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___ Skip to main content MENU * Loans * Personal Loans * Debt Consolidation Loans * Loans for Bad Credit * Auto Loans * Auto Loan Refinance * Student Loans * Student Loan Refinance * Business * Business Loans * Business Line of Credit * Working Capital Loans * Startup Business Loans * Mortgages * Mortgage Rates * Home Equity Loan Rates * HELOC Rates * Refinance Rates * Cash Out Refinance * Credit Cards * Best Credit Cards * Balance Transfer Credit Cards * Cash Back Credit Cards * Credit Cards for Bad Credit * Insurance * Car Insurance * Home Insurance * Renters Insurance * Get your free credit score in minutes! * Login Sign Up Accessible Menu Loans * Personal Loans * Debt Consolidation Loans * Loans for Bad Credit * Auto Loans * Auto Loan Refinance * Student Loans * Student Loan Refinance Business * Business Loans * Business Line of Credit * Working Capital Loans * Startup Business Loans Mortgages * Mortgage Rates * Home Equity Loan Rates * HELOC Rates * Refinance Rates * Cash Out Refinance Credit Cards * Best Credit Cards * Balance Transfer Credit Cards * Cash Back Credit Cards * Credit Cards for Bad Credit Insurance * Car Insurance * Home Insurance * Renters Insurance Sign up Log in Please enter a minimum of three characters. Search * * * * Please enter a minimum of three characters. Search * Loans * Personal Loans * Debt Consolidation Loans * Loans for Bad Credit * Auto Loans * Auto Loan Refinance * Student Loans * Student Loan Refinance * Business * Business Loans * Business Line of Credit * Working Capital Loans * Startup Business Loans * Mortgages * Mortgage Rates * Home Equity Loan Rates * HELOC Rates * Refinance Rates * Cash Out Refinance * Credit Cards * Best Credit Cards * Balance Transfer Credit Cards * Cash Back Credit Cards * Credit Cards for Bad Credit * Insurance * Car Insurance * Home Insurance * Renters Insurance * Get your free credit score in minutes! * Login Sign Up LENDINGTREE LICENSES AND DISCLOSURES Disclosures Last Updated: December 17, 2021 License Information Last Updated: February 27, 2024 General. LendingTree, LLC is a Delaware limited liability company with its corporate headquarters located at 1415 Vantage Park Drive, Suite 700, Charlotte, North Carolina 28203. Any reference in this Licenses and Disclosures to “we” or “us” or similar words shall refer to LendingTree, LLC unless otherwise indicated, all such entities referred to as “LendingTree”. Any reference in Licenses and Disclosures to “you” or “your” means the person(s) using the LendingTree Websites (as defined in the Terms of Use Agreement), and/or the good, facilities or services of LendingTree offered through alternative methods. LendingTree is a marketing lead generator, required to be licensed as a Mortgage Broker or other state license designation. LendingTree DOES NOT take mortgage applications, originate, service, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements. LendingTree’s services are only administrative. Any loan inquiry you submit is NOT an application for credit. Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender, not LendingTree, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. LendingTree, LLC does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state, LendingTree, LLC is not an agent of you or any Lender. You should rely on your own judgment in deciding which available loan product, terms and Lender that best suits your personal financial requirements. The Lender is solely responsible for its services to you, and you agree that LendingTree, LLC shall not be liable for any damages or costs of any type arising out of, or in any way connected with, your use of such services. You understand that Lenders may keep your loan request information and any other information provided by LendingTree, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. In addition, LendingTree, LLC may receive personally identifiable information regarding the disposition of your loan from the Lender in order to fulfill its regulatory requirements as well as for internal business purposes. You agree to notify any particular Lender directly if you no longer want to receive communications. Fees. LendingTree does not charge you any fee for its services. LendingTree receives its compensation from the Lenders or Providers for the goods, facilities and services provided by LendingTree. LendingTree’s compensation varies by product and service. Marketing fees paid by the Lender or Provider may be included in your rate, points, or term. Although some state licensing laws treat fees paid in exchange for marketing lead generation services as mortgage broker fees or origination fees, this is not the case under federal law. See the Terms of Use Agreement for details. Credit. