,000 $335,000
723.86 1 $85,000 $85,000
724.78 1 $75,000 $75,000
724.92 1 $75,000 $75,000
7278.68 1 $145,000 $145,000
728.25 1 $185,000 $185,000
728.37 1 $35,000 $35,000
733.04 1 $75,000 $75,000
733.21 1 $75,000 $75,000
7344.23 1 $275,000 $275,000
735.65 1 $195,000 $195,000
735.77 1 $65,000 $65,000
735.93 1 $105,000 $105,000
736.22 1 $135,000 $135,000
737.05 1 $115,000 $115,000
737.39 1 $155,000 $155,000
738.91 1 $65,000 $65,000
740.06 1 $185,000 $185,000
742.13 1 $85,000 $85,000
743.13 1 $175,000 $175,000
744.88 1 $105,000 $105,000
745.38 1 $115,000 $115,000
746.05 1 $115,000 $115,000
747.17 1 $125,000 $125,000
747.66 1 $105,000 $105,000
747.91 1 $85,000 $85,000
749.04 1 $95,000 $95,000
749.12 1 $345,000 $345,000
749.56 1 $205,000 $205,000
749.94 1 $305,000 $305,000
750.07 1 $115,000 $115,000
750.25 1 $135,000 $135,000
750.29 1 $25,000 $25,000
750.4 1 $75,000 $75,000
751.23 1 $315,000 $315,000
751.53 1 $405,000 $405,000
751.58 1 $165,000 $165,000
751.72 1 $205,000 $205,000
753.06 1 $155,000 $155,000
754.24 1 $115,000 $115,000
754.78 1 $135,000 $135,000
756.18 1 $65,000 $65,000
756.19 1 $45,000 $45,000
761.49 1 $125,000 $125,000
761.85 1 $235,000 $235,000
762.21 1 $95,000 $95,000
763.08 1 $105,000 $105,000
764.41 1 $125,000 $125,000
765.82 1 $55,000 $55,000
766.37 1 $75,000 $75,000
766.57 1 $235,000 $235,000
766.92 1 $155,000 $155,000
767.85 1 $125,000 $125,000
768.46 1 $125,000 $125,000
768.58 1 $695,000 $695,000
768.97 1 $215,000 $215,000
771.52 1 $155,000 $155,000
771.71 1 $205,000 $205,000
772.45 1 $55,000 $55,000
773.24 1 $55,000 $55,000
774.03 1 $95,000 $95,000
775.29 1 $165,000 $165,000
775.32 1 $45,000 $45,000
776.35 1 $65,000 $65,000
777.2 2 $180,000 $90,000
777.65 1 $115,000 $115,000
779.09 1 $175,000 $175,000
781.4 1 $145,000 $145,000
785.46 1 $175,000 $175,000
786.22 1 $65,000 $65,000
786.96 1 $145,000 $145,000
788.32 1 $125,000 $125,000
789.48 1 $115,000 $115,000
789.61 1 $65,000 $65,000
789.95 1 $115,000 $115,000
790.11 1 $175,000 $175,000
792.93 1 $285,000 $285,000
793.01 1 $105,000 $105,000
793.11 1 $135,000 $135,000
793.14 1 $185,000 $185,000
794.52 1 $285,000 $285,000
794.98 1 $145,000 $145,000
795.94 1 $135,000 $135,000
799.22 1 $155,000 $155,000
800.94 1 $65,000 $65,000
801.25 1 $85,000 $85,000
801.69 1 $105,000 $105,000
803.14 1 $95,000 $95,000
803.24 1 $305,000 $305,000
804.73 1 $85,000 $85,000
808.52 1 $205,000 $205,000
808.82 1 $155,000 $155,000
810.59 1 $85,000 $85,000
810.72 1 $145,000 $145,000
811.3 1 $75,000 $75,000
812.31 1 $115,000 $115,000
812.6 1 $355,000 $355,000
813.45 1 $125,000 $125,000
814.11 1 $165,000 $165,000
815.19 1 $85,000 $85,000
815.36 1 $95,000 $95,000
816.35 1 $105,000 $105,000
816.49 1 $185,000 $185,000
817.44 1 $125,000 $125,000
818.44 1 $235,000 $235,000
821.12 1 $75,000 $75,000
821.36 1 $45,000 $45,000
822.76 1 $85,000 $85,000
823.41 1 $115,000 $115,000
823.71 1 $105,000 $105,000
824.14 1 $95,000 $95,000
824.28 1 $105,000 $105,000
824.35 1 $95,000 $95,000
825.93 1 $75,000 $75,000
826.86 1 $125,000 $125,000
828.79 1 $265,000 $265,000
828.93 1 $245,000 $245,000
829.13 1 $55,000 $55,000
829.87 1 $105,000 $105,000
830.62 1 $255,000 $255,000
830.77 1 $105,000 $105,000
830.89 1 $85,000 $85,000
832.09 1 $255,000 $255,000
832.44 1 $135,000 $135,000
834.94 1 $85,000 $85,000
837.33 1 $85,000 $85,000
838.0 1 $145,000 $145,000
839.35 1 $125,000 $125,000
840.71 1 $95,000 $95,000
843.74 1 $105,000 $105,000
844.12 1 $85,000 $85,000
845.53 1 $55,000 $55,000
845.54 1 $125,000 $125,000
845.7 1 $125,000 $125,000
846.02 1 $125,000 $125,000
847.39 1 $155,000 $155,000
849.83 1 $325,000 $325,000
850.18 1 $155,000 $155,000
851.41 1 $135,000 $135,000
