DIRECT LENDERS, LLC
DIRECT LENDERS, LLC received 332 applications in 2025 and made 231 mortgages, in 40 counties across 3 states. The median rate its borrowers got was 6.500% on a median loan of $295,000. Of 242 decisions, 11 were denials — 4.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 54930052808NIU3KIW97 |
|---|---|
| Applications received | 332 |
| Mortgages made | 231 |
| Denied | 11 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 90 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.203 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 207 | 6.500% | $295,000 | 2.4% |
| Refinancing | 10 | 6.433% | $405,000 | 0.0% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Other purposes | 7 | Under 10 loans | Under 10 loans | 30.0% |
Where DIRECT LENDERS, LLC lends most
The 40 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Cobb County, GA | 52 | 6.563% | 3.7% |
| Carroll County, GA | 33 | 6.500% | 5.7% |
| Paulding County, GA | 33 | 6.750% | 2.9% |
| Floyd County, GA | 21 | 6.125% | 0.0% |
| Fulton County, GA | 13 | 6.490% | 13.3% |
| Haralson County, GA | 13 | 6.625% | 0.0% |
| Bartow County, GA | 12 | 6.625% | 0.0% |
| Cherokee County, GA | 9 | Under 10 loans | 10.0% |
| Douglas County, GA | 8 | Under 10 loans | 0.0% |
| Coweta County, GA | 5 | Under 10 loans | 0.0% |
| DeKalb County, GA | 4 | Under 10 loans | 0.0% |
| Polk County, GA | 4 | Under 10 loans | 0.0% |
| Gordon County, GA | 3 | Under 10 loans | 0.0% |
| Chattooga County, GA | 2 | Under 10 loans | 0.0% |
| Stephens County, GA | 2 | Under 10 loans | 0.0% |
| Troup County, GA | 2 | Under 10 loans | 0.0% |
| Calhoun County, AL | 1 | Under 10 loans | 0.0% |
| Cherokee County, AL | 1 | Under 10 loans | 50.0% |
| DeKalb County, AL | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 1 | Under 10 loans | 0.0% |
| Mobile County, AL | 1 | Under 10 loans | 0.0% |
| Shelby County, AL | 1 | Under 10 loans | 0.0% |
| Brantley County, GA | 1 | Under 10 loans | 0.0% |
| Fayette County, GA | 1 | Under 10 loans | 0.0% |
| Gilmer County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Hall County, GA | 1 | Under 10 loans | 0.0% |
| Towns County, GA | 1 | Under 10 loans | 0.0% |
| Walker County, GA | 1 | Under 10 loans | 0.0% |
| Ware County, GA | 1 | Under 10 loans | 0.0% |
| Hamilton County, TN | 1 | Under 10 loans | 0.0% |
| Chatham County, GA | 0 | Under 10 loans | Not published |
| Clayton County, GA | 0 | Under 10 loans | 100.0% |
| Crisp County, GA | 0 | Under 10 loans | Not published |
| Dawson County, GA | 0 | Under 10 loans | Not published |
| Fannin County, GA | 0 | Under 10 loans | Not published |
| Glynn County, GA | 0 | Under 10 loans | Not published |
| Henry County, GA | 0 | Under 10 loans | Not published |
| Houston County, GA | 0 | Under 10 loans | Not published |
| Sumner County, TN | 0 | Under 10 loans | 100.0% |
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When DIRECT LENDERS, LLC’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.