Direct Mortgage Loans, LLC Mortgage Lending & HMDA Data, 2025
In 2025, Direct Mortgage Loans, LLC of Hunt Valley, MD reported 3,598 mortgage applications totaling $1.2 billion, up 9% from 2024. The average application was for $345,277, and applicants reported an average income of $140,660. 77% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Baltimore-Columbia-Towson, MD (977), Phoenix-Mesa-Scottsdale, AZ (426) and Charleston-North Charleston, SC (283) (applications in parentheses).
| Mortgage Company & Address | Direct Mortgage Loans, LLC 111011 McCormick Rd, Suite 400 Hunt Valley, MD 21031 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 |
| Total Number of Mortgage Applications | 3,598 |
| Total Mortgage Loan Application Amount | $1,242,310,000 |
| Average Mortgage Loan Application Amount | $345,277 |
| Highest Mortgage Loan Application Amount | $3,235,000 |
| Average Applicant Income | $140,660 |
| Highest Applicant Income | $5,473,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Direct Mortgage Loans, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Baltimore-Columbia-Towson, MD | 977 | $ 349,995,000 | $ 358,234 | $ 135,000 |
| Phoenix-Mesa-Scottsdale, AZ | 426 | $ 176,110,000 | $ 413,403 | $ 174,000 |
| Outside any metro area | 387 | $ 117,385,000 | $ 303,320 | $ 153,749 |
| Charleston-North Charleston, SC | 283 | $ 102,545,000 | $ 362,349 | $ 126,000 |
| Lake County-Porter County-Jasper County, IN | 265 | $ 64,475,000 | $ 243,301 | $ 94,000 |
| Washington-Baltimore-Arlington, DC | 170 | $ 69,070,000 | $ 406,294 | $ 145,000 |
| Palm Bay-Melbourne-Titusville, FL | 120 | $ 37,920,000 | $ 316,000 | $ 131,000 |
| Washington, DC-MD | 119 | $ 49,355,000 | $ 414,747 | $ 123,294 |
| Houston-The Woodlands-Sugar Land, TX | 94 | $ 27,490,000 | $ 292,446 | $ 143,000 |
| Chambersburg-Waynesboro, PA | 69 | $ 17,275,000 | $ 250,362 | $ 97,000 |
| Hagerstown-Martinsburg, MD-WV | 55 | $ 15,515,000 | $ 282,090 | $ 110,600 |
| Mobile, AL | 55 | $ 11,475,000 | $ 208,636 | $ 89,000 |
| Chicago-Naperville, IL | 53 | $ 14,505,000 | $ 273,679 | $ 114,000 |
| Dayton-Springfield-Kettering, OH | 32 | $ 6,590,000 | $ 205,937 | $ 141,000 |
| York-Hanover, PA | 32 | $ 9,940,000 | $ 310,625 | $ 131,000 |
| Arlington-Alexandria-Reston, VA-WV | 28 | $ 13,900,000 | $ 496,428 | $ 148,000 |
| Charlotte-Concord-Gastonia, NC-SC | 27 | $ 11,845,000 | $ 438,703 | $ 198,222 |
| Salisbury, MD-DE | 22 | $ 6,220,000 | $ 282,727 | $ 124,000 |
| Harrisburg-Carlisle, PA | 16 | $ 3,930,000 | $ 245,625 | $ 96,000 |
| Wilmington, DE-MD-NJ | 15 | $ 4,475,000 | $ 298,333 | $ 105,666 |
| Gettysburg, PA | 14 | $ 4,210,000 | $ 300,714 | $ 120,000 |
| Jacksonville, FL | 14 | $ 4,720,000 | $ 337,142 | $ 155,000 |
| Lexington Park, MD | 13 | $ 5,885,000 | $ 452,692 | $ 117,000 |
| Columbia, SC | 12 | $ 3,420,000 | $ 285,000 | $ 97,000 |
| Cincinnati, OH-KY-IN | 11 | $ 2,965,000 | $ 269,545 | $ 76,000 |
| Wilmington, NC | 10 | $ 4,030,000 | $ 403,000 | $ 194,000 |
| Dallas-Plano-Irving, TX | 9 | $ 7,365,000 | $ 818,333 | $ 1,359,000 |
| Louisville/Jefferson County, KY-IN | 9 | $ 1,965,000 | $ 218,333 | $ 84,666 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 8 | $ 2,190,000 | $ 273,750 | $ 140,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 5,090,000 | $ 636,250 | $ 275,000 |
| Flagstaff, AZ | 7 | $ 4,605,000 | $ 657,857 | $ 378,000 |
| Lancaster, PA | 7 | $ 2,145,000 | $ 306,428 | $ 127,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 2,155,000 | $ 307,857 | $ 137,000 |
