CU MORTGAGE DIRECT, LLC
CU MORTGAGE DIRECT, LLC received 237 applications in 2025 and made 169 mortgages, in 33 counties across 2 states. The median rate its borrowers got was 6.125% on a median loan of $235,000. Of 187 decisions, 18 were denials — 9.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300VHSPIDK7A5D559 |
|---|---|
| Applications received | 237 |
| Mortgages made | 169 |
| Denied | 18 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 50 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.036 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 127 | 6.125% | $245,000 | 6.6% |
| Refinancing | 14 | 5.875% | $245,000 | 0.0% |
| Cash-out refinancing | 28 | 6.313% | $180,000 | 24.3% |
Where CU MORTGAGE DIRECT, LLC lends most
The 33 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Minnehaha County, SD | 54 | 6.125% | 5.3% |
| Lincoln County, SD | 28 | 6.313% | 12.5% |
| Lake County, SD | 21 | 6.500% | 4.6% |
| Codington County, SD | 11 | 6.375% | 8.3% |
| Marshall County, SD | 6 | Under 10 loans | 0.0% |
| Yankton County, SD | 6 | Under 10 loans | 14.3% |
| Charles Mix County, SD | 5 | Under 10 loans | 28.6% |
| Clay County, SD | 5 | Under 10 loans | 0.0% |
| Gregory County, SD | 4 | Under 10 loans | 20.0% |
| Turner County, SD | 4 | Under 10 loans | 0.0% |
| Pennington County, SD | 3 | Under 10 loans | 0.0% |
| Union County, SD | 3 | Under 10 loans | 0.0% |
| Bon Homme County, SD | 2 | Under 10 loans | 50.0% |
| Brown County, SD | 2 | Under 10 loans | 0.0% |
| Aurora County, SD | 1 | Under 10 loans | 50.0% |
| Brookings County, SD | 1 | Under 10 loans | 0.0% |
| Davison County, SD | 1 | Under 10 loans | 0.0% |
| Day County, SD | 1 | Under 10 loans | 0.0% |
| Deuel County, SD | 1 | Under 10 loans | 0.0% |
| Douglas County, SD | 1 | Under 10 loans | 0.0% |
| Edmunds County, SD | 1 | Under 10 loans | 0.0% |
| Fall River County, SD | 1 | Under 10 loans | 0.0% |
| Hamlin County, SD | 1 | Under 10 loans | 0.0% |
| Hutchinson County, SD | 1 | Under 10 loans | 0.0% |
| Kingsbury County, SD | 1 | Under 10 loans | 0.0% |
| Miner County, SD | 1 | Under 10 loans | 0.0% |
| Moody County, SD | 1 | Under 10 loans | 0.0% |
| Roberts County, SD | 1 | Under 10 loans | 0.0% |
| Tripp County, SD | 1 | Under 10 loans | 0.0% |
| Woodbury County, IA | 0 | Under 10 loans | Not published |
| Hughes County, SD | 0 | Under 10 loans | Not published |
| Jerauld County, SD | 0 | Under 10 loans | Not published |
| Stanley County, SD | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.