State Licensing and Disclosures

NMLS#: 1561          

Federal Tax ID # 62-0997810

Vanderbilt Mortgage and Finance, Inc., with its principal office at 500 Alcoa Trail, Maryville, Tennessee 37804, and telephone number 800-970-7250, holds or files the licenses or other authorizations (“licenses”) to make loans listed below. Vanderbilt does not engage in lending in every state and some states do not require licenses for every type of credit transaction.

  • Alabama

    Alabama Consumer Credit License  MC 3145

  • Alaska

    Alaska Collection Agency License   573
    Alaska Collection Agency Branch License   394

  • Arizona

    Arizona Mortgage Banker License  BK-0902616
    Arizona Mortgage Banker Branch License  BKBR-0108059
    Arizona Mortgage Banker Branch License  BKBR-0115433

  • Arkansas

    Arkansas Combination Mortgage Banker-Broker-Servicer  10696
    Arkansas Combination Mortgage Banker-Broker-Servicer  20116
    Arkansas State Board of Collection Agencies License  4741
    Arkansas State Board of Collection Agencies License  4740

  • California

    California DBO Finance Lenders Law License  6036460
    California DBO Finance Lenders Law License (Branch)  603J016

  • Colorado

    *Regulated by the Colorado Division of Real Estate

    Colorado UCC Supervised Lender License  097287
    Colorado UCC Supervised Lender Branch License  097287-002
    Colorado Collection Agency License  991939
    Colorado DRE Mortgage Company Registration

     

  • Delaware

    Delaware Chapter 22 Licensed Lender License  2150
    Delaware Chapter 29 Motor Vehicle Sales Finance License  2410

  • District of Columbia

    District of Columbia Mortgage Lender License  MLB1561

  • Florida

    Florida Mortgage Lender Servicer License  MLD393
    Florida Mortgage Lender Servicer Branch License  MLDB744
    Florida Sales Finance Company License  SF0900053
    Florida Consumer Collection Agency License  CCA9903281

  • Georgia

    Georgia Annual Mortgage Lender License  6911

  • Hawaii

    Hawaii Mortgage Servicer License  118

  • Idaho

    Idaho Regulated Lender License  RRL-3811
    Idaho Mortgage Broker/Lender License  MBL-3054
    Idaho Mortgage Broker/Lender License  MBL-7807
    Idaho Collection Agency  CCA-8817

  • Illinois

    *Illinois Department of Financial and Professional Regulation
    *122 S Michigan Ave., Ste. 1900
    *Chigago, IL 60603
    *(312)793-3000 

    Illinois Residential Mortgage License  MB.6760629
    Illinois Sales Finance Agency License  892

  • Indiana

    Indiana DFI Subordinate Lien Mortgage Lending License  7072
    Indiana DFI First Lien Mortgage Lending License  10869
    Indiana Collection Agency License  1561

  • Iowa

    Iowa Mortgage Banker License  572
    Iowa Nonresident Regulated Loan Company License  2006-0156
    Iowa Nonresident Regulated Loan Company License  2006-0158
    Iowa Master Loan Company Registration  88880907
    Iowa Mortgage Branch Registration  572
    Iowa CPD Creditor/Assignee Notification

     

  • Kansas

    *Kansas Licensed Mortgage Company

    Kansas Supervised Loan License  SL.0000720-BR.002
    Kansas Supervised Loan License  SL.0000720
    Kansas Certificate of Notification  NOT.0006455

  • Kentucky

    Kentucky Mortgage Company License  MC16813
    Kentucky Mortgage Company License  MC22484

  • Louisiana

    Louisiana Residential Mortgage Lending License  RML 556
    Louisiana Mortgage Branch Registration
    Louisiana Commissioner of Financial Institutions Notification  NOT 12450-0
    Louisiana Sales Finance Company License  SF-2013-00305
    Louisiana Sales Finance Company License  SF-2013-00304

  • Maine

    Maine Loan Servicer Registration  SVR5876
    Maine Loan Servicer Registration  SVR7126
    Maine Debt Collector License  DCL12775
    Maine Debt Collector Branch License  DCB12776