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from Lenders. You may have to complete a full application with a Lender before they will extend an unconditional loan offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report as well as for other items. The Lender will determine the amount of any such fee(s) and should provide information to you regarding the refundability of any such fee(s). Federal Disclosures. Any request will be forwarded to Lenders, Brokers, Dealers, or Partners (depending on product selected) and these Partners may make certain disclosures to you. These disclosures, which are required by the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and certain other federal and state laws, include details of your cost of credit; good faith estimates of your settlement costs (GFE) on August 1, 2015 the GFE will be called the Integrated Loan Disclosure or Loan Estimate and will be delivered to you by the Lender you select to proceed with for your loan needs; HUD mandated booklets “Guide to Settlement Costs” and/or “When your Home is on the Line”; notices concerning the possibility that your mortgage loan servicing may be transferred; and your right to a copy of any appraisal, if any, performed on your home. The Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The agency that administers compliance with this law varies by Lender depending on its lending authority, but may include the Federal Trade Commission, Equal Credit Opportunity, Consumer Response Center, Washington, DC 20580 or at 1-877-FTC-HELP (1-877-382-4357; TDD 1-866-653-4261; or at www.ftc.gov. PURSUANT TO LENDINGTREE’S TERMS OF USE AGREEMENT AND THE CONSENT FOR ELECTRONIC DISCLOSURES, THE DISCLOSURES AND CONSENTS REQUIRED UNDER CERTAIN FEDERAL AND/OR STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY YOUR USE OF THE WEBSITES (AS DEFINED IN THE TERMS OF USE AGREEMENT). State Licenses – LendingTree LLC’s Nationwide Mortgage Licensing System (NMLS) Identification Number is 1136. For some states, required Mortgage Broker Disclosures are included above in the LendingTree Disclosures section. Alabama Alabama Mortgage Brokers License No. 8694. Alaska Alaska Mortgage Broker/Lender License No. AK1136. NOTE: A mortgage lender or mortgage broker may not refinance a mortgage loan within 12 months after the date the mortgage loan is closed unless the refinancing is beneficial to the borrower. Arizona Arizona Mortgage Broker License No. 0902469. Arkansas Arkansas Mortgage Broker License No. 24441. NOTE: Except for state or federally chartered depository institutions that are FDIC- or NCUA-insured, it is unlawful for a person to broker or make a refinancing of a residential mortgage loan when the refinancing charges additional points and fees, within a 12-month period after the original loan agreement was signed, unless the refinancing results in a reasonable, tangible net benefit to the borrower, considering all of the circumstances surrounding the refinancing. California California Licensed by Department of Financial Protection & Innovation (DFPI), under the California Financing Law, License No. 6037234, with principal office located at LendingTree, LLC, 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203. LendingTree does not make mortgage loans or commitments. If your loan request is forwarded to a Lender that makes you an offer, you should receive from the Lender a good faith estimate (GFE) required under RESPA, on August 1, 2015, the GFE changed to be known as an integrated disclosure and referred to as an initial Loan Estimate and will have both the RESPA and TILA disclosures. The new disclosure statement required under the TILA/RESPA, is required to be delivered within three (3) business days from the date you submit an application to a Lender. If the Lender denies your request for credit and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty (60) days, a free copy of your consumer credit report from the credit reporting agency that compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly. An applicant, if married, may apply for a separate account / credit. THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR LENDING NOTICE IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF: 1. TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS PRACTICE; OR 2. RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN OR ANCESTRY. IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING ACCOMMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND CONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE. THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION, REHABILITATION OR REFINANCING OF ONE- TO FOUR-UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE- TO FOUR-UNIT FAMILY RESIDENCE. IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF THIS FINANCIAL INSTITUTION