Lender in Maryland · HMDA 2025
Direct Mortgage Loans, LLC mortgages in Maryland
Direct Mortgage Loans, LLC's 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
Direct Mortgage Loans, LLC originated 986 owner-occupied single-family loans in Maryland from 1,084 completed applications, making it the state's #20 lender by volume.
Its median conventional purchase loan costs were $6,670 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.625% (Maryland: 6.625%).
Loans in MD
986
of 1,084 applications
Denial rate
1.9%
Purchase · MD 8.6%
Rate spread
+0.28 pts
Conv. · MD +0.14 pts
Loan amount
$345,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 992 | 906 | 1.9% | 6.625% | +0.28 pts | $6,670 | $345,000 |
| Refinance | 83 | 72 | 0.0% | 6.250% | +0.02 pts | $5,540 | $425,000 |
| Cash-out refinance | 9 | 8 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Maryland counties where Direct Mortgage Loans, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Baltimore County | 6 | 278 | 2.9% |
| Baltimore city | 7 | 137 | 2.3% |
| Carroll County | 7 | 53 | 2.2% |
| Worcester County | 7 | 33 | 4.2% |
| Harford County | 10 | 105 | 2.7% |
| Washington County | 11 | 34 | 1.7% |
| Dorchester County | 14 | 9 | 1.8% |
| Frederick County | 17 | 67 | 1.5% |
| Queen Anne's County | 18 | 11 | 1.1% |
| Wicomico County | 22 | 14 | 1.1% |
| Caroline County | 22 | 5 | 1.1% |
| Talbot County | 23 | 4 | 0.9% |
| Anne Arundel County | 24 | 81 | 0.9% |
| Howard County | 25 | 45 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology