Applications / Mortgage Analytics / Lenders / Utah / Direct Rate Home Loans / Competition
Direct Rate Home Loans
Cottonwood Heights, UT · Non-bank or government lender · CFPB · 366 loans in 2025
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366
loans originated, 2025
579
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Who Direct Rate Home Loans 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 — SALT LAKE CITY-MURRAY, UT, 2025
Direct Rate Home Loans ranks 38th of 363 lenders in Salt Lake City-Murray, UT, with $70.5M lent: 0.6% 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 Rate Home Loans 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. 2 — OGDEN, UT, 2025
Direct Rate Home Loans ranks 22nd of 308 lenders in Ogden, UT, with $60.5M lent: 0.9% of a $6.38B market.
Ogden, UT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Rate Home Loans 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 52% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — PROVO-OREM-LEHI, UT, 2025
Direct Rate Home Loans ranks 54th of 319 lenders in Provo-Orem-Lehi, UT, with $25.9M lent: 0.3% of a $7.84B market.
Provo-Orem-Lehi, UT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Rate Home Loans 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 49% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO UTAH, 2025
Direct Rate Home Loans ranks 122nd of 349 lenders in non-metro Utah, with $7.7M lent: 0.1% of a $6.01B market.
non-metro Utah is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Rate Home Loans 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 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — ST. GEORGE, UT, 2025
Direct Rate Home Loans ranks 86th of 261 lenders in St. George, UT, with $4.3M lent: 0.1% of a $2.88B market.
St. George, UT is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Direct Rate Home Loans 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 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — SEATTLE-TACOMA-BELLEVUE, WA, 2025
Direct Rate Home Loans ranks 337th of 597 lenders in Seattle-Tacoma-Bellevue, WA, with $4.0M lent: 0.0% of a $49.59B market.
Seattle-Tacoma-Bellevue, WA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Direct Rate Home Loans 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 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — PHOENIX-MESA-CHANDLER, AZ, 2025
Direct Rate Home Loans ranks 569th of 879 lenders in Phoenix-Mesa-Chandler, AZ, with $1.7M lent: 0.0% of a $50.70B market.
Phoenix-Mesa-Chandler, AZ is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Direct Rate Home Loans 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. 8 — NON-METRO ARIZONA, 2025
Direct Rate Home Loans ranks 157th of 311 lenders in non-metro Arizona, with $1.2M lent: 0.1% of a $1.67B market.
non-metro Arizona is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Direct Rate Home Loans 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 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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