Legal, Licensing & Compliance DisclosuresInstitutional Governance.
Habitat Mortgage LLC operates with unwavering commitment to regulatory adherence, transparency, and federal consumer finance protections. Review our nationwide licensing, supervisory agencies, and statutory public disclosures below.
Supervised under CFPB, Dodd-Frank Act Title XIV, and designated State Banking Authorities.
Equal Housing Opportunity
Federal ActHabitat Mortgage LLC conducts all lending operations in strict compliance with the Federal Fair Housing Act (Title VIII of the Civil Rights Act of 1968) and the Equal Credit Opportunity Act (ECOA, 15 U.S.C. § 1691 et seq.).
We do not discriminate in lending decisions, terms, interest rate indexing, or underwriting qualification based on race, color, religion, national origin, sex, handicap or disability status, familial status, age (provided the applicant has the capacity to contract), marital status, receipt of public assistance, or good-faith exercise of rights under the Consumer Credit Protection Act.
NMLS Consumer Access Verification
Nationwide Multistate Licensing System & Registry Official Profile.
In-House Institutional Compliance
"Our dedicated internal legal & compliance counsel ensures each transaction adheres to strict state banking mandates, preserving borrower privacy and absolute fiduciary integrity across every credit tranche."
Nationwide State Licensing Matrix
Habitat Mortgage LLC is authorized and chartered by the following state regulatory departments to originate, underwrite, and service institutional residential credits.
| State / Jurisdiction | Licensing Regulatory Agency | License Type & Authority | Statutory License / Registration | Regulatory Status |
|---|---|---|---|---|
| TXTexas | Texas Department of Savings and Mortgage Lending (SML) | Residential Mortgage Loan Company License | License #2104829 / NMLS #2104829 | Active / Regulated |
| CACalifornia | Department of Financial Protection & Innovation (DFPI) | California Residential Mortgage Lending Act (CRMLA) | License #60DBO-148920 | Active / Regulated |
| FLFlorida | Florida Office of Financial Regulation (OFR) | Mortgage Lender Servicer License | License #MLD2109 | Active / Regulated |
| NYNew York | New York State Department of Financial Services (DFS) | Exempt Mortgage Banker / Specialized Authority | Registration #A-098231 | Active / Regulated |
| COColorado | Colorado Division of Real Estate | Mortgage Company Registration | Reg #2104829 | Active / Regulated |
| MDMaryland | Commissioner of Financial Regulation | Mortgage Lender License | License #24819 | Active / Regulated |
| VAVirginia | State Corporation Commission Bureau of Financial Institutions | Mortgage Lender License | License #MC-7891 | Active / Regulated |
| DCDistrict of Columbia | DC Department of Insurance, Securities & Banking (DISB) | Mortgage Dual Authority License | License #MLB2104829 | Active / Regulated |
| WYWyoming | Wyoming Division of Banking | Residential Mortgage Lender License | License #4290 | Active / Regulated |
Consumers wishing to file a complaint against a mortgage company or a licensed 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 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.
Statutory Disclosure Declarations
Select an advisory category below to review our consumer rights clauses and compliance policies.
Critical Consumer Advisory: Real Estate Escrow Wire Fraud Protection
Habitat Mortgage LLC will never alter wire transfer routing instructions or banking disbursement credentials via unencrypted email, direct SMS text, or social messaging platforms during any stage of your residential financing transaction.
Mandatory Verbal Authentication Protocol
Criminal syndicates actively target residential closing escrows through deceptive cyber impersonation and compromised external communications. Before initiating any outgoing wire transfer from your depository institution, you are legally instructed to:
- Independently Verify Instructions: Contact your escrow settlement officer or closing title attorney directly via a trusted telephone number verified independently (never use numbers embedded in unverified emails).
- Confirm Complete Routing Matrix: Verbally audit the receiving beneficiary name, bank address, routing ABA transit number, and account suffix prior to authorization.
- Immediate Fraud Escalation: If you receive an urgent notice asserting changes to wiring routing instructions, report it immediately to the Habitat Mortgage Private Desk at (833) 666-6062 and the FBI Internet Crime Complaint Center (IC3.gov).
Have an Inquiry for our Chief Compliance Officer?
Our supervisory desk is available to address regulatory licensing audits, statutory escrow requests, consumer dispute resolutions, and fiduciary compliance filings.