Lender in Ohio · HMDA 2025
Directions Credit Union, Inc. mortgages in Ohio
Directions Credit Union, Inc.'s 2025 home-purchase and refinance lending in Ohio, compared with all lenders in the state.
Directions Credit Union, Inc. originated 273 owner-occupied single-family loans in Ohio from 290 completed applications.
Its median conventional purchase loan costs were $3,350 versus $4,610 for all Ohio lenders, at a median 30-year fixed rate of 6.375% (Ohio: 6.625%).
Loans in OH
273
of 290 applications
Denial rate
4.5%
Purchase · OH 7.1%
Rate spread
+0.01 pts
Conv. · OH +0.22 pts
Loan amount
$215,000
Purchase · OH $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 243 | 232 | 4.5% | 6.375% | +0.01 pts | $3,350 | $215,000 |
| Refinance | 11 | 11 | — | — | — | — | — |
| Cash-out refinance | 36 | 30 | 16.7% | 6.625% | +0.04 pts | $2,600 | $145,000 |
*Conventional loans only; medians with at least 20 loans.
Ohio counties where Directions Credit Union, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lucas County | 7 | 174 | 3.7% |
| Ashland County | 11 | 11 | 1.7% |
| Richland County | 12 | 25 | 1.6% |
| Wood County | 13 | 32 | 2.0% |
| Henry County | 21 | 3 | 0.9% |
| Fulton County | 25 | 4 | 0.8% |
| Huron County | 25 | 4 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology