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 Refi and Home Purchase loans. Directions Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Toledo, Monroe, Mansfield, Ashland, and Wooster among others. We have data for 43 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% 4/21/24
30 Year Conventional Purchase 7.31% 4/21/24
30 Year Conventional Refi 8.32% 4/21/24
30 Year Cash-out Refi 7.19% 4/21/24
15 Year Conventional Purchase 6.30% 4/21/24
15 Year Conventional Refi 6.70% 4/21/24
15 Year Cash-out Refi 6.70% 4/21/24
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

1,074

Origination Dollar Volume (All Markets)

$189,390,000

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) 633 $117,015,000 $184,858 $0 3.06%
MONROE, MI (FHA|USDA|VA) 194 $38,560,000 $198,763 $0 3.07%
MANSFIELD, OH (FHA|USDA|VA) 100 $10,510,000 $105,100 $0 3.04%
Ashland, OH (FHA|USDA|VA) 27 $3,075,000 $113,889 $0 3.02%
Wooster, OH (FHA|USDA|VA) 16 $2,180,000 $136,250 $0 3.13%
Adrian, MI (FHA|USDA|VA) 11 $2,155,000 $195,909 $0 3.00%
Outside of Metro Areas 12 $1,930,000 $160,833 $0 2.98%
COLUMBUS, OH (FHA|USDA|VA) 8 $1,470,000 $183,750 $0 3.19%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 6 $900,000 $150,000 $0 3.00%
Bucyrus-Galion, OH (FHA|USDA|VA) 10 $830,000 $83,000 $0 2.96%
ANN ARBOR, MI (FHA|USDA|VA) 2 $570,000 $285,000 $0 3.13%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $545,000 $109,000 $0 3.25%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $530,000 $265,000 $0 3.06%
Norwalk, OH (FHA|USDA|VA) 6 $520,000 $86,667 $0 3.27%
Hillsdale, MI (FHA|USDA|VA) 4 $510,000 $127,500 $0 2.81%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $495,000 $495,000 $0 3.00%
Plymouth, IN (FHA|USDA|VA) 1 $495,000 $495,000 $0 3.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $490,000 $245,000 $0 2.94%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $440,000 $220,000 $0 3.44%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $430,000 $215,000 $0 3.06%
AKRON, OH (FHA|USDA|VA) 2 $420,000 $210,000 $0 3.13%
Fremont, OH (FHA|USDA|VA) 2 $400,000 $200,000 $0 3.00%
Key West, FL (FHA|USDA|VA) 1 $375,000 $375,000 $0 3.13%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $375,000 $375,000 $0 3.00%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $335,000 $335,000 $0 2.88%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $315,000 $315,000 $0 2.13%
New Philadelphia-Dover, OH (FHA|USDA|VA) 3 $305,000 $101,667 $0 2.75%
Coldwater, MI (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.38%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $305,000 $305,000 $0 3.25%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.25%
Findlay, OH (FHA|USDA|VA) 2 $270,000 $135,000 $0 2.94%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $265,000 $265,000 $0 2.75%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $265,000 $265,000 $0 2.75%
Mount Vernon, OH (FHA|USDA|VA) 2 $250,000 $125,000 $0 3.75%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $240,000 $120,000 $0 3.19%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $195,000 $195,000 $0 2.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.25%
FLINT, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.25%
Tiffin, OH (FHA|USDA|VA) 1 $125,000 $125,000 $0 2.63%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 2.75%
Ludington, MI (FHA|USDA|VA) 1 $75,000 $75,000 $0 2.63%
Cadillac, MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.63%
Directions Credit Union's top markets include Toledo, Monroe, Mansfield, Ashland, and Wooster among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Indiana (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: 39
    Mechanics Bank
    Similarity Rank: 187
    JEEP COUNTRY
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    TLC COMMUNITY Credit Union
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    STAUNTON FINANCIAL, INC.
    Similarity Rank: 667
    The Farmers & Merchants State Bank
    Similarity Rank: 742
    The Park National Bank
    Similarity Rank: 786
    YOUR HOME FINANCIAL LLC
    Similarity Rank: 938

