Directions Credit Union Mortgage Rates, Fees & Info

Toledo, OH

LEI: 254900UHFHT3IWKY8K19

Tax ID: 34-4475249

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Directions Credit Union is a smaller credit union specializing in Home Purchase and Refi loans. Directions Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Toledo, Monroe, Mansfield, Adrian, and Wooster among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)

Directions Credit Union has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.31% 12/4/24
30 Year Conventional Purchase 7.31% 12/4/24
30 Year Conventional Refi 8.32% 12/4/24
30 Year Cash-out Refi 7.19% 12/4/24
15 Year Conventional Purchase 6.30% 12/4/24
15 Year Conventional Refi 6.70% 12/4/24
15 Year Cash-out Refi 6.70% 12/4/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Directions Credit Union Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Directions Credit Union. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

491

Origination Dollar Volume (All Markets)

$76,595,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
TOLEDO, OH (FHA|USDA|VA) 306 $48,830,000 $159,575 $0 3.95%
MONROE, MI (FHA|USDA|VA) 86 $14,440,000 $167,907 $0 4.03%
MANSFIELD, OH (FHA|USDA|VA) 47 $5,075,000 $107,979 $0 4.04%
Adrian, MI (FHA|USDA|VA) 5 $1,655,000 $331,000 $0 3.44%
Wooster, OH (FHA|USDA|VA) 13 $1,405,000 $108,077 $0 3.88%
Ashland, OH (FHA|USDA|VA) 9 $995,000 $110,556 $0 3.76%
Norwalk, OH (FHA|USDA|VA) 7 $805,000 $115,000 $0 3.82%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $755,000 $755,000 $0 3.10%
Outside of Metro Areas 2 $360,000 $180,000 $0 4.38%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $295,000 $295,000 $0 3.25%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.50%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.38%
Findlay, OH (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.25%
COLUMBUS, OH (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.75%
Hillsdale, MI (FHA|USDA|VA) 2 $190,000 $95,000 $0 4.25%
ANN ARBOR, MI (FHA|USDA|VA) 1 $175,000 $175,000 $0 3.38%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.63%
Mount Vernon, OH (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.25%
Sandusky, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.75%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $115,000 $115,000 $0 4.00%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.75%
Van Wert, OH (FHA|USDA|VA) 1 $55,000 $55,000 $0 5.00%
Traverse City, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 3.38%
Directions Credit Union's top markets include Toledo, Monroe, Mansfield, Adrian, and Wooster among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Directions Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Bay Area Credit Union, Inc.
    Similarity Rank: 13
    Mechanics Bank
    Similarity Rank: 20
    JEEP COUNTRY
    Similarity Rank: 78
    TLC COMMUNITY Credit Union
    Similarity Rank: 196
    First National Bank of Bellevue
    Similarity Rank: 380
    POLARIS HOME FUNDING CORP.
    Similarity Rank: 418
    STAUNTON FINANCIAL, INC.
    Similarity Rank: 558

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 491 $76,595,000 $155,998 $0 3.96%

    For 2019, Directions Credit Union's most frequently originated type of loan was Conventional, with 491 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 259 $40,385,000 $155,927 $0 4.09%
    Refi 223 $34,335,000 $153,969 $0 3.80%
    Home Improvement 9 $1,875,000 $208,333 $0 0.00%

    For 2019, Directions Credit Union's most frequently cited loan purpose was Home Purchase, with 259 originations. The 2nd most popular reason was Refi, with 223 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 342 $56,820,000 $166,140 $0 4.08%
    15 Year 80 $10,980,000 $137,250 $0 3.53%
    20 Year 41 $5,375,000 $131,098 $0 3.82%
    10 Year 12 $1,240,000 $103,333 $0 3.51%
    Other 9 $1,875,000 $208,333 $0 0.00%
    3 Year 7 $305,000 $43,571 $0 4.25%

    For 2019, Directions Credit Union's most frequently cited loan duration was 30 Year, with 342 originations. The 2nd most popular length was 15 Year, with 80 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 177 $25,515,000 $144,153
    $5k+ 1 $215,000 $215,000

