# DIRECT MORTGAGE, CORP.

> **Canonical URL:** https://saferate.com/lenders/direct-mortgage


> **📋 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


DIRECT MORTGAGE, CORP. is a independent mortgage company, headquartered in Salt Lake City, UT, serving borrowers across 19 states, with 476 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300XAHXRVSRML8V19
- **Headquarters:** Salt Lake City, UT
- **Geographic Reach:** Multi-Region
- **States Served:** 19
- **State List:** AR, AZ, CA, CO, FL, GA, ID, IL, IN, NC, NM, NV, OH, OR, TN, TX, UT, VA, WY
- **Markets (MSAs):** 9
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)


### Lending Volume
- **Total Loans:** 476
- **Dollar Volume:** $204 million
- **Applications Received:** 556
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $429,076
- **Average Borrower Income:** $152,630
- **Average Property Value:** $575,147

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 316 | - | - | Sound ☺️ |
| FHA | 66/100 | 116 | - | - | Strong 😀 |
| VA | 64/100 | 33 | - | - | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 261 loans, Score: 54/100 (Sound)
- Refinance: 55 loans, Score: 54/100 (Sound)

**FHA:**
- Purchase: 99 loans, Score: 65/100 (Strong)

**VA:**
- Purchase: 32 loans, Score: 64/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 399 | $175M | - | Sound ☺️ |
| Refinance | 57/100 | 77 | $29M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| UT | 317 | 0.70% | 80/100 |
| CA | 41 | 0.01% | 50/100 |
| CO | 28 | 0.03% | 50/100 |
| TX | 28 | 0.01% | 45/100 |
| AZ | 15 | 0.02% | 43/100 |
| FL | 11 | 0.00% | 35/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Salt Lake City | UT | 171 | 80/100 |
| Provo | UT | 55 | 66/100 |
| Ogden, UT | UT | 52 | 67/100 |
| Riverside | CA | 39 | 56/100 |
| Non |  | 38 | 39/100 |
| Houston | TX | 24 | 49/100 |
| Denver | CO | 22 | 50/100 |
| Phoenix | AZ | 11 | 40/100 |
| St. George, UT | UT | 10 | 44/100 |

## Frequently Asked Questions

### What loan types does DIRECT MORTGAGE, CORP. offer?

DIRECT MORTGAGE, CORP. 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 DIRECT MORTGAGE, CORP. offer mortgages?

DIRECT MORTGAGE, CORP. offers mortgages in 19 states: AR, AZ, CA, CO, FL, GA, ID, IL, IN, NC, NM, NV, OH, OR, TN, TX, UT, VA, WY.

### What type of lender is DIRECT MORTGAGE, CORP.?

DIRECT MORTGAGE, CORP. is a non-depository lender that specializes in mortgage origination, headquartered in Salt Lake City, UT.

### What is DIRECT MORTGAGE, CORP.'s loan approval success rate?

DIRECT MORTGAGE, CORP. has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/direct-mortgage

### How to Cite

> "DIRECT MORTGAGE, CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/direct-mortgage

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