Direct Lenders, Llc. Mortgage Lending & HMDA Data, 2012
In 2012, Direct Lenders, Llc. of Kennesaw, GA reported 1,534 mortgage applications totaling $227.8 million. The average application was for $148,494, and applicants reported an average income of $14,255. 41% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (571), Orlando-Kissimmee-Sanford, FL (47) and Tampa-St. Petersburg-Clearwater, FL (40) (applications in parentheses).
| Mortgage Company & Address | Direct Lenders, Llc. 1600 Kennesaw Due West Road Suite 610 Kennesaw, GA 30152 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2015 2012 |
| Total Number of Mortgage Applications | 1,534 |
| Total Mortgage Loan Application Amount | $227,791,000 |
| Average Mortgage Loan Application Amount | $148,494 |
| Highest Mortgage Loan Application Amount | $537,000 |
| Average Applicant Income | $14,255 |
| Highest Applicant Income | $420,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Direct Lenders, Llc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 571 | $ 82,380,000 | $ 144,273 | $ 17,000 |
| Orlando-Kissimmee-Sanford, FL | 47 | $ 8,748,000 | $ 186,127 | $ 33,000 |
| Tampa-St. Petersburg-Clearwater, FL | 40 | $ 6,763,000 | $ 169,075 | $ 28,000 |
| Savannah, GA | 39 | $ 5,869,000 | $ 150,487 | $ 7,000 |
| Jacksonville, FL | 37 | $ 6,256,000 | $ 169,081 | $ 22,000 |
| Houston-Sugar Land-Baytown, TX | 28 | $ 4,141,000 | $ 147,892 | $ 5,000 |
| San Antonio-New Braunfels, TX | 28 | $ 4,387,000 | $ 156,678 | $ 0 |
| Augusta-Richmond County, GA-SC | 26 | $ 3,819,000 | $ 146,884 | $ 12,000 |
| Riverside-San Bernardino-Ontario, CA | 22 | $ 4,070,000 | $ 185,000 | $ 0 |
| Austin-Round Rock-San Marcos, TX | 21 | $ 3,229,000 | $ 153,761 | $ 14,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 21 | $ 3,175,000 | $ 151,190 | $ 14,000 |
| Raleigh-Cary, NC | 21 | $ 2,840,000 | $ 135,238 | $ 4,000 |
| Warner Robins, GA | 18 | $ 2,565,000 | $ 142,500 | $ 2,000 |
| Birmingham-Hoover, AL | 17 | $ 2,907,000 | $ 171,000 | $ 18,000 |
| Fort Worth-Arlington, TX | 17 | $ 2,263,000 | $ 133,117 | $ 0 |
| Montgomery, AL | 17 | $ 2,516,000 | $ 148,000 | $ 19,000 |
| Palm Bay-Melbourne-Titusville, FL | 16 | $ 3,030,000 | $ 189,375 | $ 72,000 |
| Columbus, GA-AL | 15 | $ 2,096,000 | $ 139,733 | $ 0 |
| Gainesville, GA | 15 | $ 2,250,000 | $ 150,000 | $ 0 |
| Killeen-Temple-Fort Hood, TX | 14 | $ 1,786,000 | $ 127,571 | $ 0 |
| Rome, GA | 13 | $ 1,719,000 | $ 132,230 | $ 7,000 |
| Fayetteville, NC | 12 | $ 1,391,000 | $ 115,916 | $ 0 |
| Lakeland-Winter Haven, FL | 12 | $ 1,738,000 | $ 144,833 | $ 32,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 2,283,000 | $ 190,250 | $ 22,000 |
| Pensacola-Ferry Pass-Brent, FL | 12 | $ 2,053,000 | $ 171,083 | $ 0 |
| Athens-Clarke County, GA | 11 | $ 1,376,000 | $ 125,090 | $ 4,000 |
| Crestview-Fort Walton Beach-Destin, FL | 11 | $ 1,839,000 | $ 167,181 | $ 0 |
| Hinesville-Fort Stewart, GA | 11 | $ 1,429,000 | $ 129,909 | $ 4,000 |
| North Port-Bradenton-Sarasota, FL | 11 | $ 1,936,000 | $ 176,000 | $ 25,000 |
| Dallas-Plano-Irving, TX | 10 | $ 1,751,000 | $ 175,100 | $ 7,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 2,170,000 | $ 217,000 | $ 0 |
| Albany, GA | 9 | $ 1,304,000 | $ 144,888 | $ 13,000 |
