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Direct Mortgage

Independent Mortgage Company•Salt Lake City, UTHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Direct Mortgage — 476 loans across 556 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 8 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA loans

Explore another lender or local market

Report Card

Direct Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
316 loans
Sound
Top 60% of lenders
3/5
FHA
116 loans
Strong
Top 40% of lenders
4/5
VA
33 loans
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
399 loans
Sound
Top 60% of lenders
3/5
Refinance
77 loans
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 9 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing—
Pull Through
Strong
Volume316
Mix66.4%
Spread—
Fees—
FHA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Exceptional
Volume116
Mix24.4%
Spread—
Fees—
VA Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume33
Mix6.9%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing—
Pull Through
Strong
Volume399
Mix83.8%
Spread—
Fees—
Refinance
Overall
Strong
Product
Sound
Pricing—
Pull Through
Strong
Volume77
Mix16.2%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
476
Applications
556
Volume
$204 million
Pricing & Closing
Pullthrough Rate
85.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$429,076
Avg Borrower Income
$152,630
Avg Property Value
$575,147

Geographic Coverage

Geographic Performance

Metro Areas
8
markets with activity
States Served
19
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

19Full-year 2024 · HMDA
19 states with loan originations
Loans originated
< 2020–5050+None
Midwest3
ILINOH
South7
ARFLGANCTNTXVA
West9
AZCACOIDNMNVORUTWY

Top Metro Areas by Place Specialization Score

1© Garrett from Salt Lake City · CC BY 2.0
Salt Lake City, UTMetro
Volume 171Mix 35.92% of portfolio
80/100
Exceptional
2© Ntsimp · Public domain
Ogden, UTMetro
Volume 52Mix 10.92% of portfolio
67/100
Strong
3© Benjam63 · CC BY-SA 4.0
Provo, UTMetro
Volume 55Mix 11.55% of portfolio
66/100
Strong
4© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 39Mix 8.19% of portfolio
56/100
Sound
5© Quintin Soloviev · CC BY 4.0
Denver, COMetro
Volume 22Mix 4.62% of portfolio
50/100
Sound
6© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 24Mix 5.04% of portfolio
49/100
Sound
7© Jrozwado · CC BY-SA 4.0
St. George, UTMetro
Volume 10Mix 2.10% of portfolio
44/100
Sound
8© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 11Mix 2.31% of portfolio
40/100
Sound

Top States by Place Specialization Score

Utah
Utah
1
UtahState
Volume 317Mix 66.60% of portfolio
80/100
Exceptional
Colorado
Colorado
2
ColoradoState
Volume 28Mix 5.88% of portfolio
50/100
Sound
California
California
3
CaliforniaState
Volume 41Mix 8.61% of portfolio
50/100
Sound
Texas
Texas
4
TexasState
Volume 28Mix 5.88% of portfolio
45/100
Sound
Arizona
Arizona
5
ArizonaState
Volume 15Mix 3.15% of portfolio
43/100
Sound
Florida
Florida
6
FloridaState
Volume 11Mix 2.31% of portfolio
35/100
Acceptable

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
Champion(80%+ = 40-50 points)
Superstar
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.