Directions Credit Union, Inc.
Directions Credit Union, Inc. received 1,141 applications in 2025 and made 865 mortgages, in 49 counties across 9 states. The median rate its borrowers got was 6.875% on a median loan of $95,000. Of 1,093 decisions, 228 were denials — 20.9%, most often for debt-to-income ratio. 8 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900UHFHT3IWKY8K19 |
|---|---|
| Applications received | 1,141 |
| Mortgages made | 865 |
| Denied | 228 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 48 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.2 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 321 | 6.375% | $215,000 | 4.8% |
| Refinancing | 74 | 7.000% | $85,000 | 17.8% |
| Cash-out refinancing | 55 | 6.625% | $165,000 | 12.7% |
| Other purposes | 415 | 7.000% | $55,000 | 31.2% |
Where Directions Credit Union, Inc. lends most
The 49 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lucas County, OH | 385 | 6.750% | 18.3% |
| Monroe County, MI | 130 | 6.750% | 14.5% |
| Richland County, OH | 113 | 7.000% | 27.1% |
| Wood County, OH | 85 | 7.000% | 15.8% |
| Ashland County, OH | 37 | 7.000% | 27.5% |
| Wayne County, OH | 25 | 7.000% | 24.2% |
| Huron County, OH | 16 | 7.000% | 23.8% |
| Fulton County, OH | 10 | 7.000% | 28.6% |
| Ottawa County, OH | 9 | Under 10 loans | 18.2% |
| Crawford County, OH | 8 | Under 10 loans | 50.0% |
| Lenawee County, MI | 5 | Under 10 loans | 0.0% |
| Henry County, OH | 5 | Under 10 loans | 16.7% |
| Sandusky County, OH | 4 | Under 10 loans | 20.0% |
| Tuscarawas County, OH | 3 | Under 10 loans | 62.5% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Hillsdale County, MI | 2 | Under 10 loans | 0.0% |
| Carroll County, OH | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Lake County, IL | 1 | Under 10 loans | 0.0% |
| Howard County, IN | 1 | Under 10 loans | 0.0% |
| Branch County, MI | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Manistee County, MI | 1 | Under 10 loans | 0.0% |
| Montmorency County, MI | 1 | Under 10 loans | 0.0% |
| Roscommon County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, OH | 1 | Under 10 loans | 0.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Erie County, OH | 1 | Under 10 loans | 0.0% |
| Hancock County, OH | 1 | Under 10 loans | 50.0% |
| Hardin County, OH | 1 | Under 10 loans | 0.0% |
| Logan County, OH | 1 | Under 10 loans | 0.0% |
| Lorain County, OH | 1 | Under 10 loans | 0.0% |
| Medina County, OH | 1 | Under 10 loans | 0.0% |
| Morrow County, OH | 1 | Under 10 loans | 0.0% |
| Stark County, OH | 1 | Under 10 loans | 0.0% |
| Williams County, OH | 1 | Under 10 loans | 0.0% |
| Greenville County, SC | 1 | Under 10 loans | 0.0% |
| Pocahontas County, WV | 1 | Under 10 loans | 0.0% |
| Clare County, MI | 0 | Under 10 loans | Not published |
| Washtenaw County, MI | 0 | Under 10 loans | Not published |
| Franklin County, OH | 0 | Under 10 loans | 100.0% |
| Holmes County, OH | 0 | Under 10 loans | 100.0% |
| Knox County, OH | 0 | Under 10 loans | 100.0% |
| Seneca County, OH | 0 | Under 10 loans | 100.0% |
| Summit County, OH | 0 | Under 10 loans | Not published |
| Sevier County, TN | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.