| Dalton, GA | 9 | $ 1,081,000 | $ 120,111 | $ 10,000 |
| Huntsville, AL | 9 | $ 1,193,000 | $ 132,555 | $ 0 |
| Mobile, AL | 9 | $ 1,161,000 | $ 129,000 | $ 3,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 8 | $ 1,418,000 | $ 177,250 | $ 37,000 |
| Greensboro-High Point, NC | 8 | $ 1,116,000 | $ 139,500 | $ 4,000 |
| Jacksonville, NC | 8 | $ 1,088,000 | $ 136,000 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 8 | $ 999,000 | $ 124,875 | $ 8,000 |
| Port St. Lucie, FL | 7 | $ 1,222,000 | $ 174,571 | $ 38,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 1,121,000 | $ 160,142 | $ 12,000 |
| Auburn-Opelika, AL | 6 | $ 1,121,000 | $ 186,833 | $ 12,000 |
| Chattanooga, TN-GA | 6 | $ 726,000 | $ 121,000 | $ 0 |
| El Paso, TX | 6 | $ 863,000 | $ 143,833 | $ 7,000 |
| Tuscaloosa, AL | 6 | $ 790,000 | $ 131,666 | $ 48,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,005,000 | $ 201,000 | $ 57,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 5 | $ 643,000 | $ 128,600 | $ 0 |
| Macon, GA | 5 | $ 642,000 | $ 128,400 | $ 0 |
| Tallahassee, FL | 5 | $ 636,000 | $ 127,200 | $ 0 |
| Valdosta, GA | 5 | $ 612,000 | $ 122,400 | $ 0 |
| Winston-Salem, NC | 5 | $ 623,000 | $ 124,600 | $ 0 |
| Brunswick, GA | 4 | $ 575,000 | $ 143,750 | $ 0 |
| Naples-Marco Island, FL | 4 | $ 777,000 | $ 194,250 | $ 57,000 |
| Ocala, FL | 4 | $ 431,000 | $ 107,750 | $ 0 |
| San Diego-Carlsbad-San Marcos, CA | 4 | $ 932,000 | $ 233,000 | $ 0 |
| Wilmington, NC | 4 | $ 683,000 | $ 170,750 | $ 0 |
| Dothan, AL | 3 | $ 353,000 | $ 117,666 | $ 0 |
| Greenville, NC | 3 | $ 291,000 | $ 97,000 | $ 0 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 316,000 | $ 105,333 | $ 0 |
| Oakland-Fremont-Hayward, CA | 3 | $ 597,000 | $ 199,000 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 3 | $ 464,000 | $ 154,666 | $ 0 |
| Wichita Falls, TX | 3 | $ 298,000 | $ 99,333 | $ 0 |
| Amarillo, TX | 2 | $ 292,000 | $ 146,000 | $ 0 |
| Bakersfield-Delano, CA | 2 | $ 377,000 | $ 188,500 | $ 0 |
| Beaumont-Port Arthur, TX | 2 | $ 435,000 | $ 217,500 | $ 0 |
| Corpus Christi, TX | 2 | $ 221,000 | $ 110,500 | $ 0 |
| Decatur, AL | 2 | $ 203,000 | $ 101,500 | $ 8,000 |
| Goldsboro, NC | 2 | $ 239,000 | $ 119,500 | $ 0 |
| Laredo, TX | 2 | $ 347,000 | $ 173,500 | $ 0 |
| Palm Coast, FL | 2 | $ 269,000 | $ 134,500 | $ 0 |
| Rocky Mount, NC | 2 | $ 217,000 | $ 108,500 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 290,000 | $ 145,000 | $ 0 |
| Stockton, CA | 2 | $ 388,000 | $ 194,000 | $ 0 |
| Abilene, TX | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Anniston-Oxford, AL | 1 | $ 106,000 | $ 106,000 | $ 0 |
| Asheville, NC | 1 | $ 89,000 | $ 89,000 | $ 0 |
| Burlington, NC | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Cleveland-Elyria-Mentor, OH | 1 | $ 92,000 | $ 92,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 166,000 | $ 166,000 | $ 0 |
| Denver-Aurora-Broomfield, CO | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Fresno, CA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Gadsden, AL | 1 | $ 154,000 | $ 154,000 | $ 0 |
| Gainesville, FL | 1 | $ 402,000 | $ 402,000 | $ 105,000 |
| Lubbock, TX | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Merced, CA | 1 | $ 173,000 | $ 173,000 | $ 0 |
