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Licensing

Nationwide Mortgage Licensing System (NMLS) ID #: 2611

Licenses can be verified at: NMLS Consumer Access

Guaranteed Rate, Inc. d/b/a Owning Disclosures and License Information

Guaranteed Rate, Inc. d/b/a Owning is an Equal Housing Lender and Illinois Residential Mortgage Licensee. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Owning will never be discouraged 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: https://www.consumer.ftc.gov/articles/credit-discrimination#ecor

States in which we do business, and license numbers

STATE

LICENSE #

Alabama 21566
Arizona OTN #1 1031233

California

4130699

Colorado DRE LICENSED
Delaware 9436
District of Columbia MLB2611

Florida

MLD1102

Hawaii

HI-2611

Idaho MBL-5827
Iowa OTN #2 2021-0126
Indiana 11060
Louisiana 2866
Michigan 1st Mortgage FR0024251
Michigan 2nd Mortgage SR0018847
Mississippi 2611
Missouri 2611
Montana 2611
New Hampshire 13931-MB
New Jersey LICENSED
New Mexico 01995
North Dakota MB101818
Oklahoma OTN #2 ML013879
Oregon ML-3836
Pennsylvania 20371
South Carolina OTN #3 MLS - 2611 OTN #3
South Dakota 2611.ML
Tennessee 109179
Texas SML Banker LICENSED
Virginia MC-3769
Washington CL-2611
Wisconsin Banker 27394BA
Wisconsin Broker 2611BR


Additional Owning Disclosure Requirements

Guaranteed Rate, Inc, d/b/a Owning is a licensed mortgage lender. Some states require specific licensing information, which is found below.

  • Owning is a division of Guaranteed Rate, Inc - NMLS ID 2611

  • Arizona: Guaranteed Rate, Inc. - 14861 N. Scottsdale Road, Suite 101, Scottsdale, Arizona 85254; Mortgage Banker License #1031233

  • California: Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act

  • Delaware: Guaranteed Rate, Inc. NMLS #2611 is licensed by the Delaware State Bank Commissioner to engage in business in this State. Delaware License #9436

  • Mississippi: Guaranteed Rate, 3940 Ravenswood, Chicago, IL 60613 - Licensed by the Mississippi Department of Banking and Consumer Finance

  • New Jersey: Residential Mortgage Lender – NJ Department of Banking & Insurance

  • New Hampshire: Guaranteed Rate, Inc., licensed by the New Hampshire Banking Department

  • Texas: For Texas Consumers Only:

    •  CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY REGARDING THE ORIGINATION AND/OR SERVICING OF YOUR MORTGAGE LOAN OR A COMPLAINT AGAINST A RESIDENTIAL MORTGAGE LOAN ORIGINATOR CONCERNING RESIDENTIAL MORTGAGE LOANS ON REAL ESTATE LOCATED IN TEXAS 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 DEPARTMENTS 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 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 DEPARTMENTS WEBSITE AT WWW.SML.TEXAS.GOV.

    • Source: https://texreg.sos.state.tx.us/fids/201203137-2.pdf 

  •  Virginia: Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769