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LICENSING

Guaranteed Rate, Inc Disclosures and License Information

Owning Disclosures and License Information

Consumer Lending Licensing Information

GUARANTEED RATE, INC. DISCLOSURES AND LICENSE INFORMATION

Guaranteed Rate, Inc. 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
Guaranteed Rate will never be discouraged on 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

visit here

ADDITIONAL GUARANTEED RATE, INC DISCLOSURE REQUIREMENTS

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

* Guaranteed Rate, Inc - NMLS ID 2611

* Arkansas: Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL
60613 866-934-7283

* Arizona: Guaranteed Rate, Inc. - 14861 N. Scottsdale Road Suite 101
Scottsdale, AZ 85254, Mortgage Banker License #0907078

* 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

* New York: Licensed Mortgage Banker - NYS Department of Financial Services,
750 Lexington Ave. Suite 2010, New York, New York 10022

* Pennsylvania: Licensed by the Pennsylvania Department of Banking and
Securities

* Rhode Island: Rhode Island Licensed Lender and Loan Broker

* South Carolina: South Carolina Consumer Loans – Your Rights and
Responsibilities brochure:
https://dih4lvql8rjzt.cloudfront.net/cms/7d3ebf57-734f-4a75-8c5e-d0c15b5d1c23_sc-consumer-loans-your-rights-and-Responsibilities-brochure.pdf

* 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.