| Pittsburgh, PA | 7 | $ 2,075,000 | $ 296,428 | $ 104,000 |
| Columbus, OH | 6 | $ 2,930,000 | $ 488,333 | $ 173,000 |
| Daphne-Fairhope-Foley, AL | 6 | $ 1,760,000 | $ 293,333 | $ 120,000 |
| Dover, DE | 6 | $ 1,750,000 | $ 291,666 | $ 89,000 |
| Prescott Valley-Prescott, AZ | 6 | $ 2,350,000 | $ 391,666 | $ 142,000 |
| Tucson, AZ | 6 | $ 2,180,000 | $ 363,333 | $ 91,000 |
| Asheville, NC | 5 | $ 2,015,000 | $ 403,000 | $ 185,000 |
| Columbus, IN | 5 | $ 1,495,000 | $ 299,000 | $ 107,000 |
| Indianapolis-Carmel-Anderson, IN | 5 | $ 1,305,000 | $ 261,000 | $ 87,000 |
| Tampa, FL | 5 | $ 3,025,000 | $ 605,000 | $ 153,000 |
| Albuquerque, NM | 4 | $ 1,580,000 | $ 395,000 | $ 133,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 1,800,000 | $ 450,000 | $ 164,000 |
| Cleveland, OH | 4 | $ 430,000 | $ 107,500 | $ 80,000 |
| Florence, SC | 4 | $ 690,000 | $ 172,500 | $ 101,000 |
| Hickory-Lenoir-Morganton, NC | 4 | $ 1,380,000 | $ 345,000 | $ 131,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 2,970,000 | $ 742,500 | $ 96,000 |
| Michigan City-La Porte, IN | 4 | $ 1,360,000 | $ 340,000 | $ 111,000 |
| Springfield, OH | 4 | $ 830,000 | $ 207,500 | $ 140,000 |
| Atlanta-Sandy Springs-Roswell, GA | 3 | $ 1,075,000 | $ 358,333 | $ 158,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 615,000 | $ 205,000 | $ 66,000 |
| Bloomington, IN | 3 | $ 665,000 | $ 221,666 | $ 73,000 |
| Fort Worth-Arlington, TX | 3 | $ 1,375,000 | $ 458,333 | $ 189,000 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 455,000 | $ 151,666 | $ 151,000 |
| Homosassa Springs, FL | 3 | $ 885,000 | $ 295,000 | $ 53,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 1,365,000 | $ 455,000 | $ 208,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 745,000 | $ 248,333 | $ 221,000 |
| Ocala, FL | 3 | $ 995,000 | $ 331,666 | $ 174,000 |
| Ogden-Clearfield, UT | 3 | $ 1,045,000 | $ 348,333 | $ 107,000 |
| Pinehurst-Southern Pines, NC | 3 | $ 1,985,000 | $ 661,666 | $ 242,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 1,405,000 | $ 468,333 | $ 115,000 |
| Salt Lake City, UT | 3 | $ 2,185,000 | $ 728,333 | $ 180,000 |
| San Antonio-New Braunfels, TX | 3 | $ 1,235,000 | $ 411,666 | $ 526,000 |
| Sebastian-Vero Beach, FL | 3 | $ 685,000 | $ 228,333 | $ 65,000 |
| Sierra Vista-Douglas, AZ | 3 | $ 1,055,000 | $ 351,666 | $ 697,000 |
| St. Petersburg-Clearwater-Largo, FL | 3 | $ 1,215,000 | $ 405,000 | $ 198,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 1,335,000 | $ 445,000 | $ 156,000 |
| Austin-Round Rock, TX | 2 | $ 720,000 | $ 360,000 | $ 226,000 |
| Champaign-Urbana, IL | 2 | $ 560,000 | $ 280,000 | $ 104,000 |
| Corpus Christi, TX | 2 | $ 340,000 | $ 170,000 | $ 49,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 1,040,000 | $ 520,000 | $ 218,000 |
| Everett, WA | 2 | $ 1,330,000 | $ 665,000 | $ 319,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 610,000 | $ 305,000 | $ 91,000 |
| Jacksonville, NC | 2 | $ 720,000 | $ 360,000 | $ 84,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 720,000 | $ 360,000 | $ 167,000 |
| Marietta, GA | 2 | $ 1,370,000 | $ 685,000 | $ 349,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 1,010,000 | $ 505,000 | $ 275,000 |
| Muncie, IN | 2 | $ 240,000 | $ 120,000 | $ 79,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 780,000 | $ 390,000 | $ 186,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 500,000 | $ 250,000 | $ 74,000 |
