Name of the lender

Direct Mortgage Loans, LLC in PennsylvaniaMortgage rates, total loan costs and denial rate for homes in Pennsylvania, 2025

HMDA year2025

StatePennsylvania

Head office: Hunt Valley, MD
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

Direct Mortgage Loans, LLC reported 157 applications for homes in Pennsylvania in the HMDA data of 2025.

It originated 137 loans in the state in 2025, for $37.9 million in total.

The median interest rate of these loans in 2025 was 6.625%, and the median of all lenders in Pennsylvania was 6.500%.

The median total loan costs in 2025 were $8,243, and the state median was $6,390.

It denied 0.0% of the applications that it decided in the state in 2025, and the state denial rate was 22.2%.

Filed figures of Direct Mortgage Loans, LLC in Pennsylvania, 2025
Figure	In PA	Lender, all states	PA, all lenders
Applications	157	3,579	447,498
Loans originated	137	2,753	272,809
Median interest rate	6.625%	6.625%	6.500%
Median total loan costs	$8,243	$9,076	$6,390
Denial rate	0.0%	2.0%	22.2%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in PA

Pricing medians of Direct Mortgage Loans, LLC in Pennsylvania, 2025Each value has the median of all lenders in Pennsylvania under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in PA	137	6.625%PA 6.500%	$8,243PA $6,390	$3,276PA $1,910	$1,850PA $2,227	n/aPA $500	0.491PA 0.232

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.491 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,473 more a year, or $123 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in Pennsylvania by the action taken
Action taken	Records	Share
1Loan originated	137	87.3%
2Application approved but not accepted	9	5.7%
3Application denied	0	0.0%
4Application withdrawn by applicant	11	7.0%
5File closed for incompleteness	0	0.0%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Pennsylvania by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	101	92	0.0%
FHA-insured	44	35	0.0%
VA-guaranteed	6	5	n/a
USDA Rural Housing Service or Farm Service Agency guaranteed	6	5	n/a

Counties in Pennsylvania

Counties of Direct Mortgage Loans, LLC in Pennsylvania with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Franklin County	69	60	$15.1 million	0.0%
York County	32	30	$9.4 million	0.0%

Figures by year

Direct Mortgage Loans, LLC in Pennsylvania by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	157	137	$37.9 million	6.625%	$8,243	0.0%
2024	138	110	$29.0 million	n/a	n/a	1.7%
2023	51	40	$11.0 million	n/a	n/a	4.3%
2022	87	73	$18.6 million	n/a	n/a	1.3%

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Direct Mortgage Loans, LLC in Pennsylvania, 2025", https://lenderregister.com/lender/549300i0icf6rekhoc74-direct-mortgage-loans-llc/pa/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Pennsylvania. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Direct Mortgage Loans, LLC were in Pennsylvania in 2025?: 137 of its loans originated, out of 2,753 in all states. That is 5.0%.
In which counties of Pennsylvania did Direct Mortgage Loans, LLC originate the most loans in 2025?: The three with the most loans were Franklin County (60) and York County (30).
Which loan types did Direct Mortgage Loans, LLC originate in Pennsylvania in 2025?: 92 conventional, 35 FHA, 5 VA and 5 USDA.
How did the applications of Direct Mortgage Loans, LLC in Pennsylvania change from 2022 to 2025?: It reported 87 applications in 2022 and 157 in 2025.