| Modesto, CA | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 443,000 | $ 443,000 | $ 0 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Punta Gorda, FL | 1 | $ 116,000 | $ 116,000 | $ 0 |
| Redding, CA | 1 | $ 134,000 | $ 134,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 206,000 | $ 206,000 | $ 0 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Vallejo-Fairfield, CA | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 102,000 | $ 102,000 | $ 0 |
| Waco, TX | 1 | $ 104,000 | $ 104,000 | $ 0 |
| Yuba City, CA | 1 | $ 184,000 | $ 184,000 | $ 0 |
Mortgage Loan Application Detail Totals for Direct Lenders, Llc. in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,455 | $216,291,000 | $148,000 | $537,000 | $12,000 | $420,000 |
| Home Purchase | 76 | $11,072,000 | $145,000 | $357,000 | $58,000 | $360,000 |
| Home Improvement | 3 | $428,000 | $142,000 | $158,000 | $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 | 750 | $113,939,000 | $151,000 | $537,000 | $18,000 | $420,000 |
| Not Provided | 393 | $57,873,000 | $147,000 | $439,000 | $12,000 | $240,000 |
| Black or African American | 282 | $39,938,000 | $141,000 | $352,000 | $8,000 | $258,000 |
| Hispanic | 89 | $12,849,000 | $144,000 | $400,000 | $6,000 | $104,000 |
| Asian | 16 | $2,459,000 | $153,000 | $357,000 | $11,000 | $72,000 |
| American Indian or Alaskan Native | 3 | $643,000 | $214,000 | $290,000 | $61,000 | $185,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $90,000 | $90,000 | $90,000 | $115,000 | $115,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 877 | $117,112,000 | $133,000 | $402,000 | $8,000 | $360,000 |
| VA-guaranteed (Veterans Administration) | 515 | $79,355,000 | $154,000 | $537,000 | $2,000 | $216,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 142 | $31,324,000 | $220,000 | $439,000 | $92,000 | $420,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 627 | $91,626,000 | $146,000 | $443,000 | $7,000 | $329,000 |
| Application Denied By Financial Institution | 406 | $59,267,000 | $145,000 | $417,000 | $16,000 | $412,000 |
| Application Withdrawn By Applicant | 396 | $61,313,000 | $154,000 | $537,000 | $19,000 | $420,000 |
| File Closed For Incompleteness | 90 | $13,747,000 | $152,000 | $439,000 | $22,000 | $360,000 |
| Preapproval Denied by Financial Institution | 12 | $1,511,000 | $125,000 | $165,000 | $32,000 | $56,000 |
| Application Approved But Not Accepted | 2 | $234,000 | $117,000 | $118,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 1 | $93,000 | $93,000 | $93,000 | $66,000 | $66,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 271 | $37,372,000 | $137,000 | $417,000 | $10,000 | $412,000 |
| Other | 29 | $5,353,000 | $184,000 | $357,000 | $45,000 | $206,000 |
| Collateral | 24 | $3,793,000 | $158,000 | $332,000 | $25,000 | $107,000 |
| Debt-To-Income Ratio | 16 | $3,257,000 | $203,000 | $328,000 | $55,000 | $112,000 |
| Employment History | 3 | $409,000 | $136,000 | $150,000 | $23,000 | $49,000 |
| Mortgage Insurance Denied | 2 | $326,000 | $163,000 | $207,000 | $68,000 | $136,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Direct Lenders, Llc.'s 2012 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.
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