What loan types does Directions Credit Union offer?

Directions Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Directions Credit Union offer mortgages?

Directions Credit Union offers mortgages in 8 states: AL, FL, GA, IN, MI, MO, NC, OH.

How competitive are Directions Credit Union's mortgage rates?

Directions Credit Union has an overall pricing score of 94.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Directions Credit Union?

Directions Credit Union is a Credit Union headquartered in Toledo, OH.

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Directions Credit Union

Credit Union•Toledo, OHHQ•Direct•Reviews near you on Google

Directions Credit Union has 300 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional

Place

Strong

4/5

Multi-Region · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Directions Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+0.5 bps above market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

297 loans · 0.01% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

260 loans · 0.01% above market

Strong

Top 40% of lenders

4/5

Refinance

40 loans · 0.00% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Exceptional	Strong	297	99.0%	+0.005%Above	$383Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume297

Mix99.0%

Spread

+0.005%Above

Fees

$383Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Exceptional	Strong	260	86.7%	+0.005%Above	$389Fees
Refinance	Strong	Sound	Exceptional	Strong	40	13.3%	+0.003%Above	$346Fees

Purchase

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume260

Mix86.7%

Spread

+0.005%Above

Fees

$389Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume40

Mix13.3%

Spread

+0.003%Above

Fees

$346Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

300

Applications

340

Volume

$75 million

Pricing & Closing

Avg Rate Spread

+0.005%

vs. market APOR

Avg Net Fees

$383

Origination − Credits

Pullthrough Rate

88.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$252,933

Avg Borrower Income

$122,850

Avg Property Value

$328,200

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

8Full-year 2024 · HMDA

Loans originated

< 5050+None

Midwest4

INMIMOOH

South4

ALFLGANC

Top Metro Areas by Place Specialization Score

Toledo, OHMetro

Volume 172Mix 57.33% of portfolio

91/100

Exceptional

Monroe, MIMetro

Volume 52Mix 17.33% of portfolio

80/100

Strong

Mansfield, OHMetro

Volume 21Mix 7.00% of portfolio

57/100

Sound

Top States by Place Specialization Score

OhioState

Volume 229Mix 76.33% of portfolio

74/100

Strong

MichiganState

Volume 64Mix 21.33% of portfolio

60/100

Strong

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(80%+ = 40-50 points)

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.