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,073 $189,335,000 $176,454 $0 3.06%
    HELOC 1 $55,000 $55,000 n/a 0.00%

    For 2020, Directions Credit Union's most frequently originated type of loan was Conventional, with 1,073 originations. Their 2nd most popular type was HELOC, with 1 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 744 $133,870,000 $179,933 $0 3.00%
    Home Purchase 314 $54,110,000 $172,325 $0 3.20%
    Home Improvement 16 $1,410,000 $88,125 $0 0.00%

    For 2020, Directions Credit Union's most frequently cited loan purpose was Refi, with 744 originations. The 2nd most popular reason was Home Purchase, with 314 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 610 $115,230,000 $188,902 $0 3.21%
    15 Year 255 $38,595,000 $151,353 $0 2.74%
    20 Year 154 $28,910,000 $187,727 $0 3.00%
    Other 27 $4,375,000 $162,037 $0 3.25%
    10 Year 16 $1,590,000 $99,375 $0 2.75%
    3 Year 12 $690,000 $57,500 $0 3.29%

    For 2020, Directions Credit Union's most frequently cited loan duration was 30 Year, with 610 originations. The 2nd most popular length was 15 Year, with 255 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 468 $78,500,000 $167,735
    $1k-2k 12 $4,400,000 $366,667
    $5k+ 2 $530,000 $265,000
    $3k-4k 1 $315,000 $315,000
    $4k-5k 1 $225,000 $225,000

    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 468 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 551 $96,535,000 $175,200
    3-4% 487 $87,235,000 $179,127
    4-5% 6 $580,000 $96,667
    <2.5% 4 $960,000 $240,000

    During 2020, Directions Credit Union's average interest rate for loans was 3.21%, while their most frequently originated rate bucket for loans was 2.5-3%, with 551 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 476 $69,240,000 $145,462 $0 3.03%
    $200k-400k 326 $87,770,000 $269,233 $0 3.07%
    $100,000 or less 242 $17,130,000 $70,785 $0 3.11%
    $400k-600k 28 $13,200,000 $471,429 $0 3.07%
    $1MM+ 1 $1,115,000 $1,115,000 $0 0.00%
    $600k-1MM 1 $935,000 $935,000 $0 0.00%

    2020 saw Directions Credit Union place emphasis on $100k-200k loans with 476 originations, totaling $69,240,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 269 $53,815,000 $200,056 $0 3.04%
    $50k-75k 218 $28,700,000 $131,651 $0 3.06%
    $150k-250k 195 $50,445,000 $258,692 $0 3.03%
    $75k-100k 181 $28,425,000 $157,044 $0 3.07%
    $50k or less 179 $18,275,000 $102,095 $0 3.15%
    $250k+ 26 $8,780,000 $337,692 $0 2.89%

    Directions Credit Union lent most frequently to those with incomes in the $100k-150k range, with 269 originations. The second most popular income band? $50k-75k, with 218 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 380 $68,890,000 $181,289 $0 3.06%
    <20% 202 $32,680,000 $161,782 $0 2.98%
    30-36% 189 $33,955,000 $179,656 $0 3.09%
    40% 29 $5,225,000 $180,172 $0 3.04%
    37% 26 $4,260,000 $163,846 $0 3.09%
    41% 26 $5,020,000 $193,077 $0 3.10%
    38% 26 $4,730,000 $181,923 $0 3.08%
    36% 24 $4,170,000 $173,750 $0 3.02%
    42% 22 $5,290,000 $240,455 $0 3.16%
    44% 20 $3,680,000 $184,000 $0 3.16%
    45% 20 $2,910,000 $145,500 $0 3.13%
    39% 14 $1,740,000 $124,286 $0 3.20%
    50-60% 14 $2,070,000 $147,857 $0 3.13%
    46% 13 $2,785,000 $214,231 $0 3.07%
    47% 11 $2,175,000 $197,727 $0 2.95%
    43% 10 $1,610,000 $161,000 $0 3.13%
    48% 8 $1,720,000 $215,000 $0 3.14%
    49% 7 $1,625,000 $232,143 $0 3.18%
    >60% 6 $530,000 $88,333 $0 3.10%

