A universal cost minimizing mail arbitrator (UCMA) selects an optimum zip code result from a plurality of zip code results received from a plurality of mail processing directory match modules (DMM). The UCMA primarily has a cost tuner and an arbitration controller. The cost tuner receives truthed input for truthed mail, and user-defined cost profile parameters. The cost tuner determines an average weighted cost (AWC) for each DMM based upon the truthed input, to form a cost profile. The AWC is sorted in the cost profile based upon the Level of Sort (LOS) for the zip code result. The cost tuner gathers the cost profiles for each DMM together to form a cost profile array for all the DMMs. The arbitration controller receives the zip code results from the DMMs for each LOS code, and determines the lowest cost zip code result from amongst the various LOS codes based upon the AWC in the cost profile array. The arbitration controller selects the optimum zip code result based upon the lowest cost zip code result.