Applications / Mortgage Analytics / Lenders / Maryland / Direct Mortgage Loans
Hunt Valley, MD · Independent non-bank lender · CFPB · 2,753 loans in 2025
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2,753
loans originated, 2025
3,579
applications, 2025
31
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Direct Mortgage Loans, a Maryland home-purchase lender working in 31 states, makes more of its loans to borrowers on low and moderate incomes than most similar lenders.
Borrowers on low or moderate incomes took 37.2% of its loans in 2025, against 28.5% at similar lenders (independent non-bank lenders making between half and twice as many loans). That is higher than at more than four in five of them. Loans insured by the Federal Housing Administration made up 31.3%, against 22.9% at peers.
It turned down 2.0% of purchase applications, against 4.2% at similar lenders, and 1.1% of refinance applications, against 5.9%. Both rates are lower than at most of its peers.
Baltimore-Columbia-Towson is its largest market. It ranked 15 of 592 lenders there, and its share rose to 1.4% from 1.2%. It entered Phoenix-Mesa-Chandler only in 2024 and already ranks 77 of 879, with its share up to 0.3% from 0.2%. In 2025 it began lending in Salt Lake City, Albuquerque and Ogden.
It made 2,753 loans in 2025, up 5%, while similar lenders grew 11% and the whole market 10%. The slower pace followed a jump from 1,525 loans in 2023 to 2,630 in 2024. Purchases were 84.7% of its loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Mortgage Loans took 3,579 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.7% · Refinance 9.5% · Home improvement 5.8%
Conventional 59.6% · FHA 31.3% · VA 8.0% · USDA (RHS or FSA) 1.1% · of 2,753 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 |
|---|---|---|
| Maryland | 1,148 | 41.7% |
| Arizona | 360 | 13.1% |
| Indiana | 294 | 10.7% |
| South Carolina | 234 | 8.5% |
| Pennsylvania | 137 | 5.0% |
| Florida | 129 | 4.7% |
| Texas | 80 | 2.9% |
| Delaware | 63 | 2.3% |
| Alabama | 54 | 2.0% |
| North Carolina | 48 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 779 |
| Phoenix-Mesa-Chandler | 330 |
| Lake County-Porter County-Jasper County | 214 |
| Charleston-North Charleston | 202 |
| Frederick-Gaithersburg-Bethesda | 134 |
| Palm Bay-Melbourne-Titusville | 93 |
| Washington | 86 |
| Chambersburg | 60 |
| Houston-Pasadena-The Woodlands | 60 |
| Hagerstown-Martinsburg | 44 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I0ICF6REKHOC74 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7453143795 |
Established date not on record. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Direct Mortgage Loans's data.
Direct Mortgage Loans's data
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Direct Mortgage Loans 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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