OR: Department of Financial Protection & Innovation: 320 West 4th Street, Suite 750 Los Angeles, CA 90013-2344 Phone: (213) 576-7500 300 S. Spring Street, Suite 15513 Los Angeles, CA 90013-1259 Phone: (213) 897-2085 One Sansome Street, Suite 600 San Francisco, CA 94104-4428 Phone: (415) 972-8565 2101 Arena Boulevard Sacramento, CA 95834 Phone: (916) 445-7205 1455 Frazee Road, Suite 315 San Diego, CA 92108 Phone: (619) 610-2093 Toll-Free Phone (all locations): (866) 275-2677 Website: https://dfpi.ca.gov/ Acknowledgement of Receipt of this Notice is provided to you when you submit a request, but you are encouraged to retain a copy of this information for your records. Colorado Colorado Mortgage Company Registration Regulated by the Division of Real Estate. NMLS ID #1136 Connecticut Connecticut Mortgage Broker License No. 4164. LendingTree is a MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Connecticut Small Loan Company License No. SLC-1136. Delaware Delaware Broker License No. 010996. LendingTree does not charge the consumer a fee for its services, rather the lenders pay a marketing replacement match fee to be put in contact with the consumer and to compete for the consumer’s business. As such the requirements under Code Del. Regs. 5 2103 are supplied to consumers who submit an inquiry, but the value of charges by LendingTree will be zero. A copy of the Schedule as of 4/11/14 is available at: http://regulations.delaware.gov/AdminCode/title5/2100/2103.pdf. District of Columbia Government of the District of Columbia Mortgage Broker License No. MLB1136. If your loan request is forwarded to our participating Lenders, you may be issued a financing agreement by the Lenders in accordance with D.C. Code Ann. § 26-1113. If provided, the financing agreement will provide: (A) the term and principal amount of the loan; (B) an explanation of the type of mortgage loan being offered; (C) the interest rate and, if the rate is subject to change, or is a variable rate, or is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (D) the points and fees, if any, to be paid by you; and (E) the term during which the financing agreement remains in effect. This financing agreement must be executed by the Lender and must be delivered as least 72 hours before settlement. DISCLOSURE OF DUAL CAPACITY: LENDINGTREE HAS OFFERED TO ASSIST YOU IN OBTAINING A MORTGAGE LOAN REQUEST. IF WE ARE SUCCESSFUL IN OBTAINING A LOAN REQUEST FOR YOU, LENDINGTREE WILL RECEIVE A MARKETING LEAD GENERATION FEE FROM THE LENDER. IF YOU ALSO USE A REAL ESTATE PROVIDER, LENDINGTREE MAY RECEIVE AN ADDITIONAL MARKETING LEAD GENERATION FEE. LENDINGTREE DOES NOT REPRESENT ALL OF THE LENDERS IN THE MARKET, AND THE LENDERS IN LENDINGTREE’S NETWORK WHICH IT DOES REPRESENT, MAY NOT OFFER THE LOWEST INTEREST RATES OR BEST TERMS AVAILABLE TO YOU. YOU ARE FREE TO SEEK A LOAN WITHOUT OUR ASSISTANCE. YOU CONSENT, ACKNOWLEDGE AND AGREE HAVING READ AND UNDERSTOOD THIS DISCLOSURE OF DUAL CAPACITY AND HAVING RECEIVED A COPY HEREOF. Florida Florida Mortgage Broker License No. MBR1298. LendingTree does not make mortgage loans or commitments. Nor can LendingTree guarantee acceptance into any particular loan program by any participating Lender, or promise any specific loan terms or conditions. If your loan request is forwarded to our participating Lenders, you may receive from such Lenders, a good faith estimate (GFE) of the credit report fee, property appraisal fee, or any other third-party fees required in connection with your loan. The documentation you receive will include the terms and conditions for obtaining a refund for said fees. YOU ARE NOT REQUIRED TO PURCHASE ADDITIONAL PRODUCTS OR SERVICES FROM LENDINGTREE OR FROM ANY PERSON OR ENTITY SUGGESTED OR RECOMMENDED BY LENDINGTREE. HOWEVER, LENDINGTREE RESERVES THE RIGHT TO APPROVE THE ENTITY SELECTED BY YOU, WHICH APPROVAL MAY NOT BE UNREASONABLY WITHHELD. Georgia Georgia Mortgage Broker/Processor License/Registration No. 12989. Hawaii Hawaii Mortgage Loan Originator Company License No. HI-1136. Idaho Idaho Mortgage Broker/Lender License No. MBL-893. LendingTree does not act as a lender or credit provider. If your loan request is forwarded to our participating Lenders, the Lenders will contact you with additional information/offers. LendingTree does not distribute the products of all Lenders or investors in the marketplace and therefore cannot guarantee the lowest price or best terms available in the market. LendingTree provides its services to you at no cost to you. LendingTree will not charge or seek fees of any kind from you. LendingTree will receive fees from the Lenders and may be paid based on fees for services, goods or facilities performed or provided by us to the Lenders. This agreement remains in effect only as long as you seek to use the