State Licenses
In Texas – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT www.sml.texas.gov
NMLS Consumer Access
| State | License Number | License Type | Description |
|---|---|---|---|
| Alabama | 22972 | Consumer Credit License | Licensed by the Alabama State Banking Department |
| Alaska | Federally Exempt - no company license required | ||
| Arizona | 924552 | Mortgage Banker License | Licensed by the Arizona Department of Insurance and Financial Institutions |
| Arkansas | 123661 | Combination Mortgage Banker-Broker-Servicer License | Licensed by the Arkansas Securities Department |
| California | 41DBO-49718 | DFPI Residential Mortgage Lending Act License | Licensed by the Department of Financial Protection and Innovation |
| Colorado | Federally Exempt - no company license required | ||
| Connecticut | Federally Exempt - no company license required | ||
| Delaware | Federally Exempt - no company license required | ||
| District of Columbia | MLB150953 (same for both licenses) | Mortgage Broker License & the Mortgage Lender License | Licensed by the District of Columbia Department of Insurance, Securities and Banking |
| Florida | Federally Exempt - no company license required | ||
| Georgia | Federally Exempt - no company license required | ||
| Hawaii | HI-150953 | Mortgage Loan Originator Company License | Licensed by the Division of Financial Institutions |
| Idaho | Federally Exempt - no company license required | ||
| Illinois | MB.6761131 | Residential Mortgage License | Licensed by the Illinois Department of Financial & Professional Regulation |
| Indiana | Federally Exempt - no company license required | ||
| Iowa | Federally Exempt - no company license required | ||
| Kansas | Federally Exempt - no company license required | ||
| Kentucky | Federally Exempt - no company license required | ||
| Louisiana | Federally Exempt - no company license required | ||
| Maine | 150953 | Supervised Lender License | Licensed by the Maine Bureau of Consumer Credit Protection |
| Maryland | 150953 | Mortgage Lender License | Licensed by the Office of the Commissioner of Financial Regulation |
| Massachusetts | MC150953 (same for both licenses) | Mortgage Broker License & the Mortgage Lender License | Licensed by the Massachusetts Division of Banks |
| Michigan | Federally Exempt - no company license required | ||
| Minnesota | MN-SX-150953 | Residential Mortgage Servicer Exemption | Licensed by the Minnesota Department of Commerce |
| Minnesota | MN-OX-150953 | Residential Mortgage Originator Exemption | Licensed by the Minnesota Department of Commerce |
| Mississippi | Federally Exempt - no company license required | ||
| Missouri | Federally Exempt - no company license required | ||
| Montana | Federally Exempt - no company license required | ||
| Nebraska | Federally Exempt - no company license required |
| State | License Number | License Type | Description |
|---|---|---|---|
| Nevada | 5534 | Nevada Exempt Company Registration | Licensed by the Nevada Division of Mortgage Lending |
| New Hampshire | 24508-MB | Mortgage Banker License | Licensed by the New Hampshire Banking Department |
| New Jersey | 150953 | Residential Mortgage Lender License | Licensed by the New Jersey Department of Banking and Insurance |
| New Mexico | 150953 | New Mexico Mortgage Loan Company License | New Mexico Financial Institutions Division |
| North Carolina | Federally Exempt - no company license required | ||
| North Dakota | ML104313 | North Dakota Residential Mortgage Lender License | Licensed by the North Dakota Department of Financial Institutions |
| Ohio | RMX.850328.000 | Residential Mortgage Lending Act Letter of Exemption | Licensed by the Ohio Division of Financial Institutions |
| Oklahoma | Federally Exempt - no company license required | ||
| Oregon | 150953 (same for both licenses) | Mortgage Lending License & the Mortgage Servicer License | Licensed by the Oregon Division of Financial Regulation |
| Pennsylvania | Federally Exempt - no company license required | ||
| Rhode Island | 20224382LL | Lender License | Licensed by the State of Rhode Island Department of Business Regulation |
| South Carolina | Federally Exempt - no company license required | ||
| South Dakota | Federally Exempt - no company license required | ||
| Tennessee | Federally Exempt - no company license required | ||
| Texas | Federally Exempt - no company license required | ||
| Utah | Federally Exempt - no company license required | ||
| Vermont | LL-150953 | Lender License | Licensed by the Vermont Department of Financial Regulation |
| Vermont | LS-150953-1 | Loan Servicer License | Licensed by the Vermont Department of Financial Regulation |
| Vermont | MB-150953-1 | Mortgage Broker License | Licensed by the Vermont Department of Financial Regulation |
| Virginia | Federally Exempt - no company license required | ||
| Washington | CL-150953 | Consumer Loan Company License | Licensed by the Washington Department of Financial Institutions |
| West Virginia | ML-150953 | Mortgage Lender License | Licensed by the West Virginia Division of Financial Institutions |
| West Virginia | MB - 150953 | Mortgage Broker License | Licensed by the West Virginia Division of Financial Institutions |
| Wisconsin | Federally Exempt - no company license required | ||
| Wyoming | Federally Exempt - no company license required |
Luminate Home Loans, Inc. a wholly owned subsidiary of Luminate Bank
NOTICE TO TEXAS CONSUMERS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”