DIRECT RATE HOME LOANS, INC
DIRECT RATE HOME LOANS, INC received 579 applications in 2025 and made 366 mortgages, in 51 counties across 14 states. The median rate its borrowers got was 6.375% on a median loan of $455,000. Of 415 decisions, 36 were denials — 8.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 984500F5665613E36549 |
|---|---|
| Applications received | 579 |
| Mortgages made | 366 |
| Denied | 36 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 164 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.133 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 291 | 6.499% | $445,000 | 6.0% |
| Refinancing | 64 | 5.999% | $485,000 | 16.1% |
| Cash-out refinancing | 11 | 6.875% | $275,000 | 26.7% |
Where DIRECT RATE HOME LOANS, INC lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Salt Lake County, UT | 125 | 6.375% | 6.5% |
| Davis County, UT | 67 | 6.499% | 2.9% |
| Weber County, UT | 56 | 6.125% | 12.5% |
| Utah County, UT | 48 | 6.375% | 8.6% |
| Washington County, UT | 8 | Under 10 loans | 11.1% |
| Tooele County, UT | 7 | Under 10 loans | 20.0% |
| Box Elder County, UT | 5 | Under 10 loans | 0.0% |
| King County, WA | 5 | Under 10 loans | 16.7% |
| Sanpete County, UT | 4 | Under 10 loans | 20.0% |
| Maricopa County, AZ | 3 | Under 10 loans | 0.0% |
| Summit County, UT | 3 | Under 10 loans | 0.0% |
| Canyon County, ID | 2 | Under 10 loans | 0.0% |
| Klamath County, OR | 2 | Under 10 loans | 0.0% |
| Cache County, UT | 2 | Under 10 loans | 0.0% |
| Duchesne County, UT | 2 | Under 10 loans | 33.3% |
| Iron County, UT | 2 | Under 10 loans | 33.3% |
| Pierce County, WA | 2 | Under 10 loans | 0.0% |
| Navajo County, AZ | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Conejos County, CO | 1 | Under 10 loans | 0.0% |
| Bonner County, ID | 1 | Under 10 loans | 0.0% |
| Cassia County, ID | 1 | Under 10 loans | 0.0% |
| Kootenai County, ID | 1 | Under 10 loans | 0.0% |
| Emmet County, MI | 1 | Under 10 loans | 0.0% |
| Beaverhead County, MT | 1 | Under 10 loans | 0.0% |
| Luna County, NM | 1 | Under 10 loans | 0.0% |
| Josephine County, OR | 1 | Under 10 loans | 0.0% |
| Washington County, OR | 1 | Under 10 loans | 0.0% |
| Lincoln County, TN | 1 | Under 10 loans | 0.0% |
| Guadalupe County, TX | 1 | Under 10 loans | 50.0% |
| Juab County, UT | 1 | Under 10 loans | 0.0% |
| Morgan County, UT | 1 | Under 10 loans | 0.0% |
| Rich County, UT | 1 | Under 10 loans | 0.0% |
| Uintah County, UT | 1 | Under 10 loans | 0.0% |
| Wasatch County, UT | 1 | Under 10 loans | 0.0% |
| Island County, WA | 1 | Under 10 loans | 50.0% |
| Snohomish County, WA | 1 | Under 10 loans | 0.0% |
| Thurston County, WA | 1 | Under 10 loans | 0.0% |
| Lincoln County, WY | 1 | Under 10 loans | 0.0% |
| Martin County, FL | 0 | Under 10 loans | Not published |
| Pinellas County, FL | 0 | Under 10 loans | Not published |
| Polk County, FL | 0 | Under 10 loans | Not published |
| Ada County, ID | 0 | Under 10 loans | Not published |
| Bannock County, ID | 0 | Under 10 loans | Not published |
| Caribou County, ID | 0 | Under 10 loans | 100.0% |
| Bexar County, TX | 0 | Under 10 loans | 100.0% |
| Daggett County, UT | 0 | Under 10 loans | 0.0% |
| Millard County, UT | 0 | Under 10 loans | 100.0% |
| Skagit County, WA | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.