What loan types does CU Mortgage Direct offer?

CU Mortgage Direct offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does CU Mortgage Direct offer mortgages?

CU Mortgage Direct offers mortgages in 1 states: SD.

How competitive are CU Mortgage Direct's mortgage rates?

CU Mortgage Direct has an overall pricing score of 57/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is CU Mortgage Direct?

CU Mortgage Direct is a Independent Mortgage Company headquartered in SIOUX FALLS, SD.

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CU Mortgage Direct

Independent Mortgage Company•Sioux Falls, SDHQ•Direct•Reviews near you on Google

CU Mortgage Direct has 123 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Strong

4/5

Single State · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

FHA

Superstar

Summary

What They Do Well

Strong pull through performance

Explore another lender or local market

Report Card

CU Mortgage Direct performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+5.0 bps above market avg

3/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

78 loans · 0.11% above market

Sound

Top 60% of lenders

3/5

FHA

29 loans · 0.17% above market

Sound

Top 60% of lenders

3/5

10 loans · 0.85% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

104 loans · 0.02% above market

Sound

Top 60% of lenders

3/5

Refinance

19 loans · 0.17% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 2 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

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%Above	$2,966Fees
FHA Loans	Strong	Sound	Exceptional	Sound	29	23.6%	+0.175%Above	$1,161Fees
VA Loans	Sound	Sound	—	—	10	8.1%	-0.850%Below	$1,721Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume78

Mix63.4%

Spread

+0.110%Above

Fees

$2,966Fees

FHA Loans

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume29

Mix23.6%

Spread

+0.175%Above

Fees

$1,161Fees

VA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume10

Mix8.1%

Spread

-0.850%Below

Fees

$1,721Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Strong	Sound	104	84.6%	+0.024%Above	$2,250Fees
Refinance	Sound	Sound	—	Sound	19	15.4%	+0.172%Above	$3,603Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume104

Mix84.6%

Spread

+0.024%Above

Fees

$2,250Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume19

Mix15.4%

Spread

+0.172%Above

Fees

$3,603Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

123

Applications

180

Volume

$30 million

Pricing & Closing

Avg Rate Spread

+0.050%

vs. market APOR

Avg Net Fees

$2,486

Origination − Credits

Pullthrough Rate

68.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$244,106

Avg Borrower Income

$115,707

Avg Property Value

$316,870

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest1

Top Metro Areas by Place Specialization Score

Sioux Falls, SD, SD-MNMetro

Volume 58Mix 47.15% of portfolio

71/100

Strong

Top States by Place Specialization Score

South DakotaState

Volume 123Mix 100.00% of portfolio

79/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.