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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
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
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 10 markets
Strong
Top 40% of lenders

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

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
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 our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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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.