---
canonical_url: https://lendb.ai/lender/direct-rate-home-loans-inc-2419164
last_verified: 2026-10-13
---

# Direct Rate Home Loans, Inc.

Company NMLS ID 2419164 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/2419164)).

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.

## 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).

Source: [HMDA, FFIEC/CFPB, 2025](https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025). 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

- [Benjamin Lemon](https://lendb.ai/lo/benjamin-lemon-71650) (NMLS 71650)
- [Ramsey Hamood](https://lendb.ai/lo/ramsey-hamood-216092) (NMLS 216092)
- [Russell Stephens](https://lendb.ai/lo/russell-stephens-234628) (NMLS 234628)

Cite as: LenDb.ai, https://lendb.ai/lender/direct-rate-home-loans-inc-2419164.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._