Where do my downloaded apps go? I can’t find them on my phone. I hate iCloud. They are not in my files I need help

The Home Screen and App Library on your iPhone

https://support.apple.com/en-us/HT211345

There's no need to worry about your downloaded apps. With the introduction of App Library in iOS 14, iOS accumulates all the apps in there in an organized manner. When you download an app, go to the App Library and at the top right corner you'll find a folder named 'Recently added'.

You will find your downloaded apps there, if you've recently downloaded them. Additionally, there are different folders of particular genres where you can also find your apps respective to that genre.

Moreover, if you can't find app in any of the folders as well, just search for your app in the search field at the top of the App Library and you'll find it.

Hope this help you out.