  • Maryland

    Maryland Mortgage Lender License  12845
    Maryland Consumer Loan License  814
    Maryland Sales Finance  1457
    Maryland Installment Loan  2084

  • Michigan

    Michigan DIFS First Mortgage Broker/Lender/Servicer Registrant  FR 1011
    Michigan DIFS Secondary Mortgage Broker, Lender and Servicer  SR 0018835
    Michigan Collection Agency License  2401002682
    Michigan Collection Agency License  2401002675

  • Minnesota

    Minnesota Residential Mortgage Originator License  MN-MO-20194020
    Minnesota Collection Agency License  40342245

  • Mississippi


    *Mississippi Registered Mortgage Company

    Mississippi Mortgage Servicer Branch License  7443
    Mississippi Mortgage Lender License  1561

  • Missouri

    Missouri Certificate of Registration Consumer Credit Loan Company  367-14-1364
    Missouri Residential Mortgage Loan Broker License  13-1868

  • Montana

    Montana License to Contract Consumer Loans  484
    Montana Sales Finance Company License  325
    Montana Mortgage Lender License  1561
    Montana Mortgage Servicer License  1561
    Montana Mortgage Servicer Branch License  7443

  • Nebraska

    Nebraska Mortgage Banker License  522
    Nebraska Mortgage Banker Branch License
    Nebraska Sales Finance Company License  1075
    Nebraska Sales Finance Company License  1093

  • Nevada

    Nevada Installment Loan License  IL10008
    Nevada Mortgage Broker Certificate of Exemption  3656
    Nevada Mortgage Broker Branch Certificate of Exemption  3656
    Nevada Mortgage Loan Servicer Registration

     

  • New Hampshire

    *Licensed by the New Hampshire Banking Department

    New Hampshire Mortgage Banker License  13678-MB

  • New Jersey

    New Jersey Collection Agency Bond Registration  13827

  • New Mexico

    New Mexico Mortgage Loan Company License  01135
    New Mexico Mortgage Loan Company Branch License
    Collection Agency License  01582
    Collection Agency License (Greensboro)  01583
    Collection Agency License (Albuquerque)  01584

  • New York

    New York, City of Buffalo Collection Agency License  CAG13-10025315
    New York Mortgage Loan Servicer Registration  1561
    New York Mortgage Loan Servicer Branch Registration  7443

  • North Carolina

    North Carolina Mortgage Lender License  L-100375
    North Carolina Mortgage Lender License  L-100375-101
    North Carolina Privilege License City of Greensboro  293635

  • North Dakota

    North Dakota DFI Money Broker License  MB102489
    North Dakota DFI Collection Agency License  CA101425

  • Ohio

    Ohio Mortgage Loan Act Certificate of Registration  SM.500822.000
    Ohio Mortgage Loan Act Branch Registration  SM.500822.001-BR

  • Oklahoma

    Oklahoma DOCC Supervised Lender  SL003570
    Oklahoma DOCC Supervised Lender  SL005838
    Oklahoma DOCC Mortgage Lender License  ML010129
    Oklahoma DOCC Mortgage Lender Branch  MLB10124
    Oklahoma DOCC Notification  83720
    Oklahoma DOCC Notification  84168

  • Oregon

    Oregon Mortgage Lending License  ML-1659
    Oregon Mortgage Lending Branch License  ML-1659-1

  • Pennsylvania

    *Licensed by Pennsylvania Department of Banking

    Pennsylvania Sales Finance Company License  1607
    Pennsylvania Mortgage Consumer Discount Company License  26510

  • South Carolina

    South Carolina BFI Supervised Lenders License  S-4,104
    South Carolina BFI Supervised Lenders License  S-6,010
    South Carolina Consumer Credit Grantor Notification  NT01-0728930-07289478-0728943
    South Carolina BFI Mortgage Lender/Servicer License  MLS-1561
    South Carolina BFI Mortgage Lender/Servicer Branch License  MLB-7443
    South Carolina Retail Dealer Certificate of License  35711

  • South Dakota

    South Dakota Mortgage Lender License  ML.04245
    South Dakota Money Lending License  MYL.2282