| Winston-Salem, NC | 2 | $ 780,000 | $ 390,000 | $ 298,000 |
| Akron, OH | 1 | $ 195,000 | $ 195,000 | $ 46,000 |
| Alexandria, LA | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Altoona, PA | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Amarillo, TX | 1 | $ 465,000 | $ 465,000 | $ 139,000 |
| Beaumont-Port Arthur, TX | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Birmingham-Hoover, AL | 1 | $ 215,000 | $ 215,000 | $ 168,000 |
| Bremerton-Silverdale, WA | 1 | $ 305,000 | $ 305,000 | $ 121,000 |
| Burlington, NC | 1 | $ 285,000 | $ 285,000 | $ 55,000 |
| Camden, NJ | 1 | $ 435,000 | $ 435,000 | $ 122,000 |
| Clarksville, TN-KY | 1 | $ 315,000 | $ 315,000 | $ 86,000 |
| Colorado Springs, CO | 1 | $ 525,000 | $ 525,000 | $ 225,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 165,000 | $ 165,000 | $ 44,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 105,000 | $ 105,000 | $ 120,000 |
| Durham-Chapel Hill, NC | 1 | $ 165,000 | $ 165,000 | $ 45,000 |
| Eau Claire, WI | 1 | $ 225,000 | $ 225,000 | $ 84,000 |
| Elgin, IL | 1 | $ 245,000 | $ 245,000 | $ 91,000 |
| Florence-Muscle Shoals, AL | 1 | $ 335,000 | $ 335,000 | $ 152,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 495,000 | $ 495,000 | $ 323,000 |
| Goldsboro, NC | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Greeley, CO | 1 | $ 525,000 | $ 525,000 | $ 111,000 |
| Greensboro-High Point, NC | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Kankakee, IL | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Kokomo, IN | 1 | $ 335,000 | $ 335,000 | $ 104,000 |
| Lafayette-West Lafayette, IN | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 335,000 | $ 335,000 | $ 103,000 |
| Lakeland-Winter Haven, FL | 1 | $ 255,000 | $ 255,000 | $ 154,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 365,000 | $ 365,000 | $ 181,000 |
| Lawrence, KS | 1 | $ 315,000 | $ 315,000 | $ 195,000 |
| Lebanon, PA | 1 | $ 355,000 | $ 355,000 | $ 176,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 465,000 | $ 465,000 | $ 239,000 |
| Montgomery, AL | 1 | $ 295,000 | $ 295,000 | $ 63,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Newark, NJ-PA | 1 | $ 1,115,000 | $ 1,115,000 | $ 261,000 |
| Niles-Benton Harbor, MI | 1 | $ 385,000 | $ 385,000 | $ 185,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 335,000 | $ 335,000 | $ 129,000 |
| Oakland-Hayward-Berkeley, CA | 1 | $ 545,000 | $ 545,000 | $ 1,365,000 |
| Olympia-Tumwater, WA | 1 | $ 345,000 | $ 345,000 | $ 155,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 925,000 | $ 925,000 | $ 222,000 |
| Provo-Orem, UT | 1 | $ 305,000 | $ 305,000 | $ 80,000 |
| Raleigh, NC | 1 | $ 535,000 | $ 535,000 | $ 121,000 |
| Richmond, VA | 1 | $ 325,000 | $ 325,000 | $ 78,000 |
| San Diego-Carlsbad, CA | 1 | $ 855,000 | $ 855,000 | $ 218,000 |
| Santa Fe, NM | 1 | $ 415,000 | $ 415,000 | $ 291,000 |
| Spartanburg, SC | 1 | $ 215,000 | $ 215,000 | $ 126,000 |
| Spokane-Spokane Valley, WA | 1 | $ 305,000 | $ 305,000 | $ 91,000 |
| Sumter, SC | 1 | $ 295,000 | $ 295,000 | $ 77,000 |
| Tacoma-Lakewood, WA | 1 | $ 585,000 | $ 585,000 | $ 144,000 |
| Toledo, OH | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 525,000 | $ 525,000 | $ 129,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 385,000 | $ 385,000 | $ 188,000 |
| Wichita Falls, TX | 1 | $ 235,000 | $ 235,000 | $ 91,000 |
