State Licensing Map
State law disclosure regulations require the following licenses to be conspicuously disclosed.

Nationwide Multistate Licensing System (NMLS):

State Licensing:

  • ALABAMA Consumer Credit License 23103
  • ARIZONA  Mortgage Banker License 1033553
  • ARIZONA  Mortgage Banker Branch License 1033554
  • ARKANSAS  Combination Mortgage Banker-Broker-Servicer License 128607
  • CALIFORNIA  Financing Law License 60DBO-144199
  • CALIFORNIA  Residential Mortgage Lending Act License  41DBO-143292
  • COLORADO  Mortgage Company Registration – Regulated by the Division of Real Estate – https://dre.colorado.gov
  • DELAWARE  Lender License 038274
  • DISTRICT OF COLUMBIA  Mortgage Dual Authority License MLB1862952
  • FLORIDA  Mortgage Lender Servicer License MLD2111
  • GEORGIA  Mortgage Lender License/Registration 1862952
  • IDAHO  Mortgage Broker/Lender License MBL-2081862952
  • ILLINOIS Residential Mortgage License MB 6761652
  • INDIANA  Mortgage Lending License 62995
  • IOWA  Mortgage Banker License 2022-0077
  • KANSAS  Mortgage Company License MC.0025895
  • KENTUCKY  Mortgage Company License MC786026
  • LOUISIANA  Residential Mortgage Lending License
  • MAINE  Supervised Lender License 1862952
  • MARYLAND  Mortgage Lender License 1862952
  • MICHIGAN  1st Mortgage Broker/Lender License FR0023714
  • MICHIGAN  2nd Mortgage Broker/Lender License SR0023715
  • MINNESOTA  Residential Mortgage Originator License MN-MO-1862952
  • MISSISSIPPI  Mortgage Lender License 1862952. Licensed by the Mississippi Department of Banking and Consumer Finance.
  • MONTANA  Mortgage Lender License 1862952
  • NEBRASKA  Mortgage Banker License
  • NEW HAMPSHIRE  Mortgage Banker License 24886-MB
  • NEW JERSEY  Residential Mortgage Lender License
  • NEW JERSEY  RMLA-Licensed Mortgage Servicer Registration
  • NEW MEXICO  Mortgage Loan Company License
  • NORTH CAROLINA  Mortgage Lender License L-202917
  • NORTH DAKOTA  Money Broker License MB104042
  • OHIO  Residential Mortgage Lending Act Certificate of Registration RM.804501.000
  • OHIO  Residential Mortgage Lending Act Branch Registration RM.804501.003
  • OKLAHOMA  Mortgage Lender License ML014482
  • OREGON Mortgage Lending License 1862952
  • OREGON  Mortgage Servicer License 1862952
  • PENNSYLVANIA  Mortgage Lender License 94533
  • PENNSYLVANIA  Mortgage Servicer License 105533
  • RHODE ISLAND  Lender License 20224499LL
  • SOUTH CAROLINA  Mortgage Lender / Servicer License MLS - 1862952
  • SOUTH DAKOTA  Mortgage Lender License 1862952.ML
  • TENNESSEE  Mortgage License 1862952
  • TEXAS  Mortgage Banker Registration
  • UTAH  Residential First Mortgage Notification
  • WASHINGTON  Consumer Loan Company License CL-1862952
  • WISCONSIN  Mortgage Banker License 1862952BA
  • WYOMING  Mortgage Lender/Broker License 4505

In Ohio only, Smartfi Home Loans, LLC does business under the trade name Bankers Guarantee Mortgage Company (www.bankersguarantee.com).

STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.

OREGON STATE LICENSING INFORMATION

Additional Disclosure for Oregon Consumers

Oregon Reverse Mortgage Disclosure

At the maturity of a reverse mortgage loan, the lender will have a claim against the equity in your property and you may need to sell the property to repay the loan, or repay the loan from other assets.

The lender will charge an origination fee, a mortgage insurance premium, closing costs and/or servicing fees, which fees will be added to the loan balance.

The balance of the mortgage loan grows and the interest is added to the loan balance.

You retain title to the property until you sell the property, and therefore you are responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts may cause the loan to become due and may subject the property to a tax lien or other encumbrance or to foreclosure.

Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the loan.

Before obtaining a reverse mortgage, you should consult a trusted financial adviser or planner. There are government agencies and nonprofit organizations that can give you information about reverse mortgages. You can locate these resources at:

Please note that before you can complete an application for a Federal Housing Administration – insured Home Equity Conversion Mortgage loan, you must undergo counseling with a counseling agency approved by the U.S. Department of Housing and Urban Development (“HUD”). Your loan originator will provide you with a disclosure of available HUD-approved counseling agencies.

ORS 86A.196.

TEXAS STATE LICENSING INFORMATION

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.