  • Tennessee

    Tennessee Mortgage License and Certificate of Registration  109263
    Tennessee Mortgage Branch Authorization and Certificate of Registration  109263-101
    Tennessee Collection Service Agency License  00001493

  • Texas

    Texas OCC Registered Creditor  110634
    Texas OCC Registered Creditor  118109
    Texas SML Mortgage Banker Registration  64733
    Texas SML Mortgage Banker Branch Registration
    Texas OCC Regulated Loan License  11282-48667
    Texas Collection Agency Bond Registration  20130084

  • Utah

    Utah DRE Mortgage Entity License  5489445-NMLC
    Utah DFI Acknowledgement of Consumer Credit Notification
    Utah DFI Acknowledgement of Residential First Mortgage Notification
    Utah DOCCC Certificate of Registration Collection Agency - Foreign  1455164-0131

  • Vermont

    Vermont Loan Servicer License  1561-1
    Vermont Loan Servicer License  7443-1

  • Virginia

    Virginia Lender License  MC-722
    Virginia Branch License  MC-722
    Licensed by the Virginia State Corporation Commission  MC-722

     

  • Washington

    Washington Consumer Loan Company License  520-CL-1561
    Washington Consumer Loan Branch Office License  520-CL-7443
    *http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1561

    Washington Collection Agency Registration  601-927-970-1-2
    Washington Collection Agency Branch Registration  601-927-970-1-1
    Washington Collection Agency Branch Registration  601-927-970-1-3

  • West Virginia

    West Virginia Mortgage Lenders License  ML-20713
    West Virginia Mortgage Lenders Branch License  MLB-21730
    West Virginia Business Registration Certificate, Licensed as a Collection Agency  1050-1898
    West Virginia Business Registration Certificate, Licensed as a Collection Agency  2228-1602

  • Wisconsin

    Wisconsin DFI Mortgage Banker License  16381
    Wisconsin DFI Mortgage Banker Branch License  7443BA
    Wisconsin Consumer Act Registration
    Wisconsin DFI Sales Finance Company License  312
    Wisconsin DFI Sales Finance Company License  3121

  • Wyoming

    Wyoming Supervised Lender  1425
    Wyoming Mortgage Lender/Broker  317
    Wyoming Mortgage Lender/Broker  318

Disclosures

Federal Equal Credit Opportunity Act Notice:

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant‘s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Protection Act. The federal agency, which administers compliance with this law concerning this creditor, is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.

California

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 any 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 this financial institution or:

Department of Corporations:

320 West 4th Street
Suite 750
Los Angles, CA, 90013-2344
 
71 Stevenson Street
Suite 2100
San Francisco, CA, 94105-2980
 
1515 K Street
Suite 200
Sacramento, CA, 95814-4052
 
1350 Front Street
Room 2034
San Diego, CA, 92101-3697 

Ohio

The Ohio laws against discrimination requires that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

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 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.

Utah

The Federal Equal Opportunity Act and the Utah Consumer Credit Code prohibit creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant‘s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Protection Act.  The federal agency which administers compliance with this law concerning this creditor, is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.  For residents of Utah, the Equal Credit Opportunity Provisions of the Utah Uniform Consumer Credit Code are administered by the Department of Financial Institutions, Herber M. Wells Building, 160 East 300 South, 3rd Floor, Salt Lake City, Utah 84111.

Washington

Washington State law prohibits discrimination in credit transactions because of race, creed, color, national origin, sex, marital status, or the presence of any sensory, mental or physical handicap of any person.  The Washington State Human Rights Commission administers compliance with this particular State law.

Wisconsin

Notice to Married Wisconsin Residents:  No provision of a marital property agreement, court order or decree under section 766.70 of the Wisconsin statutes or individual statement applying to marital property will adversely affect a creditor‘s interests unless prior to the time credit is granted such creditor had actual knowledge of such provision.  If an applicant spouse wants a creditor to be bound by such provision, such applicant spouse needs to disclose to the creditor the existence of such provision and provide the creditor with a copy thereof prior to the time credit is granted.  Disclosure of such provision after credit is granted will not bind the creditor.