Concept Preview · Private

Licensing & disclosures

The details behind a multi-state mortgage team.

Explore the company licenses and disclosure categories Fulcrum currently publishes. Because these records can change, the live Fulcrum page and NMLS Consumer Access remain the authoritative sources.

Company licensing

Find the published market record.

This directory reflects all state regulatory records published on Fulcrum’s live licensing page when this concept was reviewed on August 28, 2026.

30 of 30 records

Alabama

Mortgage Brokers License

License #1926444

Regulator: Alabama State Banking Department

Alaska

Mortgage Broker/Lender License

License #AK1926444

Regulator: Alaska Division of Banking and Securities

Arizona

Mortgage Broker License

License #1049005

Regulator: Arizona Department of Insurance and Financial Institutions

Arkansas

Mortgage Broker License

License #1926444

Regulator: Arkansas State Bank Department

California

DFPI Financing Law License

License #60DBO-175010

Regulator: California Department of Financial Protection and Innovation

Colorado

Mortgage Company Registration

Registration · see current record

Regulator: Colorado Division of Real Estate

Delaware

Broker License

License #41207

Regulator: Delaware Office of the State Bank Commissioner

Florida

Mortgage Broker License

License #MBR6764

Regulator: Florida Office of Financial Regulation

Georgia

Mortgage Broker/Processor License

License #1926444

Regulator: Georgia Department of Banking & Finance

Hawaii

Mortgage Loan Originator Company License

License #HI-1926444

Regulator: Hawaii Division of Financial Institutions

Idaho

Mortgage Broker/Lender License

License #MBL-2081926444

Regulator: Idaho Department of Finance

Indiana

SOS Loan Broker License

License #1926444

Regulator: Indiana Department of Financial Institutions

Iowa

Mortgage Broker License

License #2025-0145

Regulator: Iowa Division of Banking

Kansas

Mortgage Company License

License #MC.0027406

Regulator: Kansas Office of the State Bank Commissioner

Louisiana

Residential Mortgage Lending License

Registration · see current record

Regulator: Louisiana Office of Financial Institutions

Maine

Supervised Lender License

License #1926444

Regulator: Maine Bureau of Financial Institutions

Maryland

Mortgage Lender License

License #1926444

Regulator: Maryland Office of Financial Regulation

Minnesota

Residential Mortgage Originator License

License #MN-MO-1926444

Regulator: Minnesota Department of Commerce

Mississippi

Mortgage Broker License

License #1926444

Regulator: Mississippi Department of Banking and Consumer Finance

Montana

Mortgage Broker License

License #1926444

Regulator: Montana Division of Banking & Financial Institutions

New Mexico

Mortgage Loan Company License

Registration · see current record

Regulator: New Mexico Financial Institutions Division

North Carolina

Mortgage Broker License

License #B-222725

Regulator: North Carolina Office of the Commissioner of Banks

Oklahoma

Mortgage Broker License

License #MB017566

Regulator: Oklahoma Banking Department

Oregon

Mortgage Lending License

License #1926444

Regulator: Oregon Division of Financial Regulation

Rhode Island

Loan Broker License

License #20265022LB

Regulator: Rhode Island Department of Business Regulation

South Dakota

Mortgage Broker License

License #1926444.MB

Regulator: South Dakota Division of Banking

Texas

SML Mortgage Company License

Registration · see current record

Regulator: Texas Department of Savings and Mortgage Lending

Utah

DRE Mortgage Entity License

License #11657341

Regulator: Utah Division of Real Estate

Washington

Mortgage Broker License

License #MB-1926444

Regulator: Washington Department of Financial Institutions

Wyoming

Mortgage Broker License

License #5054

Regulator: Wyoming Division of Banking

This concept is not an authoritative licensing database. Confirm current company and individual status before relying on a record.

General disclosures

A readable index of the legal topics.

The live legal record covers these topics in full. This UI keeps every category visible and gives visitors a clearer way to understand what information is available.

01

Equal housing

Equal Credit Opportunity Act and nondiscrimination commitments.

02

Loan commitment

Qualifications, underwriting, market conditions, fees, and approval limitations.

03

Home Mortgage Disclosure Act

Public HMDA data availability and the information it contains.

04

Brokered-out products

Fulcrum’s role as a third-party originator submitting loans to lenders.

05

Credit repair

Limits on credit-repair services and direction to the official annual credit report source.

06

Financial planning

Limits on accounting, legal, tax, investment, and financial-planning advice.

07

Reverse mortgages

Age, residence, counseling, repayment, property, and program requirements.

08

Rate sheets

Market-reference limitations and factors that can change rates, points, and costs.

09

Pre-approvals

Conditions that must remain unchanged through closing and funding.

10

Grants

Third-party availability, qualification, repayment, and program restrictions.

11

Co-marketing

RESPA requirements for equitable investment and referral-fee restrictions.

12

Foreign language

Transactional documents are provided in English.

13

Website

Website statements are not loan commitments or guarantees of approval.

State-specific notices

Extra context where state rules require it.

Fulcrum currently publishes dedicated consumer notices for Arizona and Texas in addition to the broader regulatory directory.

Arizona

Arizona licensing notice

The live notice identifies Fulcrum Home Loans LLC, Company NMLS #1926444 and Branch NMLS #2533138, and explains that products, rates, terms, and approvals remain subject to qualification and law.

Texas

Texas complaints & reimbursements

The live notice explains the complaint process, state consumer hotline, and recovery-fund reimbursement process administered by the Texas Department of Savings and Mortgage Lending.

Read the complete wording, regulator addresses, telephone numbers, complaint instructions, and current revisions on Fulcrum’s official page.

Read complete disclosures