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State Disclosure Requirements

Nations Lending Corporation operates numerous offices and branch locations throughout the nation. Our corporate office is located in Independence, Ohio. Listed below are our appropriate disclosures and licenses.

NLC is licensed and authorized to conduct mortgage business in most states in the United States. Our Nationwide Mortgage Licensing System and Registry ID is 32416. Click here to use the NMLS Consumer Access web site to see our services are available in your state.

Corporate Offices:
Nations Lending Corporation (Nations Lending or Nations Lending Corp.)
Toll Free: 866-447-0266
Fax: (216) 446-0154
Business Hours: 9:00 am through 9:00 pm, Monday through Friday (EST)
Address: Nations Lending Corporation, 4 Summit Park Drive, Suite 200, Independence, Ohio 44131
Web Site Addresses:,,

*When quoting a consumer in this competitive market NLC relies on the information that you provide. Our goal is to be as 100% ACCURATE as possible with your quote. If the information that you have provided us is accurate then rest assured NLC’s quote will be as well, subject to no change in market conditions prior to your loan lock.

NMLS Unique Identifier # 32416
Verify a mortgage company or individual license on the Nationwide Mortgage Licensing System Consumer Access site: NMLS Consumer Access
The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes: and the consumer should consult a tax advisor for further information regarding the deductibility of interest and charges.

NLC Corporate Office Licenses:

U.S. Dept. of Housing & Urban Development Mortgagee-FHA Lender ID # 23773-0000-0, 23773-00017 (Unconditional Direct Endorsement Approved), USDA SFHGLP Approved, Department of Veterans Affairs VA Automatic Lender 569997-00-00

Nations Lending Corporation d.b.a. NLC Loans in the following states:

Alabama Consumer Credit license # 21248, Alaska Mortgage Broker/Lender #AK32416, Arizona Mortgage Banker License #0928798, Arkansas Combination Mortgage Banker-Broker-Servicer License #103575, California DBO Finance Lenders Law License #603C858, California – DBO Residential Mortgage Lending Act License 413-1343, Connecticut MCLL#14913, Colorado Mortgage Company Registration, District of Columbia MLB32416, Delaware LL-9421, Florida MLD604, Hawaii Mortgage Loan Originator Company License HI-32416/ Hawaii Mortgage Servicer License MS165, Iowa MBL-2011-0036, Idaho Mortgage Broker/Lender License MBL-8404, Iowa Mtg Banker License-Other Trade Name #2-2014-0085, Indiana FLML 15487, Kansas Licensed Mortgage Company MC.0025075, Kentucky Mortgage Company License #MC292120, Louisiana RMLL, Maine Supervised Lender SLM11750, Maryland Mortgage Lender License #06-12186, Massachusetts Lender/Broker #MC32416, Michigan 1st mortgage Broker-Lender Servicer Registration #FR0019200, Minnesota MN-MO-20490001, Mississippi ML 32416, Montana Mortgage Lender/Broker #32416, Nebraska Mortgage Banker NE32416, Nations Lending Corporation d.b.a. Nations Lending of Ohio is licensed by the New Hampshire Banking Dept #13401-MB, New Jersey Residential Mortgage Lender & Broker 32416 licensed by the N.J. Department of Banking and Insurances, New Mexico Mortgage Loan Company, North Carolina Mortgage Lender License #L-141022, North Dakota MB102578, Ohio MB.803080.000, Oregon ML 4015, Rhode Island Lender License #20143006LL, Rhode Island Loan Broker License #20143007LB, South Carolina MLS-32416, South Carolina MLS – 32416 OTN#1,South Dakota ML.04896, Tennessee Mortgage License #112723, Texas SML Mortgage Banker Registration, Utah DRE Mortgage Entity 6870689, Vermont Lender License #6549, Vermont Loan Servicer License #32416-1,Virginia MC-3449 Licensed by the Virginia State Corporation Commission, Washington CL-32416, West Virginia MB-23102 & ML-30460, Wisconsin MB 32416BA, Wyoming MLB-2155, Oklahoma Mortgage Lender License ML010240, Oklahoma Mtg Broker License MB001993, Illinois Residential Mortgage Licensee #MB.6760494, Illinois Department of Financial and Professional Regulation: 122 S. Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, (312) 793-3000, Georgia Mortgage Lender Licensee ML# 30758, Licensed by the PA Department of Banking – License Number ML 32975, Colorado Department of Regulatory Agencies, Colorado Licensed Mortgage Broker: William L. Osborne Jr. LMB100013940, NMLS ID # 32683

Mortgage Information Booklets Provided by HUD and Federal Reserve Board

What You Should Know About Home Equity Lines 01012014.pdf

Settlement Costs Booklet 01012014.pdf

Consumer Handbook on Adjustable Rate Mortgages 01012014.pdf

Fair Housing: Equal Opportunity for All

Fed Reserve Mortgage Settlement Booklet 042012.pdf

Interest-Ony Mortgage Payments and Payment-Option ARMS 01052010.pdf

Looking for the Best Mortgage 01052010.pdf

CFPB Your Home Tool Kit

Mortgage Information for Reverse Mortgages (HECM) loans

Reverse Mortgages – Use Your Home to Stay at Home.pdf

Reverse Mortgages – Preparing for Your Counseling Session.pdf

Reverse Mortgages – Sample Loan Documents.pdf

Other Policies

Standard Privacy Policy

Disclaimer: The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes: and the consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.

Consumers wishing to file a complaint against a company or a residential mortgage loan originator 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 Department’s website at 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 mortgage banker 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 department’s website at


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