When Co-Founders Mike Naylor and Ashley Mills founded Direct Mortgage Loans in 2007, they wanted to create a company on the values of accountability, transparency, and teamwork. Their goal was to lead through growth, passion, and by making DML’s employees successful. Today, the DML family stretches across 29 states, and has funded over 13,000 loans for more than $3 billion in volume since 2012*. Through teamwork and solution focused attitudes, DML has driven extraordinary results for our clients, industry partners and each other.


Quick turn times = a faster process for you!


We invest in technology to simplify the mortgage process.


Skip the bank. With direct access to funds, enjoy our streamlined process while receiving prompt and personalized service.

Experience for yourself why Direct Mortgage Loans has won dozens of top-industry awards

Experience for yourself why Direct Mortgage Loans has won dozens of top-industry awards

DML Awards


“We wanted our Mission, Vision and Values to be real statements that we actually could live by – inside of DML, and really, outside of DML. They’re how we measure all of our decisions and a part of everything that we do every day.”

-Mike Naylor


We are committed to providing outstanding mortgage solutions and creating lifelong relationships.


To be the mortgage industry leader in innovation and customer experience.


Effective, proactive and respectful communication that fosters teamwork, transparency and accountability to our clients, partners and each other.

Why clients choose Direct Mortgage Loans

“The entire process with Direct Mortgage Loans from start to finish was a breeze. Everything was explained to us each step of the way. If we had any questions, everything was thoroughly answered. We were given frequent updates throughout the process. We will definitely be repeat customers and we will tell everyone we know looking for a lender to use Direct Mortgage Loans.”

– Jamie

“They are the best mortgage lenders around. They are super friendly and helpful. Communication is amazing. It was my first time buying a home and they made it feel easy. They have a team of knowledgeable people who are always willing to help. They often reached out to me first to see how things are going and to ask if they can be of assistance. My real estate agent said they are so good compared to other lenders that he now uses them for all of his personal work. If you want a mortgage lender, look no further. Direct Mortgage Loans is as good as it gets.”

– Neil

“Highly recommend!! They made the house buying process so easy and simple! Can not speak highly enough! Check them out!”

– Sarah

“I had an incredibly smooth experience doing a cash out refinance with Direct Mortgage Loans. My Loan Officer was always available if I had questions, and the processing department gave me clear communication so I knew exactly what to provide them and when. 5 Star Service for sure!”

– Joseph

“I have had a great experience with Direct Mortgage Loans!! I bought my first house is 2017 and just refinanced my house February 2021! They helped me make the process as quick as possible! Very responsive with emails! When it’s time to buy my second home, I’ll definitely be back!!”

– Angelica