    Directions Credit Union's average total fees were $0, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 177 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 332 $53,650,000 $161,596
    4-5% 140 $19,580,000 $139,857
    5-6% 8 $1,050,000 $131,250
    2.5-3% 2 $440,000 $220,000

    During 2019, Directions Credit Union's average interest rate for loans was 4.08%, while their most frequently originated rate bucket for loans was 3-4%, with 332 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 248 $35,190,000 $141,895 $0 3.94%
    $100,000 or less 128 $8,630,000 $67,422 $0 4.06%
    $200k-400k 103 $26,035,000 $252,767 $0 3.88%
    $400k-600k 8 $3,570,000 $446,250 $0 4.05%
    $600k-1MM 3 $2,085,000 $695,000 $0 3.62%
    $1MM+ 1 $1,085,000 $1,085,000 $0 0.00%

    2019 saw Directions Credit Union place emphasis on $100k-200k loans with 248 originations, totaling $35,190,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 120 $15,520,000 $129,333 $0 4.00%
    $100k-150k 112 $20,730,000 $185,089 $0 3.87%
    $50k or less 100 $9,020,000 $90,200 $0 4.05%
    $75k-100k 90 $12,990,000 $144,333 $0 3.99%
    $150k-250k 50 $12,090,000 $241,800 $0 3.85%
    $250k+ 19 $6,245,000 $328,684 $0 3.85%

    Directions Credit Union lent most frequently to those with incomes in the $50k-75k range, with 120 originations. The second most popular income band? $100k-150k, with 112 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 165 $26,505,000 $160,636 $0 3.96%
    <20% 83 $11,425,000 $137,651 $0 3.87%
    30-36% 80 $12,370,000 $154,625 $0 4.04%
    42% 18 $2,850,000 $158,333 $0 3.94%
    38% 18 $3,380,000 $187,778 $0 3.97%
    39% 17 $2,375,000 $139,706 $0 4.13%
    37% 17 $2,305,000 $135,588 $0 3.89%
    41% 13 $1,595,000 $122,692 $0 3.82%
    43% 11 $2,565,000 $233,182 $0 4.06%
    36% 9 $1,555,000 $172,778 $0 3.78%
    47% 8 $1,350,000 $168,750 $0 3.81%
    44% 8 $630,000 $78,750 $0 4.09%
    46% 8 $1,560,000 $195,000 $0 4.14%
    45% 7 $1,745,000 $249,286 $0 3.66%
    40% 6 $590,000 $98,333 $0 4.04%
    49% 5 $785,000 $157,000 $0 3.78%
    >60% 3 $565,000 $188,333 $0 4.04%
    50-60% 3 $305,000 $101,667 $0 4.08%
    48% 1 $115,000 $115,000 $0 3.88%

    Directions Credit Union lent most frequently to those with DTI ratios of 20-30%, with 165 originations. The next most common DTI ratio? <20%, with 83 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 455 $70,205,000 $154,297 $0 3.96%
    Not provided 21 $4,005,000 $190,714 $0 3.86%
    Black 8 $1,200,000 $150,000 $0 4.06%
    Asian 6 $1,030,000 $171,667 $0 3.65%
    American Indian 1 $155,000 $155,000 $0 4.38%

