Licensing Information
National HELOC Rates is licensed and regulated in all states where we operate. View our licensing details and regulatory compliance information.
NMLS Information
National HELOC Rates LLC is licensed under the Nationwide Multistate Licensing System (NMLS).
Company Information
Verify Our License
You can verify our licensing status and view public records through the NMLS Consumer Access website.
Visit NMLS Consumer AccessRegulatory Oversight
Federal Oversight
State Oversight
We are licensed and regulated by banking departments in all 15 states where we operate. Each state has specific licensing requirements and consumer protections.
Industry Memberships
Consumer Protection
All our practices are designed to comply with federal and state consumer protection laws. We maintain comprehensive compliance programs and regular audits.
State Licenses
We are licensed to originate mortgage loans in the following states. Click on any state for more information about local regulations and consumer protections.
| State | License Number | Regulator | Status |
|---|---|---|---|
| Alabama | ML-AL-3468 | Alabama Banking Department | Active |
| Arkansas | ML-AR-9541 | Arkansas Securities Department | Active |
| Colorado | ML-CO-4149 | Colorado Division of Real Estate | Active |
| Delaware | ML-DE-7327 | Delaware Office of the State Bank Commissioner | Active |
| Florida | ML-FL-7948 | Florida Office of Financial Regulation | Active |
| Indiana | ML-IN-6520 | Indiana Department of Financial Institutions | Active |
| Michigan | ML-MI-7383 | Michigan Department of Insurance and Financial Services | Active |
| North Dakota | ML-ND-0941 | North Dakota Department of Financial Institutions | Active |
| Ohio | ML-OH-2002 | Ohio Division of Financial Institutions | Active |
| Pennsylvania | ML-PA-3217 | Pennsylvania Department of Banking and Securities | Active |
| Rhode Island | ML-RI-4559 | Rhode Island Division of Banking | Active |
| South Carolina | ML-SC-7156 | South Carolina Board of Financial Institutions | Active |
| South Dakota | ML-SD-0283 | South Dakota Division of Banking | Active |
| Tennessee | ML-TN-6028 | Tennessee Department of Financial Institutions | Active |
| West Virginia | ML-WV-3479 | West Virginia Division of Financial Institutions | Active |
Compliance & Consumer Protection
Federal Laws
Truth in Lending Act (TILA)
Ensures clear disclosure of loan terms and costs
Real Estate Settlement Procedures Act (RESPA)
Protects consumers during the real estate settlement process
Equal Credit Opportunity Act (ECOA)
Prohibits discrimination in lending decisions
Fair Credit Reporting Act (FCRA)
Regulates the collection and use of credit information
Your Rights
Right to Shop
Compare offers from multiple lenders without penalty
Right of Rescission
Cancel your loan within 3 business days of closing
Right to Fair Treatment
Protection from discrimination and unfair practices
Right to Transparency
Clear disclosure of all terms, rates, and fees
File a Complaint
If you have concerns about our services or need to file a complaint, we encourage you to contact us directly first. You also have the right to file complaints with regulatory agencies.