Applications / Mortgage Analytics / Lenders / Georgia / Direct Lenders
Kennesaw, GA · Independent non-bank lender · CFPB · 231 loans in 2025
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231
loans originated, 2025
332
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Direct Lenders, a Georgia home-purchase lender, relies on government-backed loans more than similar lenders do, and it grew in 2025 while they stood still.
Only 64.1% of its loans were conventional, against 76.4% at similar lenders (independent non-bank lenders making between half and twice as many loans). Loans insured by the Federal Housing Administration made up 26.4%, against 16.9% at peers. Loans guaranteed by the Department of Veterans Affairs were 8.2%, against 3.1%, though that share was 13.7% in 2024. A further 1.3% were guaranteed by the Department of Agriculture's Rural Housing Service.
It made 231 loans in 2025, up 9% from 211, while similar lenders made no more than the year before and the whole market grew 10%. Home purchases were 89.6% of its loans. It remains well below the 733 loans it made in 2020.
Its strongest market is Rome, Georgia, where it ranked 17 of 233 lenders and its share rose to 1.3% from 0.9%. Rocket Mortgage and United Community Bank lead there. In Atlanta-Sandy Springs-Alpharetta it ranked 151 of 892. It has lent in both since it first reported in 2012.
Borrowers on low or moderate incomes took 28.4% of its loans, against 22.6% at similar lenders. It turned down 2.0% of purchase applications, lower than the 3.5% at peers.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Direct Lenders took 332 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.6% · Refinance 7.4% · Other 3.0%
Conventional 64.1% · FHA 26.4% · VA 8.2% · USDA (RHS or FSA) 1.3% · of 231 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 224 | 97.0% |
| Alabama | 6 | 2.6% |
| Tennessee | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Marietta | 119 |
| Atlanta-Sandy Springs-Roswell | 65 |
| Rome | 21 |
| Chattanooga | 2 |
| Anniston-Oxford | 1 |
| Auburn-Opelika | 1 |
| Birmingham | 1 |
| Brunswick-St. Simons | 1 |
| Gainesville | 1 |
| Mobile | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930052808NIU3KIW97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4533636 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7202553605 |
Established 28 March 2005. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Direct Lenders's data.
Direct Lenders's data
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Direct Lenders and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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