    Approval Rates

    Total approvals of all applications
    90.34%

    Directions Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    85.13%

    Directions Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    1003.85 1 $305,000 $305,000
    1013.81 1 $125,000 $125,000
    1024.51 1 $55,000 $55,000
    1026.62 1 $85,000 $85,000
    1027.37 1 $55,000 $55,000
    1035.07 1 $115,000 $115,000
    1042.89 1 $75,000 $75,000
    1047.29 1 $95,000 $95,000
    1058.47 1 $155,000 $155,000
    1062.48 1 $205,000 $205,000
    1071.87 1 $195,000 $195,000
    1082.9 1 $125,000 $125,000
    1084.49 1 $155,000 $155,000
    1084.95 1 $175,000 $175,000
    1091.6 1 $125,000 $125,000
    1095.9 1 $195,000 $195,000
    1100.73 1 $85,000 $85,000
    1101.51 1 $185,000 $185,000
    1103.86 1 $55,000 $55,000
    1110.85 1 $145,000 $145,000
    1116.43 1 $135,000 $135,000
    1123.66 1 $55,000 $55,000
    1124.43 1 $175,000 $175,000
    1130.56 1 $145,000 $145,000
    1147.86 1 $125,000 $125,000
    1155.73 1 $155,000 $155,000
    1164.77 1 $175,000 $175,000
    1171.34 1 $225,000 $225,000
    1176.83 1 $205,000 $205,000
    1184.66 1 $125,000 $125,000
    1196.89 1 $115,000 $115,000
    1197.73 1 $165,000 $165,000
    1200.75 1 $185,000 $185,000
    1207.52 1 $115,000 $115,000
    1210.7 1 $225,000 $225,000
    1211.53 1 $65,000 $65,000
    1229.46 1 $125,000 $125,000
    1233.62 1 $235,000 $235,000
    1234.56 1 $375,000 $375,000
    1239.09 1 $205,000 $205,000
    1273.92 1 $175,000 $175,000
    1275.57 1 $105,000 $105,000
    1278.49 1 $155,000 $155,000
    1286.33 1 $185,000 $185,000
    1297.14 1 $105,000 $105,000
    1300.97 1 $115,000 $115,000
    1306.05 1 $135,000 $135,000
    1306.86 1 $455,000 $455,000
    1309.29 1 $165,000 $165,000
    1323.14 1 $85,000 $85,000
    1337.98 1 $245,000 $245,000
    1356.26 1 $265,000 $265,000
    1363.74 1 $175,000 $175,000
    1364.36 1 $265,000 $265,000
    1384.69 1 $75,000 $75,000
    1389.35 1 $145,000 $145,000
    1394.99 1 $275,000 $275,000
    1396.62 1 $125,000 $125,000
    1396.77 1 $35,000 $35,000
    1397.21 1 $365,000 $365,000
    1415.05 1 $115,000 $115,000
    1415.23 1 $105,000 $105,000
    1420.25 1 $205,000 $205,000
    1420.81 1 $155,000 $155,000
    1432.42 1 $55,000 $55,000
    1443.8 1 $55,000 $55,000
    1447.87 1 $35,000 $35,000
    1466.31 1 $85,000 $85,000
    1499.46 1 $625,000 $625,000
    1510.05 1 $105,000 $105,000
    1513.68 1 $105,000 $105,000
    1519.88 1 $205,000 $205,000
    1523.04 1 $275,000 $275,000
    1531.66 1 $155,000 $155,000
    1551.37 1 $95,000 $95,000
    1551.72 1 $205,000 $205,000
    1552.62 1 $125,000 $125,000
    1572.01 1 $215,000 $215,000
    1581.22 1 $355,000 $355,000
    1587.91 1 $235,000 $235,000
    1598.58 1 $275,000 $275,000
    1623.63 1 $145,000 $145,000
    1628.43 1 $215,000 $215,000
    1632.09 1 $65,000 $65,000
    1643.37 1 $85,000 $85,000
    1667.63 1 $25,000 $25,000
    1673.73 1 $185,000 $185,000
    1706.73 1 $65,000 $65,000
    1712.5 1 $55,000 $55,000
    171.76 1 $185,000 $185,000
    1734.29 1 $75,000 $75,000
    176.92 1 $215,000 $215,000
    1797.19 1 $135,000 $135,000
