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CU MORTGAGE DIRECT, LLC
Independent Mortgage Company|SIOUX FALLS, SD|Single State
Loans Originated
123
Applications
180
Volume
$30 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐FHA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.050%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,486
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
68.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
CU MORTGAGE DIRECT, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Sound | Industry Standard | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Strong | Single State · 2 metro areas · 1 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$244,106
Average Borrower Income
$115,707
Average Property Value
$316,870
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Sound | Sound | 78 | 63.4% | +0.110% | $2,966 |
FHA Loans | Strong | Sound | Exceptional | Sound | 29 | 23.6% | +0.175% | $1,161 |
VA Loans | Sound | Sound | N/A | N/A | 10 | 8.1% | -0.850% | $1,721 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Strong | Sound | 104 | 84.6% | +0.024% | $2,250 |
Refinance | Sound | Sound | N/A | Sound | 19 | 15.4% | +0.172% | $3,603 |
Geographic Coverage
Metro Areas
1
States Served
1
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
SD
Top Metro Areas by Place Specialization Score
1
Sioux Falls, SD, SD-MNMSA
Volume: 58Mix: 47.15%
Place Specialization
Strong
Top States by Place Specialization Score
1
SDState
Volume: 123Mix: 100.00%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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