# Directions Credit Union, Inc.

> **Canonical URL:** https://saferate.com/lenders/directions-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Directions Credit Union, Inc. is a credit union, headquartered in Toledo, OH, serving borrowers across 8 states, with 300 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 6% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 28% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900UHFHT3IWKY8K19
- **Headquarters:** Toledo, OH
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AL, FL, GA, IN, MI, MO, NC, OH
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 94/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 72/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.005%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $383
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 300
- **Dollar Volume:** $76 million
- **Applications Received:** 340
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $252,933
- **Average Borrower Income:** $122,850
- **Average Property Value:** $328,200

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 63/100 | 297 | +0.005% | $383 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 257 loans, Score: 62/100 (Strong)
- Refinance: 40 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 260 | $70M | +0.005% | Strong 😀 |
| Refinance | 52/100 | 40 | $6M | +0.003% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 229 | 0.17% | 74/100 |
| MI | 64 | 0.06% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Toledo, OH | OH | 172 | 91/100 |
| Monroe, MI | MI | 52 | 80/100 |
| Non |  | 32 | 38/100 |
| Mansfield, OH | OH | 21 | 57/100 |

## Where This Lender Ranks

Directions Credit Union, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Toledo, OH
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders)
- 🥇 **#1** in Toledo, OH for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Monroe, MI
  - [View Full Rankings](https://saferate.com/monroe-mi/best-mortgage-lenders)
- 🥈 **#2** in Monroe, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/monroe-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Mansfield, OH
  - [View Full Rankings](https://saferate.com/mansfield-oh/best-mortgage-lenders)
- 🥉 **#3** in Toledo, OH for Conventional Loans
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Monroe, MI for Conventional Loans
  - [View Full Rankings](https://saferate.com/monroe-mi/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Mansfield, OH for Conventional Loans
  - [View Full Rankings](https://saferate.com/mansfield-oh/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Directions Credit Union, Inc. offer?

Directions Credit Union, Inc. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Directions Credit Union, Inc. offer mortgages?

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

### How competitive are Directions Credit Union, Inc.'s mortgage rates?

Directions Credit Union, Inc. has a pricing score of 94/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.005% above market average.

### What type of lender is Directions Credit Union, Inc.?

Directions Credit Union, Inc. is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Toledo, OH.

### What is Directions Credit Union, Inc.'s loan approval success rate?

Directions Credit Union, Inc. has a pull-through score of 72/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/directions-credit-union

### How to Cite

> "Directions Credit Union, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/directions-credit-union

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