Directions Credit Union, Inc. mortgage approval rate & lending review
Directions Credit Union, Inc. decided 1,868 mortgage applications and funded 1,555 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Directions Credit Union, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Directions Credit Union, Inc. at a glance
Approval is 7.8 points above the 75.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 727 / 760 | 100% | $205K | 727 |
| Home improvement loans | 71% | 543 / 763 | 100% | $45K | 543 |
| Cash-out refinance | 84% | 59 / 70 | 100% | $165K | 59 |
| Refinance | 79% | 143 / 182 | 100% | $65K | 143 |
| Investment property purchase | 90% | 61 / 68 | 100% | $105K | 61 |
Directions Credit Union, Inc. lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Directions Credit Union, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lucas County, OH | Mortgage lenders | 96% | 426 | 409 |
| Lucas County, OH | Home improvement loans | 69% | 369 | 253 |
| Monroe County, MI | Mortgage lenders | 96% | 134 | 129 |
| Richland County, OH | Home improvement loans | 74% | 151 | 111 |
| Monroe County, MI | Home improvement loans | 79% | 121 | 96 |
| Wood County, OH | Mortgage lenders | 96% | 85 | 82 |
| Lucas County, OH | Refinance | 81% | 90 | 73 |
| Richland County, OH | Mortgage lenders | 91% | 68 | 62 |
| Wood County, OH | Home improvement loans | 73% | 79 | 58 |
| Lucas County, OH | Investment property purchase | 84% | 44 | 37 |
| Lucas County, OH | Cash-out refinance | 86% | 36 | 31 |
| Monroe County, MI | Refinance | 77% | 39 | 30 |
The county markets where Directions Credit Union, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Directions Credit Union, Inc.
What is Directions Credit Union, Inc.'s mortgage approval rate?
Directions Credit Union, Inc. approved 83.2% of the 1,868 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.8 points above the 75.4% national rate for the same mix of loan types.
How often do borrowers take the loan Directions Credit Union, Inc. offers?
Borrowers accepted 100% of the loans Directions Credit Union, Inc. approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Directions Credit Union, Inc. make?
The typical home improvement loan loan Directions Credit Union, Inc. made was $45K; across all loan types its typical loan ran from $45K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Directions Credit Union, Inc. lend?
Directions Credit Union, Inc. decided applications in 14 of the states Fat Boy Data covers, most of them in Ohio, Michigan and Florida.
Can I apply to Directions Credit Union, Inc. directly?
Yes. Directions Credit Union, Inc. is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Directions Credit Union, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Directions Credit Union, Inc. treats applications, then get a rate quote from the lender.