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

STATES IN WHICH WE DO BUSINESS, AND LICENSE NUMBERS

STATE

Alabama

Alaska

Alaska OTN #1

Arizona

Arkansas

California

Colorado UCCC

Colorado DRE

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan 1st Mortgage

Michigan 2nd Mortgage

Minnesota

Minnesota OTN #1

Mississippi

Missouri

Montana

Nebraska

Nevada Mortgage Company

LICENSE #

21566

AK2611

AK2611-1

0907078

103947

413 0699

SUP-4000696

LICENSED

ML-2611

9436

MLB2611

MLD-1102

20973

HI-2611

MBL-5827

MB.0005932

11060

2005-0132

MC.0001530

MC20335

2866

SLM11302

2611

MC2611

FR0024251

SR0018847

MN-MO-20526478

MN-MO-2611.1

2611

1811

3161

STATE

Alabama

Alaska

Alaska OTN #1

Arizona

Arkansas

California

Colorado UCCC

Colorado DRE

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan 1st Mortgage

Michigan 2nd Mortgage

Minnesota

Minnesota OTN #1

Mississippi

Missouri

Montana

Nebraska

Nevada Mortgage Company

LICENSE #

21566

AK2611

AK2611-1

0907078

103947

413 0699

SUP-4000696

LICENSED

ML-2611

9436

MLB2611

MLD-1102

20973

HI-2611

MBL-5827

MB.0005932

11060

2005-0132

MC.0001530

MC20335

2866

SLM11302

2611

MC2611

FR0024251

SR0018847

MN-MO-20526478

MN-MO-2611.1

2611

1811

3161

STATE

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio GLL Registration

Ohio RMLA Registration

Oklahoma

Oklahoma OTN

Oregon

Pennsylvania

Rhode Island Licensed Lender

Rhode Island Licensed Broker

South Carolina

South Dakota

Tennessee

Texas SML Banker

Texas OCCC

Utah

Utah OTN

Vermont Lender

Vermont Broker

Virginia

Washington

West Virginia Lender

West Virginia Broker

Wisconsin Banker

Wisconsin Broker

Wyoming

Wyoming Consumer Lender

LICENSE #

13931-MB

LICENSED

01995

LMBC 106624

L-109803

MB101818

GL.501367.000

RM.804160.000

ML002651

ML011639

ML-3836

20371

20102682LL

20102681LB

MLS-2611

2611.ML

109179

Licensed

47207

7495184

10626308

6100

0930 MB

MC-3769

CL-2611

ML-30469

MB-30098

27394BA

2611BR

4507

CL - 4491

STATE

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio GLL Registration

Ohio RMLA Registration

Oklahoma

Oklahoma OTN

Oregon

Pennsylvania

Rhode Island Licensed Lender

Rhode Island Licensed Broker

South Carolina

South Dakota

Tennessee

Texas SML Banker

Texas OCCC

Utah

Utah OTN

Vermont Lender

Vermont Broker

Virginia

Washington

West Virginia Lender

West Virginia Broker

Wisconsin Banker

Wisconsin Broker

Wyoming

Wyoming Consumer Lender

LICENSE #

13931-MB

LICENSED

01995

LMBC 106624

L-109803

MB101818

GL.501367.000

RM.804160.000

ML002651

ML011639

ML-3836

20371

20102682LL

20102681LB

MLS-2611

2611.ML

109179

Licensed

47207

7495184

10626308

6100

0930 MB

MC-3769

CL-2611

ML-30469

MB-30098

27394BA

2611BR

4507

CL - 4491

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

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

Illinois Department of Financial and Professional Regulations
James R. Thompson Center
DFPR-Residential Mortgage Banking
100 W. Randolph, 9th Floor
Chicago, Illinois 60601
(844) 768-1713
License #: 511676

* 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:

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

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

STATE

Alabama

Arizona

Arkansas

California

Colorado DRE

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Iowa OTN #2

Indiana

Kansas

Louisiana

Maine

Maryland

Massachusetts OTN #1

Michigan 1st Mortgage

Michigan 2nd Mortgage

Minnesota OTN #2

Mississippi

Missouri

Montana

Nebraska OTN# 2

New Hampshire

New Jersey

New Mexico

North Carolina

North Dakota

Ohio

Oklahoma OTN #2

Oregon

Pennsylvania

South Carolina OTN #3

South Dakota

Tennessee

Texas SML Banker

Virginia

Washington

West Virginia

Wisconsin Banker

Wisconsin Broker

Wyoming

LICENSE #

21566

907078

103947

4130699

LICENSED

ML-2611

9436

MLB2611

MLD1102

20973

HI-2611

MBL-5827

MB.0005932

20973

2021-0126

11060

2866

SLM11302

2611

MC2611

FR0024251

SR0018847

MN-MO-2611.2

2611

Licensed

13931-MB

LICENSED

01995

L-109803

MB101818

RM.804160.000

ML013879

ML-3836

20371

MLS - 2611 OTN #3

2611.ML

109179

LICENSED

MC-3769

CL-2611

ML-30469

27394BA

2611BR

4507

STATE

Alabama

Arizona

Arkansas

California

Colorado DRE

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Iowa OTN #2

Indiana

Kansas

Louisiana

Maine

Maryland

Massachusetts OTN #1

Michigan 1st Mortgage

Michigan 2nd Mortgage

Minnesota OTN #2

Mississippi

Missouri

Montana

Nebraska OTN# 2

New Hampshire

New Jersey

New Mexico

North Carolina

North Dakota

Ohio

Oklahoma OTN #2

Oregon

Pennsylvania

South Carolina OTN #3

South Dakota

Tennessee

Texas SML Banker

Virginia

Washington

West Virginia

Wisconsin Banker

Wisconsin Broker

Wyoming

LICENSE #

21566

907078

103947

4130699

LICENSED

ML-2611

9436

MLB2611

MLD1102

20973

HI-2611

MBL-5827

MB.0005932

20973

2021-0126

11060

2866

SLM11302

2611

MC2611

FR0024251

SR0018847

MN-MO-2611.2

2611

Licensed

13931-MB

LICENSED

01995

L-109803

MB101818

RM.804160.000

ML013879

ML-3836

20371

MLS - 2611 OTN #3

2611.ML

109179

LICENSED

MC-3769

CL-2611

ML-30469

27394BA

2611BR

4507

STATES IN WHICH WE DO BUSINESS, AND LICENSE NUMBERS

CONSUMER LENDING LICENSES

Guaranteed Rate, Inc., holds consumer lending licenses in the following states:

STATE
License Number
License Type
Alabama
21566
Consumer Credit License
Arizona
103887
Consumer Lender License
California
60DBO-147922
Financing Law License
Colorado
SUP-4000696
Supervised Lender License
Connecticut
SLC-2611
Small Loan Company License
Delaware
9436
Lender License
District of Columbia
ML2611
Money Lender License
Illinois
CI.4816-H
Consumer Installment Loan License
Indiana
62505
Consumer Loan License
Iowa

Consumer Credit Notification
Iowa
88893612
Master Loan Company Registration
Idaho
RRL-10940
Regulated Lender License
Kansas
NOT.0027081
Consumer Credit Notification Filer
Kansas
SL.0026876
Supervised Loan License
Kentucky
CL795301
Consumer Loan Company
Louisiana

