# CU MORTGAGE DIRECT, LLC > **Canonical URL:** https://saferate.com/lenders/cu-mortgage-direct > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible CU MORTGAGE DIRECT, LLC is a independent mortgage company, headquartered in SIOUX FALLS, SD, with 123 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 43% of lenders for competitive rates - **Approval Rate:** Ranks in the top 39% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 549300VHSPIDK7A5D559 - **Headquarters:** SIOUX FALLS, SD - **Geographic Reach:** Single State - **States Served:** 1 - **State List:** SD - **Markets (MSAs):** 2 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 57/100 - Rating: ●●●○○ (3/5) ### Pull Through: Strong πŸ˜€ - Score: 61/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.050% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $2,486 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 123 - **Dollar Volume:** $30 million - **Applications Received:** 180 - **Market Share:** 0.00% ## Typical Borrower Profile - **Average Loan Amount:** $244,106 - **Average Borrower Income:** $115,707 - **Average Property Value:** $316,870 ## Safe Rate Awards πŸ† - ⭐ **FHA Gold Superstar** (65%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 40/100 | 78 | +0.110% | $2,966 | Sound ☺️ | | FHA | 59/100 | 29 | +0.175% | $1,161 | Sound ☺️ | | VA | 57/100 | 10 | -0.850% | $1,721 | Sound ☺️ | ### Product Performance by Purpose **Conventional:** - Purchase: 61 loans, Score: 39/100 (Acceptable) **FHA:** - Purchase: 28 loans, Score: 58/100 (Sound) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 47/100 | 104 | $25M | +0.024% | Sound ☺️ | | Refinance | 40/100 | 19 | $5M | +0.172% | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | SD | 123 | 1.38% | 79/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Non | | 61 | 53/100 | | Sioux Falls, SD | SD-MN | 58 | 71/100 | ## Where This Lender Ranks CU MORTGAGE DIRECT, LLC appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯ˆ **#2** in South Dakota for USDA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/south-dakota/best-mortgage-lenders/mortgage-companies/usda-loans) - πŸ† **#4** in Sioux Falls, SD Mortgage Companies - [View Full Rankings](https://saferate.com/sioux-falls-sd/best-mortgage-lenders/mortgage-companies) - πŸ† **#5** in South Dakota Mortgage Companies - [View Full Rankings](https://saferate.com/south-dakota/best-mortgage-lenders/mortgage-companies) - πŸ† **#6** in South Dakota for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/south-dakota/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#6** in Sioux Falls, SD for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/sioux-falls-sd/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#9** in Sioux Falls, SD for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/sioux-falls-sd/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#11** in South Dakota for USDA Loans - [View Full Rankings](https://saferate.com/south-dakota/best-mortgage-lenders/usda-loans) - πŸ† **#11** in Sioux Falls, SD for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/sioux-falls-sd/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#15** in South Dakota for VA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/south-dakota/best-mortgage-lenders/mortgage-companies/va-loans) - πŸ† **#15** in Sioux Falls, SD - [View Full Rankings](https://saferate.com/sioux-falls-sd/best-mortgage-lenders) - πŸ† **#16** in Sioux Falls, SD for FHA Loans - [View Full Rankings](https://saferate.com/sioux-falls-sd/best-mortgage-lenders/fha-loans) - πŸ† **#16** in Sioux Falls, SD for VA Loans - [View Full Rankings](https://saferate.com/sioux-falls-sd/best-mortgage-lenders/va-loans) - πŸ† **#18** in South Dakota for Conventional Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/south-dakota/best-mortgage-lenders/mortgage-companies/conventional-loans) - πŸ† **#19** in South Dakota - [View Full Rankings](https://saferate.com/south-dakota/best-mortgage-lenders) - πŸ† **#19** in South Dakota for FHA Loans - [View Full Rankings](https://saferate.com/south-dakota/best-mortgage-lenders/fha-loans) ## Frequently Asked Questions ### What loan types does CU MORTGAGE DIRECT, LLC offer? CU MORTGAGE DIRECT, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does CU MORTGAGE DIRECT, LLC offer mortgages? CU MORTGAGE DIRECT, LLC offers mortgages in 1 states: SD. ### How competitive are CU MORTGAGE DIRECT, LLC's mortgage rates? CU MORTGAGE DIRECT, LLC has a pricing score of 57/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.050% above market average. ### What type of lender is CU MORTGAGE DIRECT, LLC? CU MORTGAGE DIRECT, LLC is a non-depository lender that specializes in mortgage origination, headquartered in SIOUX FALLS, SD. ### What is CU MORTGAGE DIRECT, LLC's loan approval success rate? CU MORTGAGE DIRECT, LLC has a pull-through score of 61/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/cu-mortgage-direct ### How to Cite > "CU MORTGAGE DIRECT, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cu-mortgage-direct --- **[View Interactive Profile β†’](https://saferate.com/lenders/cu-mortgage-direct)**