Last updated October 21, 2026
Licensing
RateGravity, Inc. (d/b/a Experian Home Services) is a wholly owned subsidiary of Experian Consumer Financial Services, Inc. (“Experian”). Experian Home Services is not a lender, but retains certain mortgage broker licenses to comply with various state requirements. Below is a list of our current licensure.
Alabama
Alabama Mortgage Brokers
License #23141
Alaska
Alaska Mortgage Broker/Lender
License No. AK1450805
Arizona
Licensed by the Arizona Department of Insurance and Financial Institutions
License No. MB-1021912
Arkansas
Arkansas Security Department
Mortgage Broker License #128339
California
California Department of Real Estate, Real Estate Corporation
License Endorsement #02134434
Colorado
Mortgage Company Registration, Regulated by the Division of Real Estate
License No. 1450805
Connecticut
Licensed as a Mortgage Broker, Department of Banking
License No. MB-1450805
Delaware
Delaware Broker License # 037098
District of Columbia
Licensed by the District of Columbia Department of Insurance, Securities and Banking
License No. MLB1450805
Florida
Licensed as a Mortgage Broker by the Office of Financial Regulation
License No. MBR2922
Georgia
Georgia Residential Mortgage Licensee
Licensed as a Mortgage Broker/Processor by the Department of Banking and Finance No. 67042
Idaho
Idaho Department of Finance
Mortgage Broker/Lending License MBL-2081450805
Illinois
Illinois Residential Mortgage
License No. MB.6761609
Indiana
SOS Loan Broker
License No. 1450805
Iowa
Iowa Division of Banking
Broker License #2022-0062
Kansas
Kansas Office of the State Bank Commissioner
Mortgage Company License #MC.0025790
Kentucky
Kentucky Department of Financial Institutions
Mortgage Broker License #MB785601
Louisiana
Louisiana Office Of Financial Institutions
Residential Mortgage Lending License #1450805
Maine
Licensed as a Loan Broker by the Bureau of Consumer Credit Protection
License No. 1450805
Maryland
Licensed by the Maryland Department of Labor, Office of the Commissioner of Financial Regulation
License No. 06-25073
Massachusetts
Mortgage Broker
License No. MB1450805
Michigan
Department of Insurance and Financial Services 1st Mortgage Broker License
License No. FL0022270
Minnesota
Licensed by the Commerce Department Financial Institutions Division
Residential Mortgage Originator License # MN-MO-1450805
Mississippi
Licensed by the Mississippi Department of Banking and Consumer Finance as a Mississippi Mortgage Broker
License No. 1450805
Missouri
Missouri Mortgage Company
License #1450805-LG
Montana
Montana Division of Banking & Financial Institutions
Mortgage Broker License #1450805
Nebraska
Nebraska Department of Banking and Finance
License #1450805
New Hampshire
Licensed by the New Hampshire Banking Department
Mortgage Broker License No. 22638-MBR
New Jersey
New Jersey Residential Mortgage Broker
License NMLS ID # 1450805
New Mexico
Mortgage Loan Company License NMLS # 1450805
North Carolina
Mortgage Broker License - B-198370
North Dakota
North Dakota Money Broker License
License No. MB103977
Ohio
Licensed by the Department of Commerce, Division of Financial Institutions
Mortgage Lending Act Certificate of Registration RM.804688.000
Oklahoma
Mortgage Broker License # MB014685
Oregon
Oregon Division of Financial Regulation
Mortgage Lending License 1450805
Pennsylvania
Licensed by the Department of Banking and Securities
Mortgage Broker License No. 70860
Rhode Island
Licensed by the Rhode Island Division of Banking
Loan Broker License No. 20193713LB
South Carolina
South Carolina Department of Consumer Affairs -
Mortgage Broker License #1450805
South Dakota
South Dakota Mortgage Brokerage
License #1450805MB
Tennessee
Mortgage License No. 220781
Texas
NMLS No. 1450805
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to:
Texas Department of Savings and Mortgage Lending
2601 North Lamar, Suite 201 Austin, Texas 78705Complaint 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. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov.
Mortgage Company License No. 1450805
Vermont
Vermont Mortgage Broker License
License Number: MB-1450805
Washington
Washington Mortgage Broker License
License # MB-1450805
Experian Home Services does not charge you a fee for services. Experian Home Services’ loan comparison services are not required to obtain a residential mortgage loan. The full range of loans available may not be listed on Experian Home Services’ lead generation system, and different terms and conditions, including lower rates, may be made available from others not listed in the system.
If your loan request is forwarded to one or more participating lenders, you may receive from those lenders a good faith estimate of the settlement costs and fees as required under Washington state law and a Loan Estimate form as required by the TILA-RESPA Integrated Disclosure Act.
The interest rates quoted by lenders are subject to change unless and until an interest rate lock-in agreement has been made between you and the lender. The terms and conditions of lock-in agreements, including whether the lock-in fee may be refunded, if any, will be set by the lender. Experian Home Services does not offer interest rate lock-in agreements and does not guarantee any interest rate quoted by a lender.
Experian Home Services will not collect any fees from you in connection with your loan request. All fees will be collected by and are payable to the lender. If the lender is licensed under the Washington Mortgage Broker Practices Act, any fees paid by you for third-party services (such as a credit report or appraisal) may be held in a trust account, and any such money remaining after the payment to third-party service providers will be refunded to you.
If you are unable to obtain a loan for any reason and you have paid for an appraisal, title report, or credit report in full in connection to a loan made with a lender licensed under the Washington Mortgage Broker Practices Act, the lender shall give you a copy of any such document and will transmit the originals to any other mortgage broker or lender at your direction within five (5) days of your written request. Under the Equal Credit Opportunity Act (ECOA), you are entitled to receive a copy of any appraisal you have paid for.
Washington enforces the prohibition of unfair practices with respect to credit transactions because of race, creed, color, national origin, sex, marital status, honorably discharged veteran or military status, sexual orientation, or the presence of any sensory, mental, or physical disability.
Virginia
Virginia Broker License
License No. MC-7353
West Virginia
Mortgage Broker
License No. MB-1450805
Wisconsin
Licensed by the Department of Financial Institutions
License No. 1450805BR
Wyoming
Wyoming Division of Banking
Mortgage Broker License #4504
RateGravity Inc. d/b/a Experian Home Services Federal Disclosures
NMLS#: 1450805