    Directions Credit Union lent most frequently to those with DTI ratios of 20-30%, with 380 originations. The next most common DTI ratio? <20%, with 202 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,002 $177,650,000 $177,295 $0 3.06%
    Not provided 40 $6,050,000 $151,250 $0 2.94%
    Asian 13 $2,875,000 $221,154 $0 3.18%
    Black 15 $2,225,000 $148,333 $0 3.13%
    Native Hawaiian or Islander 3 $435,000 $145,000 $0 3.67%
    Not applicable 1 $155,000 $155,000 $0 3.13%

    Approval Rates

    Total approvals of all applications
    95.17%

    Directions Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    89.20%

    Directions Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    1002.38 1 $485,000 $485,000
    1004.29 1 $385,000 $385,000
    1004.49 1 $65,000 $65,000
    1006.56 1 $75,000 $75,000
    101.08 1 $75,000 $75,000
    1014.41 1 $205,000 $205,000
    1016.89 1 $75,000 $75,000
    1016.93 1 $375,000 $375,000
    1018.53 1 $455,000 $455,000
    1019.87 1 $155,000 $155,000
    1023.94 1 $295,000 $295,000
    1024.58 1 $265,000 $265,000
    1026.65 1 $205,000 $205,000
    1027.32 1 $115,000 $115,000
    10286.32 1 $495,000 $495,000
    1032.11 1 $65,000 $65,000
    1033.45 1 $65,000 $65,000
    1033.53 1 $175,000 $175,000
    1039.43 1 $335,000 $335,000
    1039.72 1 $175,000 $175,000
    1041.49 1 $315,000 $315,000
    1042.2 1 $45,000 $45,000
    1045.66 1 $185,000 $185,000
    1045.89 1 $175,000 $175,000
    1054.85 1 $285,000 $285,000
    1055.65 1 $135,000 $135,000
    1056.18 1 $125,000 $125,000
    1058.11 1 $85,000 $85,000
    1060.75 1 $325,000 $325,000
    1061.67 1 $55,000 $55,000
    1065.57 1 $255,000 $255,000
    1067.36 1 $325,000 $325,000
    1067.53 1 $55,000 $55,000
    1069.86 1 $145,000 $145,000
    1070.48 1 $165,000 $165,000
    1071.74 1 $185,000 $185,000
    1072.91 1 $175,000 $175,000
    1080.8 1 $325,000 $325,000
    1081.9 1 $205,000 $205,000
    1087.51 1 $185,000 $185,000
    10900.9 1 $245,000 $245,000
    1097.14 1 $225,000 $225,000
    1098.88 1 $165,000 $165,000
    1099.59 1 $195,000 $195,000
    1100.29 1 $175,000 $175,000
    1101.32 1 $95,000 $95,000
    1101.59 1 $345,000 $345,000
    1104.92 1 $135,000 $135,000
    1106.21 1 $235,000 $235,000
    1113.68 1 $125,000 $125,000
    1117.86 1 $205,000 $205,000
    1119.6 1 $205,000 $205,000
    112.06 1 $125,000 $125,000
    1120.6 1 $225,000 $225,000
    1121.14 1 $125,000 $125,000
    1127.42 1 $95,000 $95,000
    1128.04 1 $165,000 $165,000
    1130.87 1 $255,000 $255,000
    1136.1 1 $65,000 $65,000
    1136.67 1 $115,000 $115,000
    1137.95 1 $195,000 $195,000
    1140.96 1 $285,000 $285,000
    1144.04 1 $85,000 $85,000
    1145.09 1 $75,000 $75,000
    1148.5 1 $165,000 $165,000
    1149.44 1 $235,000 $235,000
    1154.65 1 $115,000 $115,000
    1159.95 1 $65,000 $65,000
    1164.65 1 $135,000 $135,000
    1167.16 1 $155,000 $155,000
