Licensing Disclosures


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

StateLicense NumberLicense TypeDescriptionAlabama22972Consumer Credit LicenseLicensed by the Alabama State Banking DepartmentAlaskaFederally Exempt - no company license requiredArizona924552Mortgage Banker LicenseLicensed by the Arizona Department of Insurance and Financial InstitutionsArkansas123661Combination Mortgage Banker-Broker-Servicer LicenseLicensed by the Arkansas Securities DepartmentCalifornia41DBO-49718DFPI Residential Mortgage Lending Act LicenseLicensed by the Department of Financial Protection and InnovationColoradoFederally Exempt - no company license requiredConnecticutFederally Exempt - no company license requiredDelawareFederally Exempt - no company license requiredDistrict of ColumbiaMLB150953 (same for both licenses)Mortgage Broker License & the Mortgage Lender LicenseLicensed by the District of Columbia Department of Insurance, Securities and BankingFloridaFederally Exempt - no company license requiredGeorgiaFederally Exempt - no company license requiredHawaiiHI-150953Mortgage Loan Originator Company LicenseLicensed by the Division of Financial InstitutionsIdahoFederally Exempt - no company license requiredIllinoisMB.6761131Residential Mortgage LicenseLicensed by the Illinois Department of Financial & Professional RegulationIndianaFederally Exempt - no company license requiredIowaFederally Exempt - no company license requiredKansasFederally Exempt - no company license requiredKentuckyFederally Exempt - no company license requiredLouisianaFederally Exempt - no company license requiredMaine150953Supervised Lender LicenseLicensed by the Maine Bureau of Consumer Credit ProtectionMaryland150953Mortgage Lender LicenseLicensed by the Office of the Commissioner of Financial RegulationMassachusettsMC150953 (same for both licenses)Mortgage Broker License & the Mortgage Lender LicenseLicensed by the Massachusetts Division of BanksMichiganFederally Exempt - no company license requiredMinnesotaMN-SX-150953Residential Mortgage Servicer ExemptionLicensed by the Minnesota Department of CommerceMinnesotaMN-OX-150953Residential Mortgage Originator ExemptionLicensed by the Minnesota Department of CommerceMississippiFederally Exempt - no company license requiredMissouriFederally Exempt - no company license requiredMontanaFederally Exempt - no company license requiredNebraskaFederally Exempt - no company license requiredStateLicense NumberLicense TypeDescriptionNevada5534Nevada Exempt Company RegistrationLicensed by the Nevada Division of Mortgage LendingNew Hampshire24508-MBMortgage Banker LicenseLicensed by the New Hampshire Banking DepartmentNew Jersey150953Residential Mortgage Lender LicenseLicensed by the New Jersey Department of Banking and InsuranceNew Mexico150953New Mexico Mortgage Loan Company LicenseNew Mexico Financial Institutions DivisionNorth CarolinaFederally Exempt - no company license requiredNorth DakotaML104313North Dakota Residential Mortgage Lender LicenseLicensed by the North Dakota Department of Financial InstitutionsOhioRMX.850328.000Residential Mortgage Lending Act Letter of ExemptionLicensed by the Ohio Division of Financial InstitutionsOklahomaFederally Exempt - no company license requiredOregon150953 (same for both licenses)Mortgage Lending License & the Mortgage Servicer LicenseLicensed by the Oregon Division of Financial RegulationPennsylvaniaFederally Exempt - no company license requiredRhode Island20224382LLLender LicenseLicensed by the State of Rhode Island Department of Business RegulationSouth CarolinaFederally Exempt - no company license requiredSouth DakotaFederally Exempt - no company license requiredTennesseeFederally Exempt - no company license requiredTexasFederally Exempt - no company license requiredUtahFederally Exempt - no company license requiredVermontLL-150953Lender LicenseLicensed by the Vermont Department of Financial RegulationVermontLS-150953-1Loan Servicer LicenseLicensed by the Vermont Department of Financial RegulationVermontMB-150953-1Mortgage Broker LicenseLicensed by the Vermont Department of Financial RegulationVirginiaFederally Exempt - no company license requiredWashingtonCL-150953Consumer Loan Company LicenseLicensed by the Washington Department of Financial InstitutionsWest VirginiaML-150953Mortgage Lender LicenseLicensed by the West Virginia Division of Financial InstitutionsWest VirginiaMB - 150953Mortgage Broker LicenseLicensed by the West Virginia Division of Financial InstitutionsWisconsinFederally Exempt - no company license requiredWyomingFederally Exempt - no company license required

Luminate Home Loans

NMLS# 150953

Contact Us

3 Executive Park Drive

Bedford, NH 03110

Luminate Home Loans is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Luminate Home Loans will never be discouraged on on the basis of race, color, religion, national origin, sex, military status ,marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit:

http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm

© Copyright 2025 | Luminate Home Loans | All rights reserved.

© Copyright 2025 | Luminate Home Loans | All rights reserved.