    1824.03 1 $65,000 $65,000
    1836.6 1 $95,000 $95,000
    1862.62 1 $205,000 $205,000
    1867.79 1 $105,000 $105,000
    1868.18 1 $115,000 $115,000
    1882.55 1 $235,000 $235,000
    188.72 1 $205,000 $205,000
    189.85 1 $75,000 $75,000
    1903.86 1 $105,000 $105,000
    1928.63 1 $145,000 $145,000
    1946.15 1 $55,000 $55,000
    1949.12 1 $125,000 $125,000
    1990.36 1 $115,000 $115,000
    1991.98 1 $135,000 $135,000
    1998.27 1 $145,000 $145,000
    2020.33 1 $195,000 $195,000
    2027.08 1 $175,000 $175,000
    2032.52 1 $445,000 $445,000
    2036.55 1 $115,000 $115,000
    2042.25 1 $145,000 $145,000
    2049.48 1 $125,000 $125,000
    2072.59 1 $95,000 $95,000
    2077.67 1 $165,000 $165,000
    208.51 1 $115,000 $115,000
    2089.12 1 $55,000 $55,000
    2099.09 1 $485,000 $485,000
    2123.33 1 $125,000 $125,000
    213.75 1 $195,000 $195,000
    215.91 1 $105,000 $105,000
    2161.57 1 $75,000 $75,000
    2163.62 1 $185,000 $185,000
    2184.84 1 $385,000 $385,000
    2203.25 1 $165,000 $165,000
    2206.62 1 $115,000 $115,000
    223.37 1 $155,000 $155,000
    2244.15 1 $115,000 $115,000
    2249.7 1 $65,000 $65,000
    2251.78 1 $165,000 $165,000
    2257.96 1 $65,000 $65,000
    228.47 1 $375,000 $375,000
    228.77 1 $225,000 $225,000
    2304.53 1 $165,000 $165,000
    2313.31 1 $235,000 $235,000
    2340.32 1 $115,000 $115,000
    2341.18 1 $755,000 $755,000
    2342.49 1 $315,000 $315,000
    2342.95 1 $65,000 $65,000
    2347.65 1 $55,000 $55,000
    2348.14 1 $115,000 $115,000
    2356.46 1 $45,000 $45,000
    2360.98 1 $155,000 $155,000
    2367.56 1 $125,000 $125,000
    2378.8 1 $85,000 $85,000
    237.9 1 $205,000 $205,000
    239.35 1 $105,000 $105,000
    241.66 1 $165,000 $165,000
    2419.86 1 $125,000 $125,000
    2441.93 1 $115,000 $115,000
    2443.01 1 $65,000 $65,000
    2445.76 1 $135,000 $135,000
    2449.32 1 $125,000 $125,000
    2466.76 1 $175,000 $175,000
    2468.14 1 $95,000 $95,000
    247.02 1 $115,000 $115,000
    2472.61 1 $265,000 $265,000
    2488.05 1 $165,000 $165,000
    2506.66 1 $105,000 $105,000
    2514.35 1 $65,000 $65,000
    2529.93 1 $195,000 $195,000
    2545.62 1 $85,000 $85,000
    2581.61 1 $155,000 $155,000
    259.76 1 $45,000 $45,000
    260.77 1 $105,000 $105,000
    2612.96 1 $125,000 $125,000
    2619.74 1 $95,000 $95,000
    262.31 1 $75,000 $75,000
    2636.34 1 $225,000 $225,000
    263.97 1 $45,000 $45,000
    2643.17 1 $145,000 $145,000
    2663.81 1 $105,000 $105,000
    2684.28 1 $165,000 $165,000
    2690.06 1 $105,000 $105,000
    2702.3 1 $125,000 $125,000
    270.42 1 $115,000 $115,000
    270.99 1 $175,000 $175,000
    2710.5 1 $115,000 $115,000
    272.05 1 $215,000 $215,000
    2726.34 1 $155,000 $155,000
    274.07 1 $195,000 $195,000
    2743.38 1 $185,000 $185,000
    2746.9 1 $145,000 $145,000
    2758.04 1 $145,000 $145,000
    2763.5 1 $195,000 $195,000
    2788.07 1 $125,000 $125,000
    279.17 1 $155,000 $155,000
    280.14 1 $75,000 $75,000
    281.62 1 $55,000 $55,000
    2821.76 1 $135,000 $135,000
    283.2 1 $205,000 $205,000
    283.29 1 $115,000 $115,000
    283.39 1 $85,000 $85,000