services offered by LendingTree. You may discontinue this relationship at any time, without notice, at no cost or penalty to you. Idaho Prepayment Penalty Disclosure: If you, the borrower, pay off or refinance your mortgage loan before the date for repayment stated in the loan agreement, you may be charged a prepayment penalty. A prepayment penalty charge may be significant. Prior to signing any documents, make sure you fully understand the prepayment charge provisions outlined in your loan agreement. Interest Rate Lock Information: An interest rate that is not locked in is subject to change. LendingTree does not lock interest rates, only a Lender may provide such action and it increase your rate and/or cause additional fees to be assessed, make sure you fully understand the interest rate lock information in your loan agreement. Illinois Illinois Residential Mortgage License No. MB.0005433. If your loan request is forwarded to our participating Lenders, a Borrower Information Document may be provided to you by the Lender you select pursuant to the Residential Mortgage License Act of 1987 and Rules promulgated thereunder (38 Ill. Adm. Code 1050). The purpose of that Document is to set forth those exhibits and materials you should receive or be receiving in connection with your residential mortgage loan application with the Lender based on your request to LendingTree, holder of License No. MB.0005433, and regulated by the State of Illinois, Division of Banking, under the aforesaid Act. You may also receive from the Lender you select a list of documents and materials you are required to complete for your formal loan application (generally referred to as a Form 1003) with the Lender. Loan Brokerage Agreement and Broker Disclosure Statement LendingTree, LLC is a Delaware limited liability company with its corporate headquarters located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203. Any reference in this Licenses and Disclosures to “we” or “us” or similar words shall refer to LendingTree, LLC unless otherwise indicated, all such entities referred to as “LendingTree”. Any reference in Licenses and Disclosures to “you” or “your” means the person(s) using the LendingTree Websites (as defined in the Terms of Use Agreement), and/or the good, facilities or services of LendingTree offered through alternative methods. LendingTree is a marketing lead generator, required to be licensed as a Mortgage Broker or other state license designation. LendingTree DOES NOT take mortgage applications, originate, service, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements. LendingTree’s services are only administrative. Any loan inquiry you submit is NOT an application for credit. Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender, not LendingTree, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. LendingTree, LLC does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state, LendingTree, LLC is not an agent of you or any Lender. You should rely on your own judgment in deciding which available loan product, terms and Lender that best suits your personal financial requirements. The Lender is solely responsible for its services to you, and you agree that LendingTree, LLC shall not be liable for any damages or costs of any type arising out of, or in any way connected with, your use of such services. You understand that Lenders may keep your loan request information and any other information provided by LendingTree, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. In addition, LendingTree, LLC may receive personally identifiable information regarding the disposition of your loan from the Lender in order to fulfill its regulatory requirements as well as for internal business purposes. You agree to notify any particular Lender directly if you no longer want to receive communications. Notice to Prospective Borrower(s): You, or your attorney, are entitled to a copy of this agreement prior to signing or agreeing. Under Illinois law, if a RMLA licensee makes false or misleading statements in a loan brokerage agreement, the borrower may, upon written notice: (1) void the agreement; (2) recover any monies paid to the broker for which no services have been performed; and (3) recover actual costs, including attorneys’ fees for enforcing the borrower’s rights under the loan brokerage agreement. This agreement remains in effect only as long as you seek to use our services. You may discontinue this relationship at any time, without notice, at no cost or penalty to you. Illinois Department of Financial & Professional Regulation Division of Banking 100 West Randolph St., 9th Floor Chicago, IL 60601 (312) 793-7090 Indiana Indiana-SOS Loan Broker License No. 1136. LendingTree is licensed under the laws of the state of Indiana and by state law is subject to