    1168.12 1 $325,000 $325,000
    1168.8 1 $305,000 $305,000
    1169.07 1 $125,000 $125,000
    1173.62 1 $65,000 $65,000
    117.97 2 $220,000 $110,000
    1182.7 1 $305,000 $305,000
    1183.59 1 $435,000 $435,000
    11836.15 1 $285,000 $285,000
    1190.38 1 $175,000 $175,000
    1191.81 1 $115,000 $115,000
    1192.72 1 $315,000 $315,000
    1199.5 1 $365,000 $365,000
    1203.44 1 $125,000 $125,000
    1207.56 1 $75,000 $75,000
    1207.64 1 $375,000 $375,000
    1207.93 1 $45,000 $45,000
    1209.64 1 $325,000 $325,000
    1211.69 1 $255,000 $255,000
    1215.32 1 $125,000 $125,000
    1217.04 1 $215,000 $215,000
    1218.61 1 $195,000 $195,000
    122.14 1 $165,000 $165,000
    1222.35 1 $85,000 $85,000
    1226.01 1 $235,000 $235,000
    1227.13 1 $145,000 $145,000
    1229.02 1 $65,000 $65,000
    1233.4 1 $105,000 $105,000
    1233.46 1 $85,000 $85,000
    1234.64 1 $255,000 $255,000
    1238.75 1 $205,000 $205,000
    1240.57 1 $135,000 $135,000
    124.09 1 $145,000 $145,000
    1246.36 1 $195,000 $195,000
    1248.68 1 $65,000 $65,000
    1249.35 1 $375,000 $375,000
    1249.92 1 $55,000 $55,000
    1250.95 1 $85,000 $85,000
    1253.09 1 $265,000 $265,000
    1254.97 1 $45,000 $45,000
    1258.44 1 $325,000 $325,000
    1258.95 1 $445,000 $445,000
    1267.1 1 $235,000 $235,000
    1267.66 1 $115,000 $115,000
    1268.14 1 $95,000 $95,000
    1275.96 1 $325,000 $325,000
    1283.07 1 $155,000 $155,000
    1293.77 1 $115,000 $115,000
    1302.0 1 $75,000 $75,000
    1303.15 1 $165,000 $165,000
    1306.24 1 $135,000 $135,000
    1306.33 1 $165,000 $165,000
    1306.78 1 $165,000 $165,000
    1312.42 1 $305,000 $305,000
    1317.18 1 $205,000 $205,000
    1318.54 1 $145,000 $145,000
    1326.4 1 $145,000 $145,000
    1326.48 1 $95,000 $95,000
    1329.95 1 $265,000 $265,000
    1330.66 1 $115,000 $115,000
    1337.26 1 $105,000 $105,000
    1339.7 1 $95,000 $95,000
    1346.07 1 $405,000 $405,000
    1346.5 1 $145,000 $145,000
    1353.77 1 $245,000 $245,000
    1362.42 1 $115,000 $115,000
    1366.15 1 $85,000 $85,000
    1366.57 1 $115,000 $115,000
    136.69 1 $285,000 $285,000
    1368.38 1 $135,000 $135,000
    1370.73 1 $285,000 $285,000
    1372.06 1 $105,000 $105,000
    1373.71 1 $165,000 $165,000
    137.63 1 $105,000 $105,000
    1381.48 1 $155,000 $155,000
    1384.84 1 $305,000 $305,000
    1385.39 1 $205,000 $205,000
    1385.81 1 $155,000 $155,000
    1404.21 1 $205,000 $205,000
    1407.22 1 $105,000 $105,000
    140.94 1 $135,000 $135,000
    1411.09 1 $145,000 $145,000
    1411.91 1 $85,000 $85,000
    1412.95 1 $515,000 $515,000
    1415.4 1 $155,000 $155,000
    1417.9 1 $265,000 $265,000
    1418.76 1 $45,000 $45,000
    1419.57 1 $305,000 $305,000
    1420.3 1 $145,000 $145,000
    1420.32 1 $215,000 $215,000
    1427.64 1 $65,000 $65,000
    1429.0 1 $475,000 $475,000
    1430.8 1 $265,000 $265,000
