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DIRECT MORTGAGE, CORP.
Independent Mortgage Company|Salt Lake City, UT|Multi-Region
Loans Originated
476
Applications
556
Volume
$204 million
Offers loans directly to consumers
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Pullthrough Rate
85.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Report Card
DIRECT MORTGAGE, CORP. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | Multi-Regional · 9 metro areas · 19 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$429,076
Average Borrower Income
$152,630
Average Property Value
$575,147
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | N/A | Strong | 316 | 66.4% | — | — |
FHA Loans | Strong | Strong | N/A | Exceptional | 116 | 24.4% | — | — |
VA Loans | Strong | Strong | N/A | Strong | 33 | 6.9% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | N/A | Strong | 399 | 83.8% | — | — |
Refinance | Sound | Sound | N/A | Strong | 77 | 16.2% | — | — |
Geographic Coverage
Metro Areas
8
States Served
19
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ARAZCACOFLGAIDILINNCNMNVOHORTNTXUTVAWY
Top Metro Areas by Place Specialization Score
1
Salt Lake City, UTMSA
Volume: 171Mix: 35.92%
Place Specialization
Exceptional
2
Ogden, UT, UTMSA
Volume: 52Mix: 10.92%
Place Specialization
Strong
3
Provo, UTMSA
Volume: 55Mix: 11.55%
Place Specialization
Strong
4
Riverside, CAMSA
Volume: 39Mix: 8.19%
Place Specialization
Sound
5
Denver, COMSA
Volume: 22Mix: 4.62%
Place Specialization
Sound
6
Houston, TXMSA
Volume: 24Mix: 5.04%
Place Specialization
Sound
7
St. George, UT, UTMSA
Volume: 10Mix: 2.10%
Place Specialization
Sound
8
Phoenix, AZMSA
Volume: 11Mix: 2.31%
Place Specialization
Sound
Top States by Place Specialization Score
1
UTState
Volume: 317Mix: 66.60%
Place Specialization
Exceptional
2
COState
Volume: 28Mix: 5.88%
Place Specialization
Sound
3
CAState
Volume: 41Mix: 8.61%
Place Specialization
Sound
4
TXState
Volume: 28Mix: 5.88%
Place Specialization
Sound
5
AZState
Volume: 15Mix: 3.15%
Place Specialization
Sound
6
FLState
Volume: 11Mix: 2.31%
Place Specialization
Acceptable
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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