the regulatory oversight by the Indiana Secretary of State’s Securities Division. Any consumer wishing to file a complaint against or inquiry regarding the registration status of LendingTree should contact the securities division through one of the means listed below: By U.S. Mail: 302 W. Washington St. Room E-111 Indianapolis, IN 46204 By Telephone: 1-800-223-8791 By Internet: http://www.in.gov/sos/securities/index.html Iowa Iowa Mortgage Broker License No. 741. Kansas Kansas Mortgage Company License No. MC.0002279. LendingTree is a Marketing Lead Generation Company licensed with the Kansas Office of the State Bank Commissioner in accordance with the laws of the state of Kansas. This license does not represent an endorsement or recommendation of the licensee’s products or services by the Office of the State Bank Commissioner. As a consumer, you may submit a complaint or inquiry about this company by delivering a written statement to the Office of the State Bank Commissioner, 700 Jackson, Suite 300, Topeka, KS 66603. Kentucky Kentucky Mortgage Broker License No. MB17994. LendingTree is not acting as an agent for you in your request to obtain a mortgage loan before any personal financial information may be obtained by the mortgage loan broker. Louisiana Louisiana Residential Mortgage Lending License No. 189. The state of Louisiana has not reviewed and does not approve or disapprove any loan brokerage contract. The information contained in this disclosure has not been verified by the state. If you have any questions, consult with an attorney before you sign a loan contract. Maine Maine Loan Broker License No. 1136. Maine law requires that the disclosures below be provided to consumers before any contact is signed with, and before any money is paid to, a credit services organization or third parties. Written Agreement or Contract Please print out this information and save it for your records. You consent, acknowledge, and agree that you have read and received a copy of this Disclosure to Consumer. LendingTree will not act as your lender or credit provider. LendingTree provides your loan request to our Lenders and our Lenders will contact you with their conditional loan offers. While we seek to help you meet your financial needs, we do not distribute the products of all Lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market. LendingTree provides mortgage information at no cost to you. LendingTree will not charge or seek fees of any kind from you. LendingTree receives fees from Lenders and may be paid by the Lender based on services, goods or facilities performed or provided by us to the Lender. This agreement remains in effect only as long as you seek to use the services offered by LendingTree. You may discontinue this relationship at any time, without notice, at no cost or penalty to you. It is important that you read and understand all contracts related to any credit services you obtain. It is also important for you to retain a copy for your records. Escrowing of Consumer Funds LendingTree does not accept any fees from the consumer, including third party fees. Consumer Protection Bond A consumer protection bond is on file with the State of Maine. If you have a claim against our company which cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Director, Office of Consumer Credit Regulation, 35 State House Station, Augusta, Maine, 04333-0035. Maryland Maryland Mortgage Lender License No. 4737; NMLS ID #1136. LendingTree does not accept or solicit any fees or payments from consumers. If you submit a loan request to LendingTree and your loan request is forwarded to our participating Lenders, you may be issued a Financing Agreement by Lenders in accordance with Maryland Commercial Law Code §§ 12-125, -1013. This Financing Agreement must include: (1) the term and principal amount of your loan; (2) an explanation of the type of mortgage loan being offered; (3) the interest rate that will apply to the loan and, if the rate is subject to final determination at a future date based on some objective standard, a specific statement of those facts; (4) the points, if any, to be paid by you or the seller, or both; and (5) the term during which the Financing Agreement remains in effect. Massachusetts Massachusetts Mortgage Broker License No. MB1136. Massachusetts Small Loan Company License No. SL0533. LendingTree arranges but does not make loans. If your loan request is forwarded to our participating Lenders, be advised that under Massachusetts General Law ch. 184, § 17B: (1) the responsibility of the attorney for the Lender is to protect the Lender’s interests, and (2) you may, at your own expense, engage an attorney of your selection to represent your interests in the transaction. The federal Equal Opportunity Act and comparable provisions of Massachusetts