{
  "canonical_url": "https://lendb.ai/lender/direct-rate-home-loans-inc-2419164",
  "summary": "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.",
  "lender": {
    "nmls_id": 2419164,
    "slug": "direct-rate-home-loans-inc-2419164",
    "canonical_url": "https://lendb.ai/lender/direct-rate-home-loans-inc-2419164",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2419164",
    "name": {
      "value": "Direct Rate Home Loans, Inc.",
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "other",
    "website": null,
    "lo_directory_url": null,
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://www.sml.texas.gov/",
      "verified_at": "2026-10-13"
    },
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 366,
          "by_loan_type": {
            "conventional": 253,
            "fha": 41,
            "va": 72,
            "usda": 0
          },
          "purchase": 291,
          "refinance": 75,
          "other_purpose": 0,
          "jumbo": 30,
          "investor": 20,
          "volume_usd": 187170000
        },
        {
          "year": 2024,
          "loans": 14,
          "by_loan_type": {
            "conventional": 13,
            "fha": 1,
            "va": 0,
            "usda": 0
          },
          "purchase": 13,
          "refinance": 1,
          "other_purpose": 0,
          "jumbo": 1,
          "investor": 2,
          "volume_usd": 5860000
        }
      ],
      "top_states": [
        {
          "state": "UT",
          "loans": 334
        },
        {
          "state": "WA",
          "loans": 10
        },
        {
          "state": "ID",
          "loans": 5
        },
        {
          "state": "AZ",
          "loans": 4
        },
        {
          "state": "OR",
          "loans": 4
        }
      ],
      "note": "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_officer_count": 3,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  },
  "loan_officers": [
    {
      "nmls_id": 71650,
      "slug": "benjamin-lemon-71650",
      "full_name": "Benjamin Lemon",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/benjamin-lemon-71650"
    },
    {
      "nmls_id": 216092,
      "slug": "ramsey-hamood-216092",
      "full_name": "Ramsey Hamood",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/ramsey-hamood-216092"
    },
    {
      "nmls_id": 234628,
      "slug": "russell-stephens-234628",
      "full_name": "Russell Stephens",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/russell-stephens-234628"
    }
  ]
}