| Williamsport, PA | 1 | $ 385,000 | $ 385,000 | $ 106,000 |
| Yuma, AZ | 1 | $ 345,000 | $ 345,000 | $ 0 |
Mortgage Loan Application Detail Totals for Direct Mortgage Loans, LLC in 2025
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 | 2,996 | $1,040,150,000 | $347,000 | $3,235,000 | $138,000 | $5,473,000 |
| Refinancing | 311 | $121,655,000 | $391,000 | $1,465,000 | $149,000 | $1,227,000 |
| Home Improvement | 221 | $61,775,000 | $279,000 | $1,125,000 | $169,000 | $1,790,000 |
| Cash-out Refinancing | 70 | $18,730,000 | $267,000 | $1,005,000 | $128,000 | $328,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 2,105 | $733,855,000 | $348,000 | $3,235,000 | $148,000 | $5,070,000 |
| Not Provided | 535 | $198,665,000 | $371,000 | $1,425,000 | $151,000 | $1,227,000 |
| Black or African American | 418 | $132,740,000 | $317,000 | $1,215,000 | $116,000 | $686,000 |
| Hispanic | 394 | $122,350,000 | $310,000 | $2,325,000 | $118,000 | $5,473,000 |
| American Indian or Alaskan Native | 123 | $45,975,000 | $373,000 | $1,305,000 | $139,000 | $540,000 |
| Asian | 16 | $6,430,000 | $401,000 | $715,000 | $140,000 | $506,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $2,295,000 | $327,000 | $595,000 | $102,000 | $193,000 |
| 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,113 | $756,305,000 | $357,000 | $3,235,000 | $167,000 | $5,473,000 |
| FHA-insured (Federal Housing Administration) | 1,161 | $360,245,000 | $310,000 | $1,115,000 | $100,000 | $500,000 |
| VA-guaranteed (Veterans Administration) | 283 | $117,295,000 | $414,000 | $1,345,000 | $122,000 | $543,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 41 | $8,465,000 | $206,000 | $335,000 | $73,000 | $121,000 |
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 | 2,753 | $956,265,000 | $347,000 | $3,235,000 | $142,000 | $5,473,000 |
| Application Withdrawn By Applicant | 432 | $151,310,000 | $350,000 | $1,885,000 | $141,000 | $1,653,000 |
| Application Approved But Not Accepted | 299 | $102,085,000 | $341,000 | $1,075,000 | $137,000 | $686,000 |
| Application Denied By Financial Institution | 63 | $15,825,000 | $251,000 | $665,000 | $96,000 | $290,000 |
| File Closed For Incompleteness | 32 | $10,280,000 | $321,000 | $765,000 | $176,000 | $1,536,000 |
| Preapproval Approved but not Accepted | 17 | $5,795,000 | $340,000 | $495,000 | $121,000 | $237,000 |
| Preapproval Denied by Financial Institution | 2 | $750,000 | $375,000 | $385,000 | $79,000 | $98,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,533 | $1,225,735,000 | $346,000 | $3,235,000 | $142,000 | $5,473,000 |
| Debt-To-Income Ratio | 16 | $4,510,000 | $281,000 | $625,000 | $72,000 | $119,000 |
| Collateral | 15 | $2,565,000 | $171,000 | $265,000 | $95,000 | $201,000 |
| Other | 13 | $3,275,000 | $251,000 | $505,000 | $93,000 | $156,000 |
| Unverifiable Information | 8 | $2,230,000 | $278,000 | $665,000 | $95,000 | $163,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,255,000 | $251,000 | $325,000 | $98,000 | $227,000 |
| Credit History | 5 | $1,445,000 | $289,000 | $415,000 | $109,000 | $192,000 |
| Employment History | 3 | $1,295,000 | $431,000 | $655,000 | $211,000 | $290,000 |
| Credit Application Incomplete | 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 Mortgage Loans, LLC's 2025 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 Mortgage Loans, 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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