State Licenses and Disclosures
Credible Operations, Inc. (“we” or “us”) is a Delaware corporation with its principal place of business located at 318 Blackwell Street Ste 120A, Durham, NC 27701. We provide information and tools related to loans and mortgages and are accessible online at www.credible.com (the “Site”).
Loan pricing data, rates, and fees are provided by third-party partner lenders (“Providers”).
Credible Operations, Inc. currently conducts business in the following states:
Licensed by the Department of Business Oversight under the California Financing Law License No. 60DBO78870/NMLS No. 1681276
THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR LENDING NOTICE
IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF:
1. TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS PRACTICE; OR
2. RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN OR ANCESTRY.
IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING ACCOMMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND CONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE.
THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION, REHABILITATION OR REFINANCING OF ONE- TO FOUR-UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE- TO FOUR-UNIT FAMILY RESIDENCE.
IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF CREDIBLE OR:
Department of Business Oversight:
320 West 4th Street, Suite 750
Los Angeles, CA 90013-2344
Phone: (213) 576-7500
One Sansome Street, Suite 600
San Francisco, CA 94104-4428
Phone: (415) 972-8565
1515 K Street, Suite 200
Sacramento, CA 95814-4052
Phone: (916) 445-7205
1350 Front St., #2034
San Diego, CA 92101-3697
Phone: (619) 525-4233
Toll-Free Phone (all locations): (866) 275-2677
Acknowledgement of Receipt of this Notice is provided to you when you submit a request, but you are encouraged to retain a copy of this information for your records.
Colorado Mortgage Company Registration Regulated by the Division of Real Estate NMLS # 1681276
District of Columbia
Government of the District of Columbia Mortgage Broker License No. MLB 1681276
If your loan request is forwarded to our participating partner lenders (“Provider”), you may be issued a financing agreement by the Provider in accordance with D.C. Code Ann. § 26-1113. If provided, the financing agreement will provide: (A) the term and principal amount of the loan; (B) an explanation of the type of mortgage loan being offered; (C) the interest rate and, if the rate is subject to change, or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (D) the points and fees, if any, to be paid by you; and (E) the term during which the financing agreement remains in effect. This financing agreement must be executed by the Lender and must be delivered as least 72 hours before settlement.
Mortgage Broker License MBR2582
Mortgage Broker/Processor License/Registration No. 59409
Residential Mortgage License No. MB.6761309
Department of Financial and Professional Regulation Division of Banking
100 West Randolph, 9th Floor
Chicago, IL 60601
General Inquiry Inquiries: 1-888-473-4858
Division of Banking Direct: 1-844-768-1713
Mortgage Broker License No. 0144
Kansas Mortgage Company License No. MC.0025523
Kentucky Mortgage Loan Broker License No. MB700278
Loan Broker License No. 1681276
Mortgage Lender License No. 23122
Minnesota Residential Mortgage Originator License No. MN-MO-1681276
CREDIBLE OPERATIONS, INC. IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE CREDIBLE OPERATIONS, INC. WILL SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE MARKET.
The information on this Website may not be considered by any person to be an offer to enter an interest rate lock-in agreement under Minnesota law.
Licensed by the New Jersey Department of Banking and Insurance Residential Mortgage Broker License 1681276
Mortgage Broker License No. B-177231
Loan Broker Registration No. 260
Money Broker License
NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204.THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS.
Oregon Mortgage Lending License No. ML 5648
Oregon Consumer Finance License 0456-001-C
Licensed by the Pennsylvania Department of Banking Mortgage Broker License No. 64682
Tennessee Mortgage License 143276
Tennessee Industrial Loan & Thrift Registration No. 4014
Licensed by the Vermont Banking Division - Mortgage Broker License No. 1428 MB
Loan Solicitation License LSO-1681276
Licensed by the Virginia Bureau of Financial Institutions – Broker License No. MC-6815
Wisconsin Mortgage Broker License No. 1681276BR
This agreement remains in effect only as long as you seek to use the services offered by Credible Operations, Inc. You may discontinue this relationship at any time, without notice, at no cost or penalty to you. This agreement does not create an exclusive relationship.
Credible Operations, Inc. does not act as a lender or credit provider. Credible Operations, Inc. will forward your loan request to participating Lenders and one or more Lenders may provide you with their loan product offers. Credible Operations, Inc. does not have relationships with all lenders in the market and cannot guarantee the lowest price or best terms available in the market.
Credible Operations, Inc. receives fees from participating Providers and may be paid for services performed or provided by us to the Provider