    286.14 1 $165,000 $165,000
    286.19 1 $65,000 $65,000
    2864.65 1 $185,000 $185,000
    286.73 1 $115,000 $115,000
    2867.32 1 $95,000 $95,000
    289.85 1 $115,000 $115,000
    2910.92 1 $285,000 $285,000
    2915.73 1 $115,000 $115,000
    2918.49 1 $155,000 $155,000
    2918.59 1 $145,000 $145,000
    2932.29 1 $65,000 $65,000
    2944.45 1 $35,000 $35,000
    295.92 1 $115,000 $115,000
    2967.13 1 $185,000 $185,000
    301.26 1 $45,000 $45,000
    301.35 1 $115,000 $115,000
    304.6 1 $155,000 $155,000
    3085.81 1 $125,000 $125,000
    309.45 1 $65,000 $65,000
    3116.01 1 $125,000 $125,000
    311.64 1 $55,000 $55,000
    3127.75 1 $255,000 $255,000
    3129.91 1 $245,000 $245,000
    313.82 1 $255,000 $255,000
    3148.95 1 $105,000 $105,000
    3163.43 1 $215,000 $215,000
    317.38 1 $105,000 $105,000
    3179.76 1 $125,000 $125,000
    3193.91 1 $295,000 $295,000
    321.28 1 $75,000 $75,000
    3213.68 1 $145,000 $145,000
    3215.25 1 $205,000 $205,000
    321.9 1 $55,000 $55,000
    326.19 1 $195,000 $195,000
    330.82 1 $65,000 $65,000
    3334.97 1 $155,000 $155,000
    3336.91 1 $145,000 $145,000
    334.28 1 $125,000 $125,000
    3389.25 1 $235,000 $235,000
    340.22 1 $105,000 $105,000
    341.32 1 $65,000 $65,000
    3428.09 1 $175,000 $175,000
    3429.26 1 $205,000 $205,000
    343.74 1 $65,000 $65,000
    3444.96 1 $185,000 $185,000
    346.56 1 $85,000 $85,000
    3470.48 1 $185,000 $185,000
    3488.14 1 $135,000 $135,000
    348.96 1 $85,000 $85,000
    352.77 1 $75,000 $75,000
    353.54 1 $135,000 $135,000
    354.03 1 $185,000 $185,000
    3550.56 1 $145,000 $145,000
    357.07 1 $115,000 $115,000
    3575.63 1 $165,000 $165,000
    357.64 1 $75,000 $75,000
    357.86 1 $155,000 $155,000
    361.89 1 $95,000 $95,000
    361.93 1 $85,000 $85,000
    3674.9 1 $145,000 $145,000
    374.39 1 $455,000 $455,000
    375.6 1 $345,000 $345,000
    376.8 1 $65,000 $65,000
    381.38 1 $55,000 $55,000
    383.69 1 $105,000 $105,000
    3838.14 1 $205,000 $205,000
    383.87 1 $175,000 $175,000
    3847.76 1 $155,000 $155,000
    386.71 1 $115,000 $115,000
    3890.51 1 $255,000 $255,000
    3909.07 1 $175,000 $175,000
    3909.82 1 $275,000 $275,000
    3916.54 1 $145,000 $145,000
    395.09 1 $225,000 $225,000
    395.26 1 $45,000 $45,000
    395.32 1 $135,000 $135,000
    3981.96 1 $75,000 $75,000
    4003.06 1 $195,000 $195,000
    400.9 1 $75,000 $75,000
    402.95 1 $185,000 $185,000
    4035.94 1 $225,000 $225,000
    403.68 1 $135,000 $135,000
    404.19 1 $45,000 $45,000
    406.73 1 $95,000 $95,000
    408.46 1 $185,000 $185,000
    410.26 1 $55,000 $55,000
    4105.14 1 $245,000 $245,000
    413.6 1 $175,000 $175,000
    415.05 1 $155,000 $155,000
    415.23 1 $275,000 $275,000
    416.01 1 $175,000 $175,000
    418.17 1 $115,000 $115,000
    424.64 1 $65,000 $65,000
    4246.92 1 $245,000 $245,000
    426.91 1 $255,000 $255,000
    4277.86 1 $265,000 $265,000
    4332.19 1 $315,000 $315,000
    434.78 1 $105,000 $105,000
    437.45 1 $205,000 $205,000
    442.01 1 $115,000 $115,000
    442.65 1 $25,000 $25,000
    444.0 1 $215,000 $215,000
