Applications / Mortgage Analytics / Lenders / Utah / Direct Mortgage / Competition
Direct Mortgage
Midvale, UT · Independent non-bank lender · CFPB · 407 loans in 2025
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407
loans originated, 2025
513
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Who Direct Mortgage 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 — HOUSTON-PASADENA-THE WOODLANDS, TX, 2025
Direct Mortgage ranks 212th of 929 lenders in Houston-Pasadena-The Woodlands, TX, with $32.7M lent: 0.1% of a $43.85B market.
Houston-Pasadena-The Woodlands, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage 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 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — SALT LAKE CITY-MURRAY, UT, 2025
Direct Mortgage ranks 71st of 363 lenders in Salt Lake City-Murray, UT, with $29.4M lent: 0.2% of a $12.49B market.
Salt Lake City-Murray, UT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage 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. 3 — DENVER-AURORA-CENTENNIAL, CO, 2025
Direct Mortgage ranks 186th of 754 lenders in Denver-Aurora-Centennial, CO, with $24.3M lent: 0.1% of a $35.19B market.
Denver-Aurora-Centennial, CO is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage 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. 4 — RIVERSIDE-SAN BERNARDINO-ONTARIO, CA, 2025
Direct Mortgage ranks 275th of 707 lenders in Riverside-San Bernardino-Ontario, CA, with $9.8M lent: 0.0% of a $34.32B market.
Riverside-San Bernardino-Ontario, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage 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 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — DALLAS-FORT WORTH-ARLINGTON, TX, 2025
Direct Mortgage ranks 417th of 1,026 lenders in Dallas-Fort Worth-Arlington, TX, with $9.7M lent: 0.0% of a $63.42B market.
Dallas-Fort Worth-Arlington, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage 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. 6 — HILTON HEAD ISLAND-BLUFFTON-PORT ROYAL, SC, 2025
Direct Mortgage ranks 394th of 489 lenders in Hilton Head Island-Bluffton-Port Royal, SC, with $365K lent: 0.0% of a $3.64B market.
Hilton Head Island-Bluffton-Port Royal, SC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage 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. 7 — FAYETTEVILLE, NC, 2025
Direct Mortgage ranks 276th of 371 lenders in Fayetteville, NC, with $335K lent: 0.0% of a $2.93B market.
Fayetteville, NC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage 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 46% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — SHERMAN-DENISON, TX, 2025
Direct Mortgage ranks 296th of 343 lenders in Sherman-Denison, TX, with $215K lent: 0.0% of a $1.28B market.
Sherman-Denison, TX is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Direct Mortgage 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 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Direct Mortgage 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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