# SMS Direct

> Mobile loan tracking and condition submission app. (iPhone/iPad app by SEFCU Services, LLC.)

- Source: https://appshunter.io/ios/app/sms-direct/id1438791953 (this page in markdown: same URL + `.md`)
- Developer: [SEFCU Services, LLC](https://appshunter.io/developer/1438791952)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.72/5 from 295 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 10.0 · 40 MB
- Languages: English, Spanish
- Released: 2018-10-23
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/sms-direct/id1438791953/reviews.md

## What is SMS Direct?

The SMS Direct  mobile app allows consumers, real estate agents and loan officers the ability to track their loan, receive real time updates and submit conditions via their mobile device. Users are able to verify loan information and status, receive push notification reminders for important dates (appraisal, loan commitment, closing, rate lock etc.), initiate a chat and remain engaged from origination to close.

## Key features

- Loan tracking
- Real-time updates
- Condition submission
- Loan information verification
- Push notification reminders
- In-app chat

## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/sms-direct/id1438791953/reviews.md

### 1/5 — Disappointment

*2023-02-26, version 8.0.0*

This app is not good. You have saturated this with so many safety precautions that it’s not enjoyable whatsoever. You have tried to make it easy and it’s just a jumbled mess: 

Your camera function is terrible. It never recognizes the object being captured, and you don’t just have an manual option to begin. I have to wait for the camera to realize it can’t recognize the object. Get rid of that function. It’s just way easier to use the other way. 

If I could leave your bank I would. Strictly based on this app. I liked the old one a lot better.

### 5/5 — Great member experience

*2020-08-13, version 7.0.1*

My realtor sent me this app and I am pumped she did!  I just sent this to 5 friends to use Laura Podbielski’s calculator on this App.  This isn’t your parent’s credit union.  This is the easiest way to home shop out there, I am in the App calculating daily and I already heard this App has trackers to make the whole process stress free.  The save a property feature is legit.

### 5/5 — Doesn’t work on iPhone 8 Plus

*2020-07-24, version 7.0.1*

I get a blank screen when  I try and login.

## Frequently asked questions about SMS Direct

### What does the SMS Direct app do?

The SMS Direct app allows users to track their loan progress, receive real-time updates, and submit conditions directly from their mobile device. It helps in verifying loan information and status throughout the loan lifecycle.

### What are the key features of SMS Direct?

Key features include loan tracking, real-time status updates, the ability to submit conditions, verify loan information, receive push notifications for important dates like appraisals and closings, and initiate in-app chats for engagement.

### Is SMS Direct free to use?

Based on the provided information, the app is available for free. There are no mentions of subscription fees, in-app purchases, or advertisements.

### Who is the target audience for SMS Direct?

This app is designed for consumers, real estate agents, and loan officers who need to manage and monitor the progress of their loans efficiently.

### What kind of notifications can I expect from SMS Direct?

You can expect push notification reminders for crucial loan-related dates. These include important milestones such as appraisal deadlines, loan commitment dates, closing dates, and rate lock expirations.

## Version history (last 5 releases)

### 8.0.0 — 2022-12-20

Update to LO view
Improved performance
Minor bug fixes

### 7.8.0 — 2022-05-13

Update to sharing and onboarding flow

### 7.7.0 — 2022-03-07

Minor bug fixes

### 7.5.0 — 2021-05-05

Improved LO view 
Bug fixes for performance

### 7.0.1 — 2020-07-23

Bug fixes
Cobranding Improvements
Easy Share

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*