Licensed Lender Main Office (In-State and Out-Of-State with Lending Activity)
Maryland
2611
Consumer Loan License
Maine
OCR15789
General Creditor Consumer Credit Grantor Notification Filer
Michigan
RL0024250
Regulatory Loan License
Minnesota
MN-RL-2611
Regulated Loan Company License
Missouri
367-22-9145
510-22-9137
Consumer Credit Loan Company License
Consumer Installment Lender Company Registration
Montana
2611
Consumer Loan License
New Jersey
2205187 C32
Consumer Lender
North Dakota
MB101818
Money Broker License
Ohio
GL.501367.000
General Loan Law Certificate of Registration
Oklahoma
88968
Consumer Credit Notification
Oklahoma
SL008857
Supervised Lender License
Pennsylvania
100411
Consumer Discount Company
South Carolina
CGL-165211
Consumer Credit Notification
South Carolina
CGC-164984
Consumer Credit Notification
South Carolina
CLL-165212
Consumer Credit Notification
South Carolina
CLC-164986
Consumer Credit Notification
Tennessee
2611
Industrial Loan and Thrift Company Registration
Texas
10667-47207
Regulated Lender License
Utah

Consumer Credit Notification
Wisconsin
3266-LC
Loan Company License
Wisconsin

Consumer Act Registration
Washington
CL-2611
Consumer Loan Company License

STATE

Alabama

Arizona

California

Colorado

Connecticut

Delaware

District of Columbia

Illinois

Indiana

Iowa

Kansas

Louisiana

Maryland

Maine

Michigan

Minnesota

Missouri

New Hampshire

New Jersey

North Dakota

Ohio

Oklahoma

Pennsylvania

Rhode Island

South Carolina

Tennessee

Texas

Utah

Vermont

Washington

Wyoming

LICENSE NUMBER

21566

1038877

60DBO-147922

SUP-4000696

SLC-2611

9436

ML2611

CI.4816-H

62505

88893612

NOT.0027081

SL.0026876

2611

OCR15789

RL0024250

MN-RL-2611

367-22-9145

510-22-9137

24936-SM

2205187 C32

MB101818

GL.501367.000

88968

SL008857

100411

20102682LL

CGL-165211

CGC-164984

CLL-165212

CLC-164986

2611

10667-47207

6100

CL-2611

CL-4491

4507

LICENSE TYPE

Consumer Credit License

Consumer Lender License

Financing Law License

Supervised Lender License

Small Loan Company License

Lender License

Money Lender License

Consumer Installment Loan License

Consumer Loan License

Consumer Credit Notification

Master Loan Company Registration

Consumer Credit Notification Filer

Supervised Loan License

Licensed Lender Main Office (In-State and Out-Of-State with Lending Activity)

Consumer Loan License

General Creditor Consumer Credit Grantor Notification Filer

Regulatory Loan License

Regulated Loan Company License

Consumer Credit Loan Company License

Consumer Installment Lender Company Registration

New Hampshire Small Loan Lender License

Consumer Loan License

Money Broker License

General Loan Law Certificate of Registration

Consumer Credit Notification

Supervised Lender License

Consumer Discount Company

Rhode Island Lender License

Consumer Credit Notification

Industrial Loan and Thrift Company Registration

Regulated Lender License

Consumer Credit Notification

Vermont Lender License

Consumer Loan Company License

Wyoming Consumer Lender License

Wyoming Mortgage Lender/Broker License

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Delaware Licensed Loan Officers | Texas Consumers: How to file a complaint | Do
Not Sell or Share My Personal Information and/or Limit the Use of My Sensitive
Personal Information

Please note that applications, legal disclosures, documents or other material
related to Guaranteed Rate products or services promoted on this page are
offered in English only. The Spanish translation of this page is for the
convenience of our clients; however, not all pages are translated. If there is a
discrepancy between the content of the translated page and the content of the
same page in English, the English version will prevail.

NMLS License #2611 - For licensing information, go to:
www.nmlsconsumeraccess.org.
Arizona Mortgage Banker License #0907078

3940 N. Ravenswood Chicago, IL 60613 The company name, Guaranteed Rate, should
not suggest to a consumer that Guaranteed Rate provides an interest rate
guaranteed prior to an interest lock.

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