Lender profile · HMDA 2023–2025
Direct Mortgage, Corp. mortgage approval rates & lending data
Direct Mortgage, Corp. decided 1,307 mortgage applications and funded 1,132 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 920 / 1,057 | 100% | $435K | 920 |
| Cash-out refinance | 86% | 98 / 114 | 100% | $305K | 98 |
| Refinance | 84% | 56 / 67 | 100% | $435K | 56 |
| Investment property purchase | 86% | 42 / 49 | 100% | $305K | 42 |
Direct Mortgage, Corp. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Utah | 90% | $455K | 680 | 613 |
| Texas | 80% | $415K | 194 | 155 |
| Colorado | 84% | $475K | 124 | 104 |
| California | 86% | $435K | 118 | 102 |
| Florida | 83% | $345K | 52 | 43 |
| Arizona | 83% | $395K | 48 | 40 |
| Nevada | 79% | $435K | 14 | 11 |
| Illinois | 100% | $335K | 11 | 11 |
| Maryland | 70% | $405K | 10 | 7 |
| Idaho | 89% | $285K | 9 | 8 |
| North Carolina | 88% | $325K | 8 | 7 |
| Virginia | 75% | $505K | 8 | 6 |
| South Carolina | 100% | $315K | 7 | 7 |
| Oregon | 67% | $425K | 6 | 4 |
| Georgia | 100% | $465K | 3 | 3 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.