law prohibit creditors from discriminating against credit applicants on the basis of race, color, religion, creed, national origin, sex, sexual orientation, ancestry, handicap, marital status, age (provided that the applicant has the capacity to enter into a binding contract), or because all or part of the applicant’s income derives from any public assistance program. The federal Equal Credit Opportunity Act also prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The state agency that administers compliance with the state law is the: Massachusetts Commission Against Discrimination One Ashburton Place Boston, Massachusetts 02108 Michigan Michigan 1st Mortgage Broker License No. FL0016258. Michigan 2nd Mortgage Broker Registrant No. SR0016259. Minnesota Minnesota Residential Mortgage Originator License No. MN-MO-40127258. LENDINGTREE IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE LENDINGTREE WILL SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE MARKET. The information on this Website may not be considered by any person to be an offer to enter an interest rate lock-in agreement under Minnesota law. Mississippi Licensed by the Mississippi Department of Banking and Consumer Finance as a Mortgage Broker, License No. 1136. As required by Mississippi law, LendingTree has secured a bond issued by Marsh USA Inc., a surety company authorized to do business in this state. A certified copy of this bond is filed with the Mississippi Commissioner of Banking and Consumer Finance. As a borrower you are protected under the Mississippi S.A.F.E. Mortgage Act. Complaints against a licensee may be made by contacting the: Mississippi Department of Banking and Consumer Finance PO Drawer 12129 Jackson, MS 39236-2129 Missouri Missouri Mortgage Company License No. 21-1261, 4509 Lemay Ferry Road, Saint Louis, Missouri 63129. NMLS ID 1136. Loan Brokerage Agreement and Loan Broker Disclosure Statement NOTICE TO CONSUMER: Do not sign this agreement before you read it. You, or your attorney, are entitled to a copy of this agreement. The below is provided pursuant to the Residential Mortgage Brokers License Act and related rules. LendingTree, LLC (formerly known as LendingTree, Inc.) is regulated by the Missouri Commissioner of Finance whose phone number is (573) 751-3242. Your Lender will provide you with any additional required documentation. LendingTree, LLC, formerly known as LendingTree, Inc., is a Delaware limited liability company with its corporate headquarters in Charlotte, North Carolina. LendingTree is a marketing lead generator, required to be licensed as a Mortgage Broker. LendingTree does not take applications, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements. LendingTree’s services are only administrative. Any loan inquiry you submit is NOT an application for credit. Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender, not LendingTree, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. LendingTree, LLC does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state (please see the Licenses and Disclosures section of the Websites), LendingTree, LLC is not an agent of you or any Lender. LendingTree, LLC’s services are only administrative. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that LendingTree, LLC shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request information and any other information provided by LendingTree, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications. LendingTree will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to Lenders; (3) offer you access to general educational information concerning home financing including glossaries, articles, and calculators; and (4) send you the initial loan offers from Lenders responding to your loan request. If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law. This agreement is dated as of the date you submit your loan request. Please print and retain a copy of this agreement and the Loan Information Page for your records. Montana Montana Mortgage Broker License No. 1097. Nebraska Nebraska Mortgage Banker License No. 1517. Nevada Nevada Mortgage Company License No. 1698. Nevada Business ID NV20051235630, Entity No. E0043732005-7. Las Vegas Business License No. P50-02291. New Hampshire Licensed by the New Hampshire Banking Department. Mortgage Broker License No. 14208-MBR. New Hampshire Small Loan Lender License No. 23645-SM. New Jersey New Jersey Residential Mortgage Broker License No. 0801779. LendingTree does not make mortgage loans or commitments or fund any mortgage loans and cannot guarantee acceptance into any particular loan program, nor promise any specific loan terms or conditions. New Mexico New Mexico Mortgage Loan Company License No. 00395. New Mexico Small Loan Company License No. 2048 IMPORTANT CONSUMER INFORMATION