Disclosures and Licenses

Fair Lending Statement

VRM Lending LLC is committed to compliance with all laws and regulations pertaining to information relative to those persons and entities who are customers and potential customers. To that end, VRM Lending LLC is committed to complying with the Fair Housing Act, 42 USC 3601 et seq., and the Equal Credit Opportunity Act (“ECOA”) which prohibits discrimination in home mortgage loans, home improvement loans, and other residential credit transactions, based on race, color, religion, national origin, sex, familial status or disability.

The Department of Housing and Urban Development has issued regulations under the Fair Housing Act, including regulations addressing fair lending issues, 24 C.F.R. Part 100, Subpart C. VRM Lending LLC addresses these issues in a corporate Fair Lending Policy. VRM Lending LLC management believes it is imperative that it identify and understand the level of risk faced by the company in order for the institution to allocate resources, implement safeguards, and develop additional policies, procedures, and processes in response to these risks.

Licensing Information

ALABAMA
Consumer Credit License # 22798

ALASKA
Alaska Mortgage Broker/Lender License # AK1941734

ARIZONA
Main Office Licensed as a Mortgage Banker with the Arizona Department of Financial Institutions # 1011575

ARKANSAS
Licensed as a Mortgage Banker-Broker-Servicer with the Arkansas Securities Department # 119318

CALIFORNIA – DFPI
Licensed by the Department of Financial Protection and Innovation under California Finance Lender Law # 60DBO115414

Loans made or arranged pursuant to the California Financing Law

COLORADO
Mortgage Company Registration – Regulated by the Division of Real Estate

Regulated by the Division of Real Estate

CONNECTICUT
Licensed as a Mortgage Lender License # ML-1941734

DELAWARE
Licensed as a Mortgage Lender by the Office of the State Bank Commissioner, # 030223

DISTRICT OF COLOMBIA
Mortgage Dual Authority License #MLB1941734

FLORIDA
Licensed as a Mortgage Lender by the Office of Financial Regulation # MLD1912

GEORGIA
Georgia Residential Mortgage Licensee – Licensed as a Mortgage Lender by the Department of Banking and Finance # 72136

Georgia Residential Mortgage Licensee

IDAHO
Licensed as a Mortgage Broker/Lender # MBL-2081941734

ILLINOIS
Illinois Residential Mortgage Licensee # MB.6761496

For licensing information, go to www.nmlsconsumeraccess.org.

Illinois Department of Financial and Professional Regulation, Mortgage Banking Division, 100 West Randolph, 9th Floor, Chicago, IL 60601, (888) 472-4858

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.

IOWA
Mortgage Banker License # 2020-0085

KANSAS
Licensed Mortgage Company, # MC.0025642

KENTUCKY
Mortgage Company License # MC726605

LOUISIANA
Residential Mortgage Lending License

MAINE
Supervised Lender License 1941734

MARYLAND
Licensed as a Mortgage Lender by the Commissioner of Financial Regulation # 06-24488

MASSACHUSETTS
VRM Lending LLC, Mortgage Broker License # MB1941734

MICHIGAN
1st and 2nd Mortgage Broker/Lender License # FL0022917 & SR0022918

MINNESOTA
Residential Mortgage Originator License # MN-MO-1941734. This is not an offer to enter into an interest rate lock agreement under Minnesota law.

MISSISSIPPI
Mississippi Registered Mortgage Company, Mortgage Lender License # 1941734

NEBRASKA
Mortgage Banker License

NEW HAMPSHIRE
Licensed by the New Hampshire Banking Department # 23626-MB

NEW JERSEY
VRM Lending LLC, 4100 International Pkwy, Suite 1010, Carrollton, TX, 75007, (833) 483-6333, Licensed Residential Mortgage Lender – NJ Banking and Insurance Department

NEW MEXICO
Mortgage Loan Company License

NORTH CAROLINA
Licensed as Mortgage Lender by the Commissioner of Banks # L-191146

NORTH DAKOTA
Money Broker License # MB103678

OHIO
Residential Mortgage Lender Registration RM.804632.000

OKLAHOMA
Oklahoma Mortgage Broker License # MB013117

OREGON
VRM Lending LLC, License # 1941734

RHODE ISLAND
Rhode Island Licensed Lender License 20214173LL and Rhode Island Licensed Loan Broker License 20214160LB

SOUTH CAROLINA-BFI
Licensed as a Mortgage Lender/Servicer by the State Board of Financial Institutions under License MLS – 1941734

SOUTH DAKOTA
Mortgage Lender License # ML.05289

TENNESSEE
Mortgage License # 215672

TEXAS – SML
Licensed as a Mortgage Company by the Department of Savings and Mortgage Lending

VERMONT
Lender License 7684 and Mortgage Broker License 1675 MB

VIRGINIA
Licensed as a Mortgage Lender and Broker by the Virginia State Corporation Commission NMLS ID # 1941734 (https://www.nmlsconsumeraccess.org)

WASHINGTON
Licensed by the Department of Financial Institutions under the Consumer Loan Act #CL-1941734 (https://www.nmlsconsumeraccess.org)

WEST VIRGINIA
Licensed as a Mortgage Lender/Broker License # ML-1941734 & MB-1941734

WISCONSIN
Mortgage Banker/Broker License # 1941734BA & 1941734BR

WYOMING
Licensed as a Residential Mortgage Lender/Broker by the Division of Banking under the Residential Mortgage Practice # 3736

VRM Lending LLC NMLS #1941734

Visit the NMLS access page for more information.
NMLS access page

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.