    1431.4 1 $185,000 $185,000
    1433.36 1 $125,000 $125,000
    1442.01 1 $315,000 $315,000
    1448.3 2 $560,000 $280,000
    1449.47 1 $115,000 $115,000
    1453.54 1 $195,000 $195,000
    1457.93 1 $285,000 $285,000
    1463.09 1 $125,000 $125,000
    1471.49 1 $75,000 $75,000
    1472.72 1 $335,000 $335,000
    1474.91 1 $95,000 $95,000
    1476.79 1 $45,000 $45,000
    1478.41 1 $385,000 $385,000
    1478.95 1 $95,000 $95,000
    147.99 1 $205,000 $205,000
    1483.82 1 $185,000 $185,000
    1487.74 1 $205,000 $205,000
    148.81 1 $55,000 $55,000
    1491.31 1 $105,000 $105,000
    1491.44 1 $295,000 $295,000
    1507.73 1 $175,000 $175,000
    1508.91 1 $245,000 $245,000
    1513.5 1 $155,000 $155,000
    1520.05 1 $285,000 $285,000
    1529.3 1 $335,000 $335,000
    152.96 1 $165,000 $165,000
    1532.51 1 $115,000 $115,000
    1536.31 1 $265,000 $265,000
    1537.82 1 $105,000 $105,000
    1541.38 1 $85,000 $85,000
    1543.8 1 $125,000 $125,000
    1543.88 1 $135,000 $135,000
    1545.36 1 $195,000 $195,000
    1547.9 1 $75,000 $75,000
    1548.06 1 $445,000 $445,000
    1549.22 1 $75,000 $75,000
    1549.78 1 $165,000 $165,000
    1552.26 1 $115,000 $115,000
    1562.76 1 $65,000 $65,000
    1566.13 1 $355,000 $355,000
    1569.06 1 $185,000 $185,000
    1574.23 1 $105,000 $105,000
    1575.31 1 $45,000 $45,000
    1575.89 1 $55,000 $55,000
    1579.29 1 $95,000 $95,000
    1580.32 1 $55,000 $55,000
    1583.25 1 $205,000 $205,000
    1585.56 1 $135,000 $135,000
    1589.35 1 $125,000 $125,000
    1590.95 1 $55,000 $55,000
    1599.41 1 $275,000 $275,000
    1600.38 1 $85,000 $85,000
    1613.3 1 $305,000 $305,000
    1617.74 1 $235,000 $235,000
    1626.89 1 $105,000 $105,000
    1629.57 1 $225,000 $225,000
    1629.82 1 $405,000 $405,000
    1630.33 1 $115,000 $115,000
    1640.5 1 $165,000 $165,000
    1652.21 1 $65,000 $65,000
    1653.33 1 $95,000 $95,000
    1660.32 1 $115,000 $115,000
    1665.66 1 $365,000 $365,000
    1671.26 1 $145,000 $145,000
    1674.84 1 $475,000 $475,000
    168.63 1 $75,000 $75,000
    1687.56 1 $195,000 $195,000
    1689.68 1 $115,000 $115,000
    1695.92 1 $205,000 $205,000
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    520.52 1 $105,000 $105,000
    523.09 1 $235,000 $235,000
    523.43 1 $135,000 $135,000
    528.46 1 $165,000 $165,000
    530.66 1 $165,000 $165,000
    530.86 1 $135,000 $135,000
    5309.04 1 $215,000 $215,000
    531.71 1 $135,000 $135,000
    532.97 1 $245,000 $245,000
    533.35 1 $275,000 $275,000
    533.85 1 $65,000 $65,000
    534.74 1 $165,000 $165,000
    535.45 1 $165,000 $165,000
    537.29 1 $105,000 $105,000
    5392.74 1 $405,000 $405,000
    543.22 1 $135,000 $135,000
    544.76 1 $175,000 $175,000
    545.03 1 $165,000 $165,000
    545.58 1 $125,000 $125,000
    547.75 1 $225,000 $225,000
    548.16 1 $185,000 $185,000
    548.4 1 $255,000 $255,000
    549.42 1 $135,000 $135,000
