Direct Lenders, Llc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Direct Lenders, Llc 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Direct Lenders, Llc 1600 Kennesaw Due West Road Suite 610 Lawrenceville, GA 30152 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2015 2012 |
| Total Number of Mortgage Applications | 423 |
| Total Mortgage Loan Application Amount | $127,275,000 |
| Average Mortgage Loan Application Amount | $252,000 |
| Highest Mortgage Loan Application Amount | $1,315,000 |
| Average Applicant Income | $141,750 |
| Highest Applicant Income | $862,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Direct Lenders, Llc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Direct Lenders, Llc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Direct Lenders, Llc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Direct Lenders, Llc serves its applicants.
Each category highlights the total number of mortgage applications processed by Direct Lenders, Llc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Direct Lenders, Llc's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cobb County Georgia | 108 | $ 34,840,000 | $ 322,000 | $ 136,000 |
| Cherokee County Georgia | 57 | $ 17,375,000 | $ 304,000 | $ 150,000 |
| Carroll County Georgia | 54 | $ 13,550,000 | $ 250,000 | $ 101,000 |
| Paulding County Georgia | 49 | $ 15,255,000 | $ 311,000 | $ 103,000 |
| Bartow County Georgia | 21 | $ 6,665,000 | $ 317,000 | $ 99,000 |
| Floyd County Georgia | 18 | $ 4,610,000 | $ 256,000 | $ 85,000 |
| Fulton County Georgia | 15 | $ 6,615,000 | $ 441,000 | $ 151,000 |
| Coweta County Georgia | 10 | $ 3,230,000 | $ 323,000 | $ 102,000 |
| Douglas County Georgia | 9 | $ 2,925,000 | $ 325,000 | $ 105,000 |
| Polk County Georgia | 8 | $ 1,820,000 | $ 227,000 | $ 69,000 |
| Haralson County Georgia | 7 | $ 1,805,000 | $ 257,000 | $ 89,000 |
| Gordon County Georgia | 6 | $ 1,590,000 | $ 265,000 | $ 93,000 |
| DeKalb County Georgia | 4 | $ 590,000 | $ 147,000 | $ 125,000 |
| Forsyth County Georgia | 4 | $ 1,550,000 | $ 387,000 | $ 167,000 |
| Santa Rosa County Florida | 3 | $ 725,000 | $ 241,000 | $ 81,000 |
| Lumpkin County Georgia | 3 | $ 865,000 | $ 288,000 | $ 35,000 |
| Cleburne County Alabama | 2 | $ 390,000 | $ 195,000 | $ 55,000 |
| Palm Beach County Florida | 2 | $ 830,000 | $ 415,000 | $ 121,000 |
| Clayton County Georgia | 2 | $ 280,000 | $ 140,000 | $ 175,000 |
| Gilmer County Georgia | 2 | $ 800,000 | $ 400,000 | $ 155,000 |
| Gwinnett County Georgia | 2 | $ 820,000 | $ 410,000 | $ 149,000 |
| Hall County Georgia | 2 | $ 670,000 | $ 335,000 | $ 240,000 |
| Heard County Georgia | 2 | $ 430,000 | $ 215,000 | $ 118,000 |
| Troup County Georgia | 2 | $ 650,000 | $ 325,000 | $ 105,000 |
| Chambers County Alabama | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Cherokee County Alabama | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Etowah County Alabama | 1 | $ 205,000 | $ 205,000 | $ 70,000 |
| Henry County Alabama | 1 | $ 75,000 | $ 75,000 | $ 86,000 |
| Randolph County Alabama | 1 | $ 555,000 | $ 555,000 | $ 156,000 |
| Russell County Alabama | 1 | $ 215,000 | $ 215,000 | $ 60,000 |
| Bay County Florida | 1 | $ 245,000 | $ 245,000 | $ 75,000 |
| Duval County Florida | 1 | $ 355,000 | $ 355,000 | $ 85,000 |
| Hamilton County Florida | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Polk County Florida | 1 | $ 255,000 | $ 255,000 | $ 59,000 |
| Sarasota County Florida | 1 | $ 535,000 | $ 535,000 | $ 212,000 |
| St. Lucie County Florida | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| Volusia County Florida | 1 | $ 365,000 | $ 365,000 | $ 122,000 |
