Direct Mortgage, Corp. mortgage approval rate & lending review
Direct Mortgage, Corp. decided 1,307 mortgage applications and funded 1,132 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Direct Mortgage, Corp. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to directmortgage.com.
Direct Mortgage, Corp. at a glance
Approval is 1.5 points above the 85.2% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Direct Mortgage, Corp. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Salt Lake County, UT | Mortgage lenders | 91% | 278 | 252 |
| Utah County, UT | Mortgage lenders | 88% | 121 | 106 |
| Weber County, UT | Mortgage lenders | 92% | 51 | 47 |
| Davis County, UT | Mortgage lenders | 88% | 51 | 45 |
| Salt Lake County, UT | Cash-out refinance | 89% | 46 | 41 |
| Salt Lake County, UT | Refinance | 87% | 23 | 20 |
| Washington County, UT | Mortgage lenders | 90% | 20 | 18 |
The county markets where Direct Mortgage, Corp. made the most loans. Each link opens that market with every lender ranked.
Questions about Direct Mortgage, Corp.
What is Direct Mortgage, Corp.'s mortgage approval rate?
Direct Mortgage, Corp. approved 86.6% of the 1,307 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 1.5 points above the 85.2% national rate for the same mix of loan types.
How often do borrowers take the loan Direct Mortgage, Corp. offers?
Borrowers accepted 100% of the loans Direct Mortgage, Corp. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Direct Mortgage, Corp. make?
The typical home purchase mortgage loan Direct Mortgage, Corp. made was $435K; across all loan types its typical loan ran from $305K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Direct Mortgage, Corp. lend?
Direct Mortgage, Corp. decided applications in 23 of the states Fat Boy Data covers, most of them in Utah, Texas and Colorado.
Can I apply to Direct Mortgage, Corp. directly?
Yes. Direct Mortgage, Corp. reports as a direct lender that takes applications from borrowers. Its website is directmortgage.com.
Does this page show Direct Mortgage, Corp.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Direct Mortgage, Corp. treats applications, then get a rate quote from the lender.