    554.71 1 $175,000 $175,000
    558.12 1 $285,000 $285,000
    560.36 1 $295,000 $295,000
    563.98 1 $95,000 $95,000
    568.44 1 $105,000 $105,000
    568.64 1 $295,000 $295,000
    5712.27 1 $195,000 $195,000
    575.38 1 $195,000 $195,000
    5775.62 1 $155,000 $155,000
    5800.65 1 $225,000 $225,000
    581.58 1 $185,000 $185,000
    582.47 1 $95,000 $95,000
    583.09 1 $195,000 $195,000
    583.85 1 $165,000 $165,000
    585.8 1 $225,000 $225,000
    587.02 1 $165,000 $165,000
    587.68 1 $245,000 $245,000
    590.25 1 $175,000 $175,000
    591.4 1 $135,000 $135,000
    592.51 1 $65,000 $65,000
    593.18 1 $205,000 $205,000
    599.71 1 $205,000 $205,000
    601.25 1 $225,000 $225,000
    602.17 1 $335,000 $335,000
    604.77 1 $185,000 $185,000
    607.44 1 $325,000 $325,000
    608.87 1 $205,000 $205,000
    609.62 1 $365,000 $365,000
    611.76 1 $175,000 $175,000
    612.79 1 $125,000 $125,000
    613.66 1 $95,000 $95,000
    6138.22 1 $365,000 $365,000
    614.14 1 $255,000 $255,000
    6175.79 1 $175,000 $175,000
    618.68 1 $265,000 $265,000
    619.16 1 $245,000 $245,000
    621.57 1 $165,000 $165,000
    622.02 1 $275,000 $275,000
    623.97 1 $85,000 $85,000
    630.81 1 $225,000 $225,000
    636.24 1 $155,000 $155,000
    638.27 1 $95,000 $95,000
    639.79 1 $125,000 $125,000
    642.12 1 $315,000 $315,000
    644.91 1 $245,000 $245,000
    645.56 1 $175,000 $175,000
    646.23 1 $65,000 $65,000
    6488.97 1 $375,000 $375,000
    649.84 1 $185,000 $185,000
    651.24 1 $75,000 $75,000
    652.18 1 $265,000 $265,000
    652.65 1 $265,000 $265,000
    654.56 1 $45,000 $45,000
    655.05 1 $515,000 $515,000
    657.58 1 $215,000 $215,000
    658.07 1 $115,000 $115,000
    661.05 1 $65,000 $65,000
    663.2 1 $145,000 $145,000
    6639.06 1 $215,000 $215,000
    666.3 1 $135,000 $135,000
    6685.87 1 $245,000 $245,000
    668.61 1 $115,000 $115,000
    670.92 1 $185,000 $185,000
    671.39 1 $245,000 $245,000
    675.12 1 $145,000 $145,000
    678.2 1 $295,000 $295,000
    681.78 1 $65,000 $65,000
    682.96 1 $95,000 $95,000
    683.12 1 $75,000 $75,000
    686.58 1 $125,000 $125,000
    687.46 1 $185,000 $185,000
    687.66 1 $245,000 $245,000
    688.06 1 $125,000 $125,000
    688.63 1 $85,000 $85,000
    690.73 1 $195,000 $195,000
    694.46 1 $125,000 $125,000
    695.1 1 $75,000 $75,000
    695.16 1 $85,000 $85,000
    695.55 1 $105,000 $105,000
    697.3 1 $245,000 $245,000
    700.66 1 $45,000 $45,000
    702.23 1 $235,000 $235,000
    703.58 1 $125,000 $125,000
    704.25 1 $225,000 $225,000
    706.56 1 $205,000 $205,000
    710.81 1 $345,000 $345,000
    7117.88 1 $315,000 $315,000
    714.86 1 $125,000 $125,000
    715.42 1 $75,000 $75,000
    717.08 1 $225,000 $225,000
    717.26 1 $255,000 $255,000
    718.04 1 $145,000 $145,000
    718.26 1 $145,000 $145,000
    718.37 1 $255,000 $255,000
