Lender
Direct Rate Home Loans, Inc.
Company NMLS ID 2419164 (opens in a new tab)
Direct Rate Home Loans, Inc. (company NMLS 2419164) is a mortgage lender. LenDb lists 3 of its loan officers, each with an individual NMLS ID, licensed states and sources.
Last verified . Sources: Direct Rate Home Loans, Inc.'s own loan officer directory and NMLS Consumer Access.
- 3 loan officers on LenDb
- 0 branch states
- Disciplinary history not yet checked
Lending activity (HMDA)
Funded 366 home loans in 2025 (HMDA), 253 conventional
- By loan type: 253 conventional, 41 FHA, 72 VA.
- By purpose: 291 purchase, 75 refinance.
- 30 jumbo (above the conforming loan limit); 20 for investment properties.
- Up 2514% from 2024 (14 loans).
- About $187.2 million in loan amounts (HMDA reports amounts in $10,000 bands).
Most loans in Utah (334), Washington (10), Idaho (5).
Source: HMDA, FFIEC/CFPB, 2025 (opens in a new tab). Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans.
Loan officers
Branch not listed 3
- Benjamin Lemon · NMLS 71650
- Ramsey Hamood · NMLS 216092
- Russell Stephens · NMLS 234628
Source: state regulator, verified 2026-10-13. Also as JSON. Lender-neutral: nobody pays to be listed or ranked.