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DIRECTIONS EQUITY, LLC
Independent Mortgage Company|SAN ANTONIO, TX|Multi-Region
Loans Originated
1,178
Applications
1,578
Volume
$373 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.228%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,520
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
74.7%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Report Card
DIRECTIONS EQUITY, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Multi-Regional · 10 metro areas · 7 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$316,995
Average Borrower Income
$117,332
Average Property Value
$347,852
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Sound | 298 | 25.3% | +0.411% | $4,057 |
FHA Loans | Strong | Strong | Strong | Exceptional | 520 | 44.1% | +0.333% | $1,449 |
VA Loans | Strong | Strong | Strong | Exceptional | 355 | 30.1% | -0.666% | $2,350 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 1,138 | 96.6% | +0.233% | $2,382 |
Refinance | Sound | Sound | Acceptable | Sound | 40 | 3.4% | +0.173% | $4,021 |
Geographic Coverage
Metro Areas
9
States Served
7
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CAFLMSNCNMTNTX
Top Metro Areas by Place Specialization Score
1
San Antonio, TXMSA
Volume: 703Mix: 59.68%
Place Specialization
Exceptional
2
McAllen, TXMSA
Volume: 145Mix: 12.31%
Place Specialization
Exceptional
3
Odessa, TX, TXMSA
Volume: 47Mix: 3.99%
Place Specialization
Strong
4
Midland, TX, TXMSA
Volume: 65Mix: 5.52%
Place Specialization
Strong
5
Brownsville, TXMSA
Volume: 47Mix: 3.99%
Place Specialization
Strong
6
Modesto, CA, CAMSA
Volume: 29Mix: 2.46%
Place Specialization
Strong
7
Houston, TXMSA
Volume: 30Mix: 2.55%
Place Specialization
Sound
8
El Paso, TX, TXMSA
Volume: 15Mix: 1.27%
Place Specialization
Sound
9
Austin, TXMSA
Volume: 12Mix: 1.02%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 1,125Mix: 95.50%
Place Specialization
Exceptional
2
CAState
Volume: 43Mix: 3.65%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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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