    718.93 1 $365,000 $365,000
    719.23 1 $175,000 $175,000
    719.91 1 $195,000 $195,000
    721.68 2 $420,000 $210,000
    722.3 1 $165,000 $165,000
    722.73 1 $155,000 $155,000
    723.62 1 $205,000 $205,000
    724.64 1 $205,000 $205,000
    7254.27 1 $395,000 $395,000
    7257.54 1 $375,000 $375,000
    727.09 1 $345,000 $345,000
    727.51 1 $75,000 $75,000
    730.42 1 $175,000 $175,000
    734.75 1 $45,000 $45,000
    735.24 1 $325,000 $325,000
    7355.2 1 $225,000 $225,000
    736.52 1 $105,000 $105,000
    737.92 1 $65,000 $65,000
    740.95 1 $85,000 $85,000
    741.85 1 $135,000 $135,000
    744.78 1 $65,000 $65,000
    745.23 1 $185,000 $185,000
    746.42 1 $225,000 $225,000
    747.42 1 $45,000 $45,000
    749.13 1 $135,000 $135,000
    749.3 1 $195,000 $195,000
    755.0 1 $295,000 $295,000
    756.21 2 $500,000 $250,000
    756.55 1 $375,000 $375,000
    756.57 1 $85,000 $85,000
    757.07 1 $175,000 $175,000
    759.55 1 $55,000 $55,000
    760.21 1 $255,000 $255,000
    760.37 1 $55,000 $55,000
    764.0 1 $285,000 $285,000
    764.74 1 $125,000 $125,000
    771.92 1 $25,000 $25,000
    773.27 1 $155,000 $155,000
    776.1 1 $245,000 $245,000
    777.9 1 $85,000 $85,000
    780.31 1 $125,000 $125,000
    781.81 1 $225,000 $225,000
    783.06 1 $175,000 $175,000
    785.79 1 $85,000 $85,000
    786.21 1 $175,000 $175,000
    787.1 1 $275,000 $275,000
    787.42 1 $315,000 $315,000
    790.1 1 $75,000 $75,000
    790.52 1 $95,000 $95,000
    791.29 1 $315,000 $315,000
    792.26 1 $225,000 $225,000
    792.65 2 $200,000 $100,000
    795.0 1 $155,000 $155,000
    796.4 1 $205,000 $205,000
    797.27 1 $105,000 $105,000
    798.03 1 $195,000 $195,000
    798.88 1 $95,000 $95,000
    800.01 1 $45,000 $45,000
    802.79 2 $370,000 $185,000
    806.31 1 $175,000 $175,000
    808.06 1 $145,000 $145,000
    810.45 1 $115,000 $115,000
    810.48 1 $175,000 $175,000
    820.26 1 $95,000 $95,000
    821.25 1 $145,000 $145,000
    822.92 1 $155,000 $155,000
    822.99 1 $205,000 $205,000
    823.16 1 $355,000 $355,000
    823.53 1 $85,000 $85,000
    823.63 1 $155,000 $155,000
    824.52 1 $305,000 $305,000
    826.16 1 $125,000 $125,000
    827.38 1 $275,000 $275,000
    827.44 1 $235,000 $235,000
    829.33 1 $95,000 $95,000
    829.86 1 $105,000 $105,000
    835.03 1 $115,000 $115,000
    835.34 1 $115,000 $115,000
    838.82 1 $25,000 $25,000
    839.88 1 $145,000 $145,000
    840.03 1 $125,000 $125,000
    840.66 1 $45,000 $45,000
    840.8 1 $205,000 $205,000
    841.29 1 $145,000 $145,000
    841.49 1 $25,000 $25,000
    842.67 1 $135,000 $135,000
    842.93 1 $75,000 $75,000
    843.63 1 $155,000 $155,000
    845.23 1 $85,000 $85,000
    845.8 1 $85,000 $85,000
    8486.89 1 $385,000 $385,000
    848.81 1 $145,000 $145,000
    851.4 1 $145,000 $145,000
    853.49 1 $55,000 $55,000
    854.46 1 $285,000 $285,000
    854.98 1 $45,000 $45,000
