Direct Mortgage Loans, LLC mortgage approval rate & lending review
Direct Mortgage Loans, LLC decided 6,565 mortgage applications and funded 5,863 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Direct Mortgage Loans, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to directmortgageloans.com.
Direct Mortgage Loans, LLC at a glance
Approval is 12.8 points above the 85.3% 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 | 98% | 5,226 / 5,328 | 92% | $285K | 4,789 |
| Home improvement loans | 98% | 271 / 277 | 89% | $195K | 242 |
| Cash-out refinance | 99% | 91 / 92 | 85% | $185K | 77 |
| Refinance | 99% | 308 / 311 | 89% | $365K | 273 |
| Investment property purchase | 97% | 410 / 422 | 91% | $245K | 374 |
| Investment refinance | 100% | 59 / 59 | 73% | $195K | 43 |
| Investment home improvement | 98% | 58 / 59 | 84% | $195K | 49 |
Direct Mortgage Loans, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Maryland | 98% | $325K | 2,289 | 2,034 |
| Indiana | 98% | $215K | 751 | 687 |
| Arizona | 98% | $405K | 701 | 621 |
| South Carolina | 99% | $325K | 673 | 598 |
| Florida | 98% | $285K | 529 | 478 |
| Pennsylvania | 99% | $235K | 297 | 276 |
| Texas | 96% | $255K | 237 | 206 |
| Alabama | 99% | $185K | 198 | 183 |
| Delaware | 99% | $325K | 149 | 136 |
| Illinois | 94% | $235K | 139 | 116 |
| North Carolina | 100% | $355K | 127 | 107 |
| Ohio | 98% | $235K | 122 | 104 |
| District of Columbia | 97% | $345K | 98 | 83 |
| Nevada | 99% | $335K | 74 | 71 |
| Virginia | 100% | $475K | 38 | 35 |
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 Loans, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lake County, IN | Mortgage lenders | 98% | 539 | 493 |
| Baltimore County, MD | Mortgage lenders | 97% | 372 | 322 |
| Baltimore city, MD | Mortgage lenders | 97% | 372 | 322 |
| Brevard County, FL | Mortgage lenders | 98% | 322 | 297 |
| Harford County, MD | Mortgage lenders | 100% | 243 | 228 |
| Anne Arundel County, MD | Mortgage lenders | 98% | 200 | 187 |
| Charleston County, SC | Mortgage lenders | 99% | 183 | 166 |
| Dorchester County, SC | Mortgage lenders | 99% | 176 | 159 |
| Frederick County, MD | Mortgage lenders | 99% | 160 | 149 |
| Mobile County, AL | Mortgage lenders | 99% | 149 | 138 |
| Berkeley County, SC | Mortgage lenders | 99% | 156 | 138 |
| Franklin County, PA | Mortgage lenders | 100% | 110 | 103 |
The county markets where Direct Mortgage Loans, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Direct Mortgage Loans, LLC
What is Direct Mortgage Loans, LLC's mortgage approval rate?
Direct Mortgage Loans, LLC approved 98.1% of the 6,565 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.8 points above the 85.3% national rate for the same mix of loan types.
How often do borrowers take the loan Direct Mortgage Loans, LLC offers?
Borrowers accepted 91% of the loans Direct Mortgage Loans, LLC 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 Loans, LLC make?
The typical home purchase mortgage loan Direct Mortgage Loans, LLC made was $285K; across all loan types its typical loan ran from $185K to $365K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Direct Mortgage Loans, LLC lend?
Direct Mortgage Loans, LLC decided applications in 32 of the states Fat Boy Data covers, most of them in Maryland, Indiana and Arizona.
Can I apply to Direct Mortgage Loans, LLC directly?
Yes. Direct Mortgage Loans, LLC reports as a direct lender that takes applications from borrowers. Its website is directmortgageloans.com.
Does this page show Direct Mortgage Loans, LLC'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 Loans, LLC treats applications, then get a rate quote from the lender.