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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

STATELICENSE #
Alabama21566
Arizona907078
Arkansas103947
California4130699
Colorado DRELICENSED
ConnecticutML-2611
Delaware9436
District of ColumbiaMLB2611
FloridaMLD1102
Georgia20973
HawaiiHI-2611
IdahoMBL-5827
IllinoisMB.0005932
Iowa OTN #22021-0126
Indiana11060
KansasMC.0001530
Louisiana2866
MaineSLM11302
Maryland2611
Massachusetts OTN #1MC2611
Michigan 1st MortgageFR0024251
Michigan 2nd MortgageSR0018847
Minnesota OTN #2MN-MO-2611.2
Mississippi2611
Missouri2611
Montana2611
Nebraska OTN# 2Licensed
New Hampshire13931-MB
New JerseyLICENSED
New Mexico01995
North CarolinaL-109803
North DakotaMB101818
OhioRM.804160.000
Oklahoma OTN #2ML013879
OregonML-3836
Pennsylvania20371
South Carolina OTN #3MLS – 2611 OTN #3
South Dakota2611.ML
Tennessee109179
Texas SML BankerLICENSED
VirginiaMC-3769
WashingtonCL-2611
West VirginiaML-30469
Wisconsin Banker27394BA
Wisconsin Broker2611BR
Wyoming4507

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 #907078
  • Arkansas: Lic#103947 – Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283
  • California: Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act
  • Colorado: Regulated by the Division of Real Estate
  • Delaware: Guaranteed Rate, Inc. NMLS #2611 is licensed by the Delaware State Bank Commissioner to engage in business in this State. Delaware License #9436
  • Georgia: Residential Mortgage Licensee #20973 – 3940 N Ravenswood Ave, Chicago, IL 60613
  • Illinois:
    • 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.
    • Illinois Department of Financial and Professional Regulations
      James R. Thompson Center
      DFPR-Residential Mortgage Banking
      555 West Monroe St., 5th Floor,
      Chicago, Illinois 60661
      (888) 473-4858
      License #: MB.0005932
  • Kansas: Licensed Mortgage Company – Guaranteed Rate, Inc – License MC.0001530
  • Massachusetts: Guaranteed Rate, Inc – Mortgage Lender & Mortgage Broker License MC2611
  • 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
  • Pennsylvania: Licensed by the Pennsylvania Department of Banking and Securities
  • 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