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DIRECTORS MORTGAGE, INC.
Independent Mortgage Company|LAKE OSWEGO, OR|Multi-Region
Loans Originated
1,279
Applications
1,776
Volume
$538 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Pullthrough Rate
72.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Report Card
DIRECTORS MORTGAGE, INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 17 metro areas · 9 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$421,052
Average Borrower Income
$156,179
Average Property Value
$545,023
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | N/A | Strong | 866 | 67.7% | — | — |
FHA Loans | Strong | Strong | N/A | Strong | 300 | 23.5% | — | — |
VA Loans | Strong | Strong | N/A | Strong | 80 | 6.3% | — | — |
Jumbo Loans | Strong | Strong | N/A | Strong | 32 | 2.5% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | N/A | Strong | 1,159 | 90.6% | — | — |
Refinance | Sound | Strong | N/A | Sound | 120 | 9.4% | — | — |
Geographic Coverage
Metro Areas
16
States Served
9
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
AKAZCACOIDMTNMORWA
Top Metro Areas by Place Specialization Score
1
Corvallis, OR, ORMSA
Volume: 41Mix: 3.21%
Place Specialization
Exceptional
2
Eugene, ORMSA
Volume: 124Mix: 9.70%
Place Specialization
Exceptional
3
Albuquerque, NM, NMMSA
Volume: 222Mix: 17.36%
Place Specialization
Exceptional
4
Portland, OR-WAMSA
Volume: 303Mix: 23.69%
Place Specialization
Exceptional
5
Everett, WA, WAMSA
Volume: 51Mix: 3.99%
Place Specialization
Strong
6
Seattle, WAMSA
Volume: 76Mix: 5.94%
Place Specialization
Strong
7
Tacoma, WAMSA
Volume: 36Mix: 2.81%
Place Specialization
Strong
8
Santa Fe, NM, NMMSA
Volume: 19Mix: 1.49%
Place Specialization
Sound
9
Bend, OR, ORMSA
Volume: 22Mix: 1.72%
Place Specialization
Sound
10
Salem, OR, ORMSA
Volume: 24Mix: 1.88%
Place Specialization
Sound
Showing 10 of 16 metro areas
Top States by Place Specialization Score
1
ORState
Volume: 643Mix: 50.27%
Place Specialization
Exceptional
2
NMState
Volume: 298Mix: 23.30%
Place Specialization
Exceptional
3
WAState
Volume: 288Mix: 22.52%
Place Specialization
Strong
4
CAState
Volume: 26Mix: 2.03%
Place Specialization
Sound
5
AZState
Volume: 13Mix: 1.02%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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