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Directions Equity

Independent Mortgage Company•San Antonio, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Directions Equity — 1.2k 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
Pricing
Sound
3/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 9 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

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

Explore another lender or local market

Report Card

Directions Equity performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+22.8 bps above market avg
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
298 loans · 0.41% above market
Sound
Top 60% of lenders
3/5
FHA
520 loans · 0.33% above market
Strong
Top 40% of lenders
4/5
VA
355 loans · 0.67% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,138 loans · 0.23% above market
Strong
Top 40% of lenders
4/5
Refinance
40 loans · 0.17% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume298
Mix25.3%
Spread
+0.411%Above
Fees
$4,057Fees
FHA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume520
Mix44.1%
Spread
+0.333%Above
Fees
$1,449Fees
VA Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Exceptional
Volume355
Mix30.1%
Spread
-0.666%Below
Fees
$2,350Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume1,138
Mix96.6%
Spread
+0.233%Above
Fees
$2,382Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume40
Mix3.4%
Spread
+0.173%Above
Fees
$4,021Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,178
Applications
1,578
Volume
$373 million
Pricing & Closing
Avg Rate Spread
+0.228%
vs. market APOR
Avg Net Fees
$2,520
Origination − Credits
Pullthrough Rate
74.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$316,995
Avg Borrower Income
$117,332
Avg Property Value
$347,852

Geographic Coverage

Geographic Performance

Metro Areas
9
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

7Full-year 2024 · HMDA
7 states with loan originations
Loans originated
< 5050+None
South5
FLMSNCTNTX
West2
CANM

Top Metro Areas by Place Specialization Score

1© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 703Mix 59.68% of portfolio
89/100
Exceptional
2© Mig Esc · CC BY 3.0
McAllen, TXMetro
Volume 145Mix 12.31% of portfolio
85/100
Exceptional
3© Vasiliymeshko · CC BY 4.0
Odessa, TXMetro
Volume 47Mix 3.99% of portfolio
77/100
Strong
4© Quintin Soloviev · CC BY 4.0
Midland, TXMetro
Volume 65Mix 5.52% of portfolio
75/100
Strong
5© Michael Martin from Cypress, Texas · CC BY-SA 2.0
Brownsville, TXMetro
Volume 47Mix 3.99% of portfolio
75/100
Strong
6© peter boy12qq12 · CC BY 3.0
Modesto, CAMetro
Volume 29Mix 2.46% of portfolio
60/100
Strong
7© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 30Mix 2.55% of portfolio
49/100
Sound
8© Thomas Vogt · CC BY 4.0
El Paso, TXMetro
Volume 15Mix 1.27% of portfolio
46/100
Sound
9© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 12Mix 1.02% of portfolio
41/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 1,125Mix 95.50% of portfolio
84/100
Exceptional
California
California
2
CaliforniaState
Volume 43Mix 3.65% of portfolio
48/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

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 Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

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.