    855.14 1 $25,000 $25,000
    855.64 1 $125,000 $125,000
    858.38 1 $115,000 $115,000
    859.51 1 $215,000 $215,000
    862.91 1 $55,000 $55,000
    864.1 1 $125,000 $125,000
    865.71 1 $215,000 $215,000
    871.28 1 $165,000 $165,000
    871.57 1 $135,000 $135,000
    874.72 1 $295,000 $295,000
    879.16 1 $75,000 $75,000
    882.37 1 $305,000 $305,000
    883.0 1 $125,000 $125,000
    883.03 1 $145,000 $145,000
    883.1 1 $155,000 $155,000
    885.2 1 $155,000 $155,000
    885.34 1 $115,000 $115,000
    888.47 1 $35,000 $35,000
    89.07 1 $85,000 $85,000
    894.52 1 $105,000 $105,000
    894.55 1 $85,000 $85,000
    896.57 1 $35,000 $35,000
    901.96 1 $125,000 $125,000
    904.88 1 $175,000 $175,000
    906.17 1 $95,000 $95,000
    909.16 1 $275,000 $275,000
    911.06 1 $165,000 $165,000
    911.62 1 $135,000 $135,000
    913.18 1 $485,000 $485,000
    914.03 1 $95,000 $95,000
    916.8 1 $285,000 $285,000
    917.58 1 $95,000 $95,000
    918.38 1 $225,000 $225,000
    918.92 1 $165,000 $165,000
    923.11 1 $135,000 $135,000
    926.2 1 $25,000 $25,000
    932.58 1 $265,000 $265,000
    935.87 1 $55,000 $55,000
    937.28 1 $115,000 $115,000
    937.31 1 $265,000 $265,000
    937.34 1 $55,000 $55,000
    937.66 1 $115,000 $115,000
    938.43 1 $265,000 $265,000
    941.4 1 $375,000 $375,000
    942.33 1 $35,000 $35,000
    943.8 1 $125,000 $125,000
    945.13 1 $115,000 $115,000
    948.88 1 $215,000 $215,000
    950.05 1 $105,000 $105,000
    950.4 1 $175,000 $175,000
    951.14 1 $135,000 $135,000
    954.36 1 $305,000 $305,000
    957.17 1 $285,000 $285,000
    960.62 1 $125,000 $125,000
    961.07 1 $45,000 $45,000
    964.94 1 $235,000 $235,000
    965.02 1 $45,000 $45,000
    965.89 1 $55,000 $55,000
    966.5 1 $205,000 $205,000
    967.12 1 $185,000 $185,000
    969.33 1 $195,000 $195,000
    971.14 1 $115,000 $115,000
    972.29 1 $125,000 $125,000
    974.16 1 $125,000 $125,000
    974.37 1 $125,000 $125,000
    976.19 1 $285,000 $285,000
    976.73 1 $145,000 $145,000
    981.93 1 $135,000 $135,000
    987.72 1 $65,000 $65,000
    987.86 1 $45,000 $45,000
    990.01 1 $45,000 $45,000
    993.39 1 $205,000 $205,000
    994.33 1 $235,000 $235,000
    994.47 1 $195,000 $195,000
    997.51 1 $225,000 $225,000
    NA 26 $4,080,000 $156,923

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 1 $165,000 $165,000
    Single Family (1-4 Units):Manufactured 9 $975,000 $108,333
    Single Family (1-4 Units):Site-Built 1,064 $188,250,000 $176,927

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 35 $3,285,000 $93,857 $0 2.94%
    40-60% 160 $23,260,000 $145,375 $0 2.94%
    60-80% 536 $99,260,000 $185,187 $0 3.05%
    80-100% 316 $59,460,000 $188,165 $0 3.14%
    Under 20% 1 $45,000 $45,000 $0 3.25%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Direct Home Loans, LLC Conventional home mortgage Closing on a mortgage 1 100.0%