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Directors Mortgage, Inc.

Independent Mortgage CompanyLAKE OSWEGO, ORDirect to Consumer

We analyzed every closed loan from Directors Mortgage 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · Jumbo
Place
Strong
Multi-Region · 16 mkts

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo loans

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Report Card

Directors Mortgage, Inc. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
N/A
No peer data
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Strong
Highly Competitive
Top 40% of lenders
Jumbo
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Multi-Regional17 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Strong
86667.7%
FHA Loans
Strong
Strong
Strong
30023.5%
VA Loans
Strong
Strong
Strong
806.3%
Jumbo Loans
Strong
Strong
Strong
322.5%

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Strong
Strong
1,15990.6%
Refinance
Sound
Strong
Sound
1209.4%

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,279
Applications
1,776
Volume
$538 million
Typical Borrower
Avg Loan Amount
$421,052
Avg Borrower Income
$156,179
Avg Property Value
$545,023

Geographic Coverage

Geographic Performance

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%of portfolio
Place
Exceptional
2
Eugene, ORMSA
Volume: 124Mix: 9.70%of portfolio
Place
Exceptional
3
Albuquerque, NM, NMMSA
Volume: 222Mix: 17.36%of portfolio
Place
Exceptional
4
Portland, OR-WAMSA
Volume: 303Mix: 23.69%of portfolio
Place
Exceptional
5
Everett, WA, WAMSA
Volume: 51Mix: 3.99%of portfolio
Place
Strong
6
Seattle, WAMSA
Volume: 76Mix: 5.94%of portfolio
Place
Strong
7
Tacoma, WAMSA
Volume: 36Mix: 2.81%of portfolio
Place
Strong
8
Santa Fe, NM, NMMSA
Volume: 19Mix: 1.49%of portfolio
Place
Sound
9
Bend, OR, ORMSA
Volume: 22Mix: 1.72%of portfolio
Place
Sound
10
Salem, OR, ORMSA
Volume: 24Mix: 1.88%of portfolio
Place
Sound
Showing 10 of 16 metro areas

Top States by Place Specialization Score

1
ORState
Volume: 643Mix: 50.27%of portfolio
Place
Exceptional
2
NMState
Volume: 298Mix: 23.30%of portfolio
Place
Exceptional
3
WAState
Volume: 288Mix: 22.52%of portfolio
Place
Strong
4
CAState
Volume: 26Mix: 2.03%of portfolio
Place
Sound
5
AZState
Volume: 13Mix: 1.02%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.