SmartRate Lending, Inc. NMLS #2707542
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Key Facts
- Lender or brokerSmartRate Lending, Inc.
- NMLS #2707542
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About SmartRate Lending, Inc.
Overview
SmartRate Lending, Inc. is a mortgage company with NMLS ID 2707542. The company is a corporation formed in Wyoming and headquartered in Danville, California.
Its public website presents the business around home loans and refinancing. The site includes loan inquiry paths for purchase loans, cash out refinances, rate and term refinances, VA IRRRLs, and other mortgage requests.
SmartRate Lending presents loan options that include conventional, FHA, VA, jumbo, and no income document / DSCR loans. In mortgage language, that is the menu, not the meal; the actual fit depends on borrower, property, and underwriting details.
Business Type
SmartRate Lending, Inc. is a corporation. Its website presents both home purchase and refinancing loan options.
Website and Branding
SmartRate Lending, Inc. uses the public website https://www.smartratelending.com/.
The company has trade names of SRL PROCESSING, Bay Capital Mortgage, SmartRate Lending FL Mortgage, Inc., and SmartRate Lending. Its website title presents the brand as “Home Loans & Refinancing » SmartRate Lending, Inc.”
Headquarters
SmartRate Lending, Inc. is headquartered at 675 Hartz Ave Suite 209, Danville, California 94526.
The company was formed in Wyoming, United States.
Years in Operation
SmartRate Lending, Inc. was formed on March 25, 2025. As of 2026, the company has been in operation for 1 year.
Loan Types
SmartRate Lending presents conventional, FHA, VA, jumbo, and Non-QM loan options. Its website also describes no income document / DSCR loans with down payments as low as 25%.
The site identifies purchase, cash out refinance, rate and term refinance, and VA IRRRL as loan inquiry types. It also describes conventional mortgages, FHA loans, VA loans, jumbo loans, and refinance calculators for consumers comparing scenarios.
Scale
SmartRate Lending, Inc. operates 1 branch in Arizona.
NMLS ID
SmartRate Lending, Inc.’s NMLS company ID is 2707542. Consumers can verify license status at the NMLS Consumer Access website.
Disclaimer
SmartRate Lending, Inc. NMLS ID: 2707542. Licensing information is subject to change, and readers should verify details directly with the lender or at NMLS Consumer Access. This profile is for informational purposes only.
Verify NMLS #2707542 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
What is SmartRate Lending, Inc.'s NMLS number?
SmartRate Lending, Inc.'s NMLS number is 2707542. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified SmartRate Lending, Inc.'s NMLS ID?
Yes. We checked SmartRate Lending, Inc.'s company name and NMLS ID against the NMLS record on August 18, 2026. They've been in our lender network since May 2026. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about SmartRate Lending, Inc.?
This page has SmartRate Lending, Inc.'s NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.