851.5 1 $225,000 $225,000
852.08 1 $145,000 $145,000
854.73 1 $75,000 $75,000
855.93 1 $85,000 $85,000
856.96 1 $95,000 $95,000
858.65 1 $225,000 $225,000
860.44 1 $65,000 $65,000
860.49 1 $265,000 $265,000
861.89 1 $225,000 $225,000
862.76 1 $55,000 $55,000
863.01 1 $185,000 $185,000
863.58 1 $105,000 $105,000
863.78 1 $95,000 $95,000
865.52 1 $125,000 $125,000
867.44 1 $105,000 $105,000
868.23 1 $195,000 $195,000
869.43 1 $65,000 $65,000
870.19 1 $95,000 $95,000
870.31 1 $135,000 $135,000
870.59 1 $125,000 $125,000
871.05 1 $215,000 $215,000
875.95 1 $135,000 $135,000
876.21 1 $175,000 $175,000
878.64 1 $215,000 $215,000
879.19 1 $195,000 $195,000
884.42 1 $135,000 $135,000
885.52 1 $95,000 $95,000
885.72 1 $125,000 $125,000
886.41 1 $105,000 $105,000
887.04 1 $165,000 $165,000
887.39 1 $75,000 $75,000
888.62 1 $125,000 $125,000
889.4 1 $145,000 $145,000
889.73 1 $85,000 $85,000
892.2 1 $125,000 $125,000
892.25 1 $185,000 $185,000
892.68 1 $105,000 $105,000
893.88 1 $105,000 $105,000
895.11 1 $75,000 $75,000
895.21 1 $165,000 $165,000
898.3 1 $215,000 $215,000
898.32 1 $105,000 $105,000
900.32 1 $165,000 $165,000
900.54 1 $205,000 $205,000
9006.21 1 $265,000 $265,000
901.77 1 $135,000 $135,000
902.08 1 $175,000 $175,000
902.2 1 $125,000 $125,000
903.24 1 $155,000 $155,000
905.25 1 $115,000 $115,000
905.69 1 $155,000 $155,000
908.82 1 $225,000 $225,000
910.05 1 $225,000 $225,000
910.26 1 $195,000 $195,000
911.5 1 $145,000 $145,000
912.15 1 $115,000 $115,000
912.23 1 $125,000 $125,000
916.25 1 $235,000 $235,000
918.05 1 $75,000 $75,000
918.24 1 $345,000 $345,000
918.54 1 $105,000 $105,000
920.61 1 $165,000 $165,000
921.34 1 $65,000 $65,000
921.84 1 $415,000 $415,000
923.4 1 $125,000 $125,000
924.56 1 $165,000 $165,000
924.81 1 $235,000 $235,000
925.53 1 $215,000 $215,000
925.87 1 $275,000 $275,000
926.69 1 $145,000 $145,000
926.71 1 $95,000 $95,000
930.37 1 $65,000 $65,000
931.48 1 $255,000 $255,000
932.45 1 $205,000 $205,000
933.18 1 $205,000 $205,000
933.52 1 $175,000 $175,000
934.81 1 $105,000 $105,000
936.34 1 $205,000 $205,000
937.52 1 $115,000 $115,000
940.99 1 $75,000 $75,000
941.0 1 $105,000 $105,000
943.84 1 $165,000 $165,000
943.91 1 $125,000 $125,000
951.42 1 $85,000 $85,000
952.16 1 $115,000 $115,000
9547.24 1 $135,000 $135,000
955.55 1 $115,000 $115,000
955.79 1 $275,000 $275,000
956.45 1 $145,000 $145,000
956.53 1 $95,000 $95,000
956.94 1 $165,000 $165,000
958.95 1 $215,000 $215,000
959.18 1 $375,000 $375,000
963.94 1 $235,000 $235,000
966.09 1 $165,000 $165,000
967.58 1 $125,000 $125,000
970.39 1 $145,000 $145,000
970.75 1 $75,000 $75,000
972.9 1 $105,000 $105,000
973.23 1 $235,000 $235,000
973.36 1 $105,000 $105,000
973.48 1 $115,000 $115,000
977.33 1 $255,000 $255,000
978.31 1 $55,000 $55,000
979.81 1 $105,000 $105,000
981.8 1 $165,000 $165,000
981.86 1 $185,000 $185,000
982.3 1 $65,000 $65,000
9828.54 1 $455,000 $455,000
987.39 1 $145,000 $145,000
989.44 1 $205,000 $205,000
990.15 1 $205,000 $205,000
990.62 1 $115,000 $115,000
992.42 1 $135,000 $135,000
993.42 1 $125,000 $125,000
995.93 1 $105,000 $105,000
NA 22 $1,850,000 $84,091

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
821 $140,865,000 $171,577

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 41 $4,455,000 $108,659 $0 2.67%
40-60% 145 $20,795,000 $143,414 $0 2.84%
60-80% 396 $71,950,000 $181,692 $0 2.96%
80-100% 218 $42,290,000 $193,991 $0 3.04%
Under 20% 4 $190,000 $47,500 $0 2.63%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
Direct Mortgage, Corp. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 33.3%
Direct Mortgage, Corp. Conventional home mortgage Trouble during payment process 2 66.7%