| Barrow County Georgia | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Colquitt County Georgia | 1 | $ 235,000 | $ 235,000 | $ 133,000 |
| Fannin County Georgia | 1 | $ 365,000 | $ 365,000 | $ 95,000 |
| Glynn County Georgia | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Harris County Georgia | 1 | $ 255,000 | $ 255,000 | $ 72,000 |
| Houston County Georgia | 1 | $ 605,000 | $ 605,000 | $ 288,000 |
| Jackson County Georgia | 1 | $ 395,000 | $ 395,000 | $ 147,000 |
| Morgan County Georgia | 1 | $ 375,000 | $ 375,000 | $ 117,000 |
| Murray County Georgia | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Muscogee County Georgia | 1 | $ 215,000 | $ 215,000 | $ 160,000 |
| Pickens County Georgia | 1 | $ 385,000 | $ 385,000 | $ 127,000 |
| Pike County Georgia | 1 | $ 365,000 | $ 365,000 | $ 74,000 |
| Spalding County Georgia | 1 | $ 215,000 | $ 215,000 | $ 75,000 |
| Union County Georgia | 1 | $ 355,000 | $ 355,000 | $ 92,000 |
| Walker County Georgia | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Anderson County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 71,000 |
| Shelby County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Utah County Utah | 1 | $ 415,000 | $ 415,000 | $ 150,000 |
Mortgage Loan Application Detail Totals for Direct Lenders, Llc in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 357 | $112,295,000 | $314,000 | $1,315,000 | $116,000 | $525,000 |
| Cash-out Refinancing | 39 | $9,255,000 | $237,000 | $465,000 | $97,000 | $204,000 |
| Other Purpose | 17 | $2,795,000 | $164,000 | $445,000 | $174,000 | $421,000 |
| Refinancing | 10 | $2,930,000 | $293,000 | $645,000 | $180,000 | $862,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 265 | $79,185,000 | $298,000 | $815,000 | $117,000 | $450,000 |
| Not Provided | 128 | $40,500,000 | $316,000 | $1,315,000 | $127,000 | $862,000 |
| Black or African American | 19 | $4,885,000 | $257,000 | $495,000 | $82,000 | $191,000 |
| Hispanic | 9 | $2,055,000 | $228,000 | $325,000 | $86,000 | $151,000 |
| Asian | 2 | $650,000 | $325,000 | $385,000 | $189,000 | $253,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 284 | $85,740,000 | $301,000 | $1,315,000 | $131,000 | $862,000 |
| FHA-insured (Federal Housing Administration) | 93 | $24,985,000 | $268,000 | $465,000 | $84,000 | $247,000 |
| VA-guaranteed (Veterans Administration) | 42 | $15,560,000 | $370,000 | $815,000 | $108,000 | $288,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $990,000 | $247,000 | $275,000 | $74,000 | $84,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 276 | $82,760,000 | $299,000 | $815,000 | $119,000 | $862,000 |
| Application Withdrawn By Applicant | 133 | $41,465,000 | $311,000 | $1,315,000 | $121,000 | $525,000 |
| Application Denied By Financial Institution | 14 | $3,050,000 | $217,000 | $555,000 | $65,000 | $140,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 409 | $124,225,000 | $303,000 | $1,315,000 | $120,000 | $862,000 |
| Debt-To-Income Ratio | 4 | $1,060,000 | $265,000 | $555,000 | $73,000 | $94,000 |
| Employment History | 4 | $630,000 | $157,000 | $215,000 | $43,000 | $67,000 |
| Collateral | 2 | $460,000 | $230,000 | $365,000 | $117,000 | $140,000 |
| Credit History | 2 | $330,000 | $165,000 | $165,000 | $54,000 | $73,000 |
| Unverifiable Information | 2 | $570,000 | $285,000 | $305,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Direct Lenders, Llc's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Direct Lenders, Llc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.