# DIRECT MORTGAGE LOANS, LLC

> **Canonical URL:** https://saferate.com/lenders/direct-mortgage-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


DIRECT MORTGAGE LOANS, LLC is a independent mortgage company, headquartered in HUNT VALLEY, MD, serving borrowers across 28 states, with 2,283 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 20% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300I0ICF6REKHOC74
- **Headquarters:** HUNT VALLEY, MD
- **Geographic Reach:** Near-National
- **States Served:** 28
- **State List:** AL, AZ, CA, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, MI, MS, NC, NJ, NV, OH, OR, PA, SC, TN, TX, VA, WA, WV, WY
- **Markets (MSAs):** 23
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pull Through: Exceptional 🤩
- Score: 80/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.493%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,275
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,283
- **Dollar Volume:** $759 million
- **Applications Received:** 2,806
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $332,311
- **Average Borrower Income:** $131,218
- **Average Property Value:** $398,066

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 70/100 | 1,256 | +0.424% | $4,139 | Strong 😀 |
| FHA | 80/100 | 788 | +0.717% | $4,478 | Exceptional 🤩 |
| VA | 75/100 | 172 | +0.037% | $4,728 | Strong 😀 |
| Jumbo | 44/100 | 16 | +0.971% | $5,406 | Sound ☺️ |
| USDA | 81/100 | 51 | +0.832% | $3,402 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,178 loans, Score: 71/100 (Strong)
- Refinance: 78 loans, Score: 53/100 (Sound)

**FHA:**
- Purchase: 753 loans, Score: 81/100 (Exceptional)
- Refinance: 35 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 170 loans, Score: 76/100 (Strong)

**USDA:**
- Purchase: 51 loans, Score: 81/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 2,164 | $719M | +0.506% | Strong 😀 |
| Refinance | 55/100 | 119 | $40M | +0.305% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 881 | 1.25% | 87/100 |
| IN | 288 | 0.32% | 72/100 |
| SC | 241 | 0.30% | 74/100 |
| AZ | 212 | 0.21% | 69/100 |
| FL | 133 | 0.05% | 57/100 |
| PA | 94 | 0.08% | 59/100 |
| OH | 70 | 0.05% | 55/100 |
| TX | 64 | 0.02% | 49/100 |
| AL | 61 | 0.10% | 58/100 |
| IL | 45 | 0.04% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Baltimore | MD | 566 | 88/100 |
| Non |  | 246 | 61/100 |
| Charleston | SC | 212 | 85/100 |
| Lake County | IN | 207 | 90/100 |
| Phoenix | AZ | 191 | 69/100 |
| Frederick | MD | 97 | 74/100 |
| Palm Bay | FL | 92 | 71/100 |
| Washington, DC | DC-MD | 87 | 70/100 |
| Hagerstown | MD-WV | 56 | 68/100 |
| Mobile, AL | AL | 48 | 68/100 |
| Houston | TX | 45 | 52/100 |
| Chambersburg, PA | PA | 41 | 75/100 |
| Chicago | IL | 36 | 50/100 |
| Dayton | OH | 26 | 51/100 |
| York | PA | 22 | 50/100 |

## Where This Lender Ranks

DIRECT MORTGAGE LOANS, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Mobile, AL for USDA Loans
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/usda-loans)
- 🏆 **#5** in Mobile, AL for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Chambersburg, PA for USDA Loans
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/usda-loans)
- 🏆 **#5** in Chambersburg, PA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#11** in Salisbury, MD Mortgage Companies
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Chambersburg, PA Mortgage Companies
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/mortgage-companies)
- 🏆 **#12** in Chambersburg, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in Chambersburg, PA for FHA Loans
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Salisbury, MD
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders)
- 🏆 **#15** in Salisbury, MD for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Lake County for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#16** in Salisbury, MD for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#17** in Salisbury, MD for FHA Loans
  - [View Full Rankings](https://saferate.com/salisbury-md/best-mortgage-lenders/fha-loans)
- 🏆 **#18** in Chambersburg, PA
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders)
- 🏆 **#19** in Chambersburg, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/chambersburg-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#19** in Washington DC for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Lake County for VA Loans
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/va-loans)
- 🏆 **#20** in Hagerstown for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/mortgage-companies/va-loans)

## Frequently Asked Questions

### What loan types does DIRECT MORTGAGE LOANS, LLC offer?

DIRECT MORTGAGE LOANS, LLC offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does DIRECT MORTGAGE LOANS, LLC offer mortgages?

DIRECT MORTGAGE LOANS, LLC offers mortgages in 28 states: AL, AZ, CA, DC, DE, FL, GA, IL, IN, KS, KY, MA, MD, MI, MS, NC, NJ, NV, OH, OR, PA, SC, TN, TX, VA, WA, WV, WY.

### How competitive are DIRECT MORTGAGE LOANS, LLC's mortgage rates?

DIRECT MORTGAGE LOANS, LLC has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.493% above market average.

### What type of lender is DIRECT MORTGAGE LOANS, LLC?

DIRECT MORTGAGE LOANS, LLC is a non-depository lender that specializes in mortgage origination, headquartered in HUNT VALLEY, MD.

### What is DIRECT MORTGAGE LOANS, LLC's loan approval success rate?

DIRECT MORTGAGE LOANS, LLC has a pull-through score of 80/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/direct-mortgage-loans

### How to Cite

> "DIRECT MORTGAGE LOANS, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/direct-mortgage-loans

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