DIRECT MORTGAGE LOANS, LLC
2,753 mortgages originated in 2025 across 9 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,753
- Median rate
- 6.625%
- Median lender fees
- $9,015
- Median loan amount
- $315,000
- Median spread over APOR
- 0.442
- Paid discount points
- 62%
- Received lender credits
- 8.8%
- Purchases / refinances
- 84.7% / 9.5%
- Conventional / FHA / VA
- 59.6% / 31.3% / 8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 98.4% of loans here — see methodology.
Where DIRECT MORTGAGE LOANS, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Maryland | 1,148 | $8,711 | 6.625% |
| Arizona | 360 | $9,491 | 6.625% |
| Indiana | 294 | $9,769 | 6.562% |
| South Carolina | 234 | $9,595 | 6.500% |
| Pennsylvania | 137 | $8,243 | 6.625% |
| Florida | 129 | $7,710 | 6.624% |
| Texas | 80 | $10,764 | 6.990% |
| Delaware | 63 | $8,620 | 6.990% |
| Alabama | 54 | $8,180 | 6.433% |