    445.08 1 $85,000 $85,000
    445.68 1 $415,000 $415,000
    447.46 1 $105,000 $105,000
    4549.17 1 $195,000 $195,000
    4553.41 1 $125,000 $125,000
    460.04 1 $225,000 $225,000
    4719.5 1 $175,000 $175,000
    472.61 1 $135,000 $135,000
    472.92 1 $95,000 $95,000
    4779.8 1 $225,000 $225,000
    484.24 1 $125,000 $125,000
    486.28 1 $145,000 $145,000
    4868.52 1 $385,000 $385,000
    4900.12 1 $235,000 $235,000
    491.83 1 $85,000 $85,000
    492.21 1 $55,000 $55,000
    495.53 1 $115,000 $115,000
    499.02 1 $145,000 $145,000
    4994.3 1 $275,000 $275,000
    500.46 1 $95,000 $95,000
    501.32 1 $135,000 $135,000
    503.9 1 $115,000 $115,000
    5041.4 1 $75,000 $75,000
    506.24 1 $185,000 $185,000
    509.67 1 $95,000 $95,000
    511.35 1 $105,000 $105,000
    513.82 1 $265,000 $265,000
    516.96 1 $145,000 $145,000
    517.0 1 $105,000 $105,000
    519.14 1 $155,000 $155,000
    521.14 1 $55,000 $55,000
    524.04 1 $105,000 $105,000
    526.35 1 $125,000 $125,000
    5278.52 1 $295,000 $295,000
    530.29 1 $105,000 $105,000
    5319.32 1 $155,000 $155,000
    535.6 1 $25,000 $25,000
    535.64 1 $155,000 $155,000
    536.32 1 $215,000 $215,000
    538.02 1 $275,000 $275,000
    539.62 1 $155,000 $155,000
    540.64 1 $125,000 $125,000
    543.26 1 $135,000 $135,000
    543.71 1 $115,000 $115,000
    5458.86 1 $255,000 $255,000
    546.11 1 $75,000 $75,000
    546.2 1 $235,000 $235,000
    547.46 1 $105,000 $105,000
    547.72 1 $175,000 $175,000
    550.39 1 $125,000 $125,000
    551.73 1 $75,000 $75,000
    555.23 1 $235,000 $235,000
    555.62 1 $55,000 $55,000
    556.57 1 $105,000 $105,000
    557.62 1 $35,000 $35,000
    5588.79 1 $105,000 $105,000
    561.14 1 $75,000 $75,000
    561.24 1 $135,000 $135,000
    563.89 1 $135,000 $135,000
    564.03 1 $125,000 $125,000
    564.08 1 $95,000 $95,000
    565.32 1 $135,000 $135,000
    56.6 1 $85,000 $85,000
    568.27 1 $105,000 $105,000
    571.52 1 $115,000 $115,000
    572.38 1 $245,000 $245,000
    5755.95 1 $175,000 $175,000
    581.46 1 $135,000 $135,000
    587.79 1 $125,000 $125,000
    588.92 1 $105,000 $105,000
    589.16 1 $95,000 $95,000
    593.11 1 $55,000 $55,000
    593.75 1 $125,000 $125,000
    596.08 1 $195,000 $195,000
    596.62 1 $145,000 $145,000
    597.24 1 $105,000 $105,000
    598.02 1 $225,000 $225,000
    606.74 1 $415,000 $415,000
    606.76 1 $415,000 $415,000
    607.2 1 $115,000 $115,000
    610.14 1 $135,000 $135,000
    615.08 1 $215,000 $215,000
    616.31 1 $165,000 $165,000
    617.75 1 $195,000 $195,000
    618.42 1 $115,000 $115,000
    619.71 1 $25,000 $25,000
    622.12 1 $125,000 $125,000
    623.03 1 $175,000 $175,000
    628.19 1 $255,000 $255,000
    6300.58 1 $225,000 $225,000
    633.47 1 $235,000 $235,000
    637.01 1 $45,000 $45,000
    638.79 1 $195,000 $195,000
    640.89 1 $205,000 $205,000
    6421.55 1 $285,000 $285,000
    642.28 1 $235,000 $235,000
    6426.92 1 $335,000 $335,000
    658.03 1 $205,000 $205,000
    658.36 1 $75,000 $75,000
    662.17 1 $135,000 $135,000
    6737.97 1 $345,000 $345,000
    67.6 1 $65,000 $65,000
    681.45 1 $215,000 $215,000
