# DIRECTIONS EQUITY, LLC

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


> **📋 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 EQUITY, LLC is a independent mortgage company, headquartered in SAN ANTONIO, TX, serving borrowers across 7 states, with 1,178 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 54% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300ZGTXNHL5BKQZ27
- **Headquarters:** SAN ANTONIO, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** CA, FL, MS, NC, NM, TN, TX
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.2%
- **Brokered/Wholesale:** 0.8%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 46/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.228%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,520
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,178
- **Dollar Volume:** $373 million
- **Applications Received:** 1,578
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $316,995
- **Average Borrower Income:** $117,332
- **Average Property Value:** $347,852

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **VA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 59/100 | 298 | +0.411% | $4,057 | Sound ☺️ |
| FHA | 78/100 | 520 | +0.333% | $1,449 | Strong 😀 |
| VA | 80/100 | 355 | -0.666% | $2,350 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 267 loans, Score: 61/100 (Strong)
- Refinance: 31 loans, Score: 39/100 (Acceptable)

**FHA:**
- Purchase: 511 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 355 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 1,138 | $359M | +0.233% | Strong 😀 |
| Refinance | 49/100 | 40 | $14M | +0.173% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,125 | 0.32% | 84/100 |
| CA | 43 | 0.02% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Antonio | TX | 703 | 89/100 |
| McAllen | TX | 145 | 85/100 |
| Midland, TX | TX | 65 | 75/100 |
| Brownsville | TX | 47 | 75/100 |
| Odessa, TX | TX | 47 | 77/100 |
| Houston | TX | 30 | 49/100 |
| Modesto, CA | CA | 29 | 60/100 |
| Non |  | 24 | 28/100 |
| El Paso, TX | TX | 15 | 46/100 |
| Austin | TX | 12 | 41/100 |

## Where This Lender Ranks

DIRECTIONS EQUITY, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in McAllen for FHA Loans
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/fha-loans)
- 🥇 **#1** in McAllen for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in San Antonio for FHA Loans
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in San Antonio for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-antonio/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in McAllen Mortgage Companies
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in McAllen for VA Loans
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/va-loans)
- 🥈 **#2** in McAllen for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Odessa, TX
  - [View Full Rankings](https://saferate.com/odessa-tx/best-mortgage-lenders)
- 🥈 **#2** in Odessa, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/odessa-tx/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Odessa, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/odessa-tx/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Odessa, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/odessa-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Modesto, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Modesto, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Modesto, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in McAllen
  - [View Full Rankings](https://saferate.com/mcallen/best-mortgage-lenders)
- 🥉 **#3** in Midland, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Midland, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Brownsville for FHA Loans
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Brownsville for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/brownsville/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Modesto, CA
  - [View Full Rankings](https://saferate.com/modesto-ca/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does DIRECTIONS EQUITY, LLC offer?

DIRECTIONS EQUITY, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does DIRECTIONS EQUITY, LLC offer mortgages?

DIRECTIONS EQUITY, LLC offers mortgages in 7 states: CA, FL, MS, NC, NM, TN, TX.

### How competitive are DIRECTIONS EQUITY, LLC's mortgage rates?

DIRECTIONS EQUITY, LLC has a pricing score of 46/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.228% above market average.

### What type of lender is DIRECTIONS EQUITY, LLC?

DIRECTIONS EQUITY, LLC is a non-depository lender that specializes in mortgage origination, headquartered in SAN ANTONIO, TX.

### What is DIRECTIONS EQUITY, LLC's loan approval success rate?

DIRECTIONS EQUITY, LLC has a pull-through score of 82/100 (Exceptional). 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-equity

### How to Cite

> "DIRECTIONS EQUITY, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/directions-equity

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