Lender in Utah · HMDA 2025
Direct Rate Home Loans, Inc. mortgages in Utah
Direct Rate Home Loans, Inc.'s 2025 home-purchase and refinance lending in Utah, compared with all lenders in the state.
Direct Rate Home Loans, Inc. originated 312 owner-occupied single-family loans in Utah from 350 completed applications.
Its median conventional purchase loan costs were $6,400 versus $6,400 for all Utah lenders, at a median 30-year fixed rate of 6.625% (Utah: 6.50%).
Loans in UT
312
of 350 applications
Denial rate
5.8%
Purchase · UT 6.5%
Rate spread
+0.19 pts
Conv. · UT +0.05 pts
Loan amount
$455,000
Purchase · UT $435,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 278 | 253 | 5.8% | 6.625% | +0.19 pts | $6,400 | $455,000 |
| Refinance | 65 | 53 | 16.9% | 6.125% | −0.05 pts | $6,850 | $485,000 |
| Cash-out refinance | 7 | 6 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Utah counties where Direct Rate Home Loans, Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Davis County | 20 | 64 | 1.2% |
| Weber County | 20 | 55 | 1.1% |
| Salt Lake County | 23 | 116 | 0.8% |
| Duchesne County | 24 | 2 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology