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Directors Mortgage

Independent Mortgage Company•Lake Oswego, ORHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Directors Mortgage — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 16 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

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

Explore another lender or local market

Report Card

Directors Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
866 loans
Strong
Top 40% of lenders
4/5
FHA
300 loans
Strong
Top 40% of lenders
4/5
VA
80 loans
Strong
Top 40% of lenders
4/5
Jumbo
32 loans
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,159 loans
Strong
Top 40% of lenders
4/5
Refinance
120 loans
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 17 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume866
Mix67.7%
Spread—
Fees—
FHA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume300
Mix23.5%
Spread—
Fees—
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume80
Mix6.3%
Spread—
Fees—
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume32
Mix2.5%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume1,159
Mix90.6%
Spread—
Fees—
Refinance
Overall
Strong
Product
Strong
Pricing—
Pull Through
Sound
Volume120
Mix9.4%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,279
Applications
1,776
Volume
$538 million
Pricing & Closing
Pullthrough Rate
72.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$421,052
Avg Borrower Income
$156,179
Avg Property Value
$545,023

Geographic Coverage

Geographic Performance

Metro Areas
16
markets with activity
States Served
9
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

9Full-year 2024 · HMDA
9 states with loan originations
Loans originated
< 1010–2020–200200+None
West9
AKAZCACOIDMTNMORWA

Top Metro Areas by Place Specialization Score

1© Steve Morgan · CC BY-SA 4.0
Corvallis, ORMetro
Volume 41Mix 3.21% of portfolio
86/100
Exceptional
2© Jsayre64 · CC BY-SA 3.0
Eugene, ORMetro
Volume 124Mix 9.70% of portfolio
85/100
Exceptional
3© Ron Reiring · CC BY 2.0
Albuquerque, NMMetro
Volume 222Mix 17.36% of portfolio
83/100
Exceptional
4© Seasider53 · CC BY 4.0
Portland, OR-WAMetro
Volume 303Mix 23.69% of portfolio
81/100
Exceptional
5© SounderBruce · CC BY-SA 4.0
Everett, WAMetro
Volume 51Mix 3.99% of portfolio
66/100
Strong
6© Dietmar Rabich · CC BY-SA 4.0
Seattle, WAMetro
Volume 76Mix 5.94% of portfolio
65/100
Strong
7© Broran28 · Public domain
Tacoma, WAMetro
Volume 36Mix 2.81% of portfolio
60/100
Strong
8© Infrogmation of New Orleans · CC BY 2.0
Santa Fe, NMMetro
Volume 19Mix 1.49% of portfolio
58/100
Sound
9© Ian Poellet · CC BY-SA 3.0
Bend, ORMetro
Volume 22Mix 1.72% of portfolio
57/100
Sound
10© No machine-readable author provided. Owen assumed · Public domain
Salem, ORMetro
Volume 24Mix 1.88% of portfolio
56/100
Sound
Showing 10 of 16 metro areas

Top States by Place Specialization Score

Oregon
Oregon
1
OregonState
Volume 643Mix 50.27% of portfolio
89/100
Exceptional
New Mexico
New Mexico
2
New MexicoState
Volume 298Mix 23.30% of portfolio
84/100
Exceptional
Washington
Washington
3
WashingtonState
Volume 288Mix 22.52% of portfolio
77/100
Strong
California
California
4
CaliforniaState
Volume 26Mix 2.03% of portfolio
43/100
Sound
Arizona
Arizona
5
ArizonaState
Volume 13Mix 1.02% of portfolio
39/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.