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.
ALABAMA
Consumer Credit License # 22798. Licensed
in Alabama under the Alabama Consumer Credit Act “Mini Code”
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, 555 West Monroe Street, 5th Floor, Chicago, IL 60661, 1-888-473-4858.
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.
NOTICE FOR MAIN OFFICES OF COVERED MORTGAGE LICENSEES
Illinois Community Reinvestment Act Notice
Under the Illinois Community Reinvestment Act (ILCRA), the Secretary of the Department of Financial
and Professional Regulation (Secretary) evaluates our record of helping to meet the lending needs of this
community consistent with safe and sound operations. The Secretary also takes this record into account
when deciding on certain applications submitted by us.
Your involvement is encouraged.
You are entitled to certain information about our operations and our performance under the ILCRA,
including, for example, information about our additional full-service office(s), such as their location and
services provided at them; the public section of our most recent ILCRA Performance Evaluation,
prepared by the Secretary; and comments received from the public relating to our performance in helping
to meet community credit needs, as well as our responses to those comments. You may review this
information today.
At least 30 days before the beginning of each quarter, the Secretary publishes a nationwide list of the
covered mortgage licensees that are scheduled for ILCRA examination in that quarter. This list is
available from the Secretary at 320 West Washington Street, 3rd Floor, Springfield, IL 62786 and at 555
West Monroe Street, Suite 500, Chicago, IL 60661. You may send written comments about our
performance in helping to meet community lending needs to (name and address of official at covered
mortgage licensee) and the Secretary. You may also submit comments electronically through the
Department’s Web site at https://idfpr.illinois.gov/admin/cra.html. Your letter, together with any response
by us, will be considered by the Secretary in evaluating our ILCRA performance and may be made public.
You may ask to look at any comments received by the Secretary. You may also request from the
Secretary an announcement of our applications covered by the ILCRA filed with the Secretary.
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 #1941734
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
Mortgage Lender License # 1941734
MONTANA
Montana Mortgage Broker Branch License 1198607, Montana Mortgage Lender Branch License 1198607
NEBRASKA
Mortgage Banker License
NEW HAMPSHIRE
Mortgage Banker License # 1941734MB
NEW JERSEY
Licensed by the N.J. Department of Banking and Insurance, 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
Residential Mortgage Lender license # ML 104593
OHIO
Residential Mortgage Lender Registration RM.804632.000
OKLAHOMA
Oklahoma Mortgage Broker License # MB013117
OREGON
Mortgage Lending LIcense, VRM Lending LLC, License # 1941734
RHODE ISLAND
Rhode Island Licensed Lender License 20214173LL and Rhode Island Licensed Loan Broker License 20214160LB
PUERTO RICO
Mortgage Lender/Servicer (Concesionarios/Administradores de Préstamos Hipotecarios), License # IH-258
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 #1941734.ML
TENNESSEE
Mortgage License # 215672
TEXAS – SML
Licensed as a Mortgage Company by the Department of Savings and Mortgage Lending.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS, OR TO FILE A CLAIM AGAINST A RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM OR CLAIM APPLICATION TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML’s WEBSITE: SML.TEXAS.GOV.
VERMONT
Lender License 7684 and Mortgage Broker License 1675 MB
VIRGIN ISLANDS
License/Registration #: VI-MLC-1941734
VIRGINIA
Licensed as a Mortgage Lender and Broker by the Virginia State Corporation Commission Broker License MC-7109, Lender License MC-7109, 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
