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 Detroit among others. We have data for 36 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

821

Origination Dollar Volume (All Markets)

$140,865,000

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) 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.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Georgia (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: 12
    Mechanics Bank
    Similarity Rank: 36
    The Henry County Bank
    Similarity Rank: 333
    The Croghan Colonial Bank
    Similarity Rank: 952
    STAUNTON FINANCIAL, INC.
    Similarity Rank: 957
    First National Bank of Bellevue
    Similarity Rank: 962
    Union Savings Bank
    Similarity Rank: 1650

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 819 $140,575,000 $171,642 $0 2.95%
    HELOC 2 $290,000 $145,000 n/a 2.88%

    For 2021, Directions Credit Union's most frequently originated type of loan was Conventional, with 819 originations. Their 2nd most popular type was HELOC, with 2 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Directions Credit Union's most frequently cited loan purpose was Refi, with 531 originations. The 2nd most popular reason was 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 2021, Directions Credit Union's most frequently cited loan duration was 30 Year, with 478 originations. The 2nd most popular length was 15 Year, with 184 originations.

    Origination Fees/Closing Costs

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

    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 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 for loans was 3.09%, while their most frequently originated rate bucket for loans was 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 or Islander 2 $270,000 $135,000 $0 3.06%

    Approval Rates

    Total approvals of all applications
    94.97%

    Directions Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    89.40%

    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
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    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%