    684.16 1 $215,000 $215,000
    6863.03 1 $485,000 $485,000
    687.14 1 $225,000 $225,000
    6888.19 1 $215,000 $215,000
    689.13 1 $105,000 $105,000
    691.78 1 $175,000 $175,000
    6920.7 1 $155,000 $155,000
    693.45 1 $345,000 $345,000
    696.45 1 $105,000 $105,000
    696.49 1 $215,000 $215,000
    70.02 1 $205,000 $205,000
    701.76 1 $45,000 $45,000
    704.22 1 $35,000 $35,000
    705.95 1 $105,000 $105,000
    708.7 1 $165,000 $165,000
    710.81 1 $125,000 $125,000
    7129.33 1 $235,000 $235,000
    718.62 1 $95,000 $95,000
    723.86 1 $65,000 $65,000
    724.23 1 $65,000 $65,000
    735.32 1 $315,000 $315,000
    735.87 1 $85,000 $85,000
    744.71 1 $355,000 $355,000
    753.37 1 $195,000 $195,000
    765.18 1 $185,000 $185,000
    769.16 1 $115,000 $115,000
    774.13 1 $105,000 $105,000
    774.2 1 $55,000 $55,000
    782.02 1 $115,000 $115,000
    792.42 1 $155,000 $155,000
    793.04 1 $65,000 $65,000
    796.95 1 $145,000 $145,000
    802.51 1 $145,000 $145,000
    806.96 1 $125,000 $125,000
    808.35 1 $115,000 $115,000
    814.86 1 $165,000 $165,000
    819.47 1 $225,000 $225,000
    819.53 1 $155,000 $155,000
    821.61 1 $185,000 $185,000
    832.65 1 $65,000 $65,000
    833.95 1 $215,000 $215,000
    838.56 1 $35,000 $35,000
    841.86 1 $25,000 $25,000
    844.34 1 $135,000 $135,000
    845.6 1 $35,000 $35,000
    846.41 1 $85,000 $85,000
    861.85 1 $105,000 $105,000
    863.02 1 $115,000 $115,000
    868.16 1 $155,000 $155,000
    869.07 1 $705,000 $705,000
    878.92 1 $315,000 $315,000
    8796.49 1 $95,000 $95,000
    881.42 1 $155,000 $155,000
    882.51 1 $95,000 $95,000
    889.55 1 $75,000 $75,000
    890.58 1 $85,000 $85,000
    891.03 1 $235,000 $235,000
    894.48 1 $115,000 $115,000
    894.86 1 $65,000 $65,000
    895.27 1 $135,000 $135,000
    906.34 1 $255,000 $255,000
    914.33 1 $95,000 $95,000
    924.49 1 $95,000 $95,000
    935.08 1 $205,000 $205,000
    938.2 1 $265,000 $265,000
    940.05 1 $85,000 $85,000
    947.6 1 $165,000 $165,000
    948.49 1 $145,000 $145,000
    951.5 1 $265,000 $265,000
    957.96 1 $85,000 $85,000
    959.03 1 $125,000 $125,000
    959.4 1 $165,000 $165,000
    967.38 1 $85,000 $85,000
    969.05 1 $285,000 $285,000
    970.05 1 $95,000 $95,000
    971.66 1 $175,000 $175,000
    985.82 1 $105,000 $105,000
    986.82 1 $45,000 $45,000
    987.78 1 $135,000 $135,000
    993.82 1 $265,000 $265,000
    99.67 1 $195,000 $195,000
    996.94 1 $135,000 $135,000
    997.53 1 $35,000 $35,000
    NA 9 $1,875,000 $208,333

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $185,000 $185,000
    Single Family (1-4 Units):Manufactured 2 $210,000 $105,000
    Single Family (1-4 Units):Site-Built 488 $76,200,000 $156,148

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 22 $1,860,000 $84,545 $0 3.74%
    40-60% 63 $8,915,000 $141,508 $0 3.86%
    60-80% 226 $35,750,000 $158,186 $0 3.92%
    80-100% 170 $28,140,000 $165,529 $0 4.08%
    Under 20% 1 $55,000 $55,000 $0 4.00%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    DIRECT LENDERS LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%