Applications / Mortgage Analytics / Lenders / Maryland / Direct Mortgage Loans / Competition
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
Who Direct Mortgage Loans competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — BALTIMORE-COLUMBIA-TOWSON, MD, 2025
Direct Mortgage Loans ranks 15th of 592 lenders in Baltimore-Columbia-Towson, MD, with $282.3M lent: 1.4% of a $19.71B market.
Baltimore-Columbia-Towson, MD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage Loans in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — PHOENIX-MESA-CHANDLER, AZ, 2025
Direct Mortgage Loans ranks 77th of 879 lenders in Phoenix-Mesa-Chandler, AZ, with $139.2M lent: 0.3% of a $50.70B market.
Phoenix-Mesa-Chandler, AZ is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage Loans in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV, 2025
Direct Mortgage Loans ranks 114th of 757 lenders in Washington-Arlington-Alexandria, DC-VA-MD-WV, with $99.3M lent: 0.2% of a $62.69B market.
Washington-Arlington-Alexandria, DC-VA-MD-WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage Loans in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — CHARLESTON-NORTH CHARLESTON, SC, 2025
Direct Mortgage Loans ranks 46th of 617 lenders in Charleston-North Charleston, SC, with $70.0M lent: 0.6% of a $11.91B market.
Charleston-North Charleston, SC is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage Loans in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — CHICAGO-NAPERVILLE-ELGIN, IL-IN, 2025
Direct Mortgage Loans ranks 162nd of 902 lenders in Chicago-Naperville-Elgin, IL-IN, with $62.4M lent: 0.1% of a $59.50B market.
Chicago-Naperville-Elgin, IL-IN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage Loans in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — SALT LAKE CITY-MURRAY, UT, 2025
Direct Mortgage Loans ranks 225th of 363 lenders in Salt Lake City-Murray, UT, with $2.2M lent: 0.0% of a $12.49B market.
Salt Lake City-Murray, UT is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage Loans in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — ALBUQUERQUE, NM, 2025
Direct Mortgage Loans ranks 178th of 364 lenders in Albuquerque, NM, with $1.6M lent: 0.0% of a $5.69B market.
Albuquerque, NM is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage Loans in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — OGDEN, UT, 2025
Direct Mortgage Loans ranks 208th of 308 lenders in Ogden, UT, with $1.0M lent: 0.0% of a $6.38B market.
Ogden, UT is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage Loans in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 51% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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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