This brochure contains some common terms and definitions, which are intended to help you better understand your credit transaction. Credit costs money, so it is important that you fully understand the terms of your credit transaction. If you come across terms you do not understand, look up the terms or ask our personnel to explain the terms to you. Ask questions. Make certain the questions that you ask are answered. Make certain you understand the terms and costs of your loan. Common Terms and Definitions Equal Credit Opportunity Act (ECOA): A federal regulation which requires lenders to promote the availability of credit to all creditworthy applicants without regard to race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to contract); to whether all or part of the applicant’s income derives from a public assistance program; or to whether the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The regulation prohibits creditor practices that discriminate on the basis of any of these factors. Contract: A written binding document, describing terms of an agreement between two or more persons. (Keep all paperwork. Later, if there are any questions, you will have your agreement in writing.) Annual Percentage Rate (APR): The cost of your credit as a yearly rate. APR is a combination of the interest rate plus the fees charged on your loan. APR is higher than the interest rate because it includes both fees and interest as finance charges. The calculation of APR is mandated pursuant to Federal Law (12 CFR Part 1026 – Truth in Lending Act (“TIL-APR”)). It is intended to provide a single value for a consumer to compare the cost of credit between one lender and another. Under New Mexico law, an additional type of annual percentage rate (“NM-APR”) must be disclosed, which may include additional charges that are not included in the TIL-APR. The NM-APR for a loan of more than $500 and up to $10,000 made pursuant to the Small Loan Act of 1955 or the Bank Installment Loan Act of 1959 cannot exceed thirty-six percent. The NM-APR for a loan in an amount of $500 or less made pursuant to the Small Loan Act of 1955 or the Bank Installment Loan Act of 1959 cannot exceed thirty-six percent plus a fee that shall not exceed five percent of the total principal of the loan and shall not be imposed on any borrower more than once per twelve-month period. Finance Charge: The dollar amount the credit will cost you. Finance charges include interest and may also include transaction fees and service fees. Principal: The amount of money owed on a debt, on which interest is calculated. Interest: The cost of borrowing money, generally a percentage of the amount owed. Balance: The total amount of money owed to a lender. Default: Failure to pay a debt as agreed to on a contract. When a loan is in default, the lender may demand full payment of the remaining debt. Collateral: Security pledged by a borrower to protect the interests of the lender; in case of default, the lender may take ownership of the security, if any, pledged by the borrower. Credit Bureau: A private company that keeps a record of your credit history for distribution upon request by authorized parties. When you apply for credit, a lender may request a credit report to review when considering your application. Credit History: A record containing information about you, including your payment history on previous debts. Credit Report: A report of the credit history and other information about you that is kept by credit bureaus, which may include: your name, address, social security number, payment history (good and bad), current and previous debts, employers, income, etc. Accurate information on a credit report may not be legally removed. Incorrect information may be removed by disputing the information to the credit bureau involved. New Mexico Only: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website: https://www.rld.nm.gov/financial-institutions/. LOAN RATES AND FEES BELOW IS GENERAL INFORMATION REGARDING ALL RATES AND FEES THAT WILL ASSIST YOU IN MAKING YOUR LOAN DECISION. IF YOU HAVE ANY QUESTIONS, OR WOULD LIKE MORE INFORMATION, PLEASE ASK. MAKE CERTAIN THE QUESTIONS THAT YOU ASK ARE ANSWERED. MAKE CERTAIN YOU UNDERSTAND THE TERMS AND COSTS OF YOUR LOAN. ANNUAL PERCENTAGE RATE (APR) The cost of your credit as a yearly rate. APR is a combination of the interest rate plus the fees charged on your loan. APR is higher than the interest rate because it includes both fees and interest as finance charges. Your actual terms and the APR will be determined at the time your application is submitted and will be based upon your application and credit information. Not all applicants will qualify for the lowest rate. The calculation of APR is mandated pursuant to Federal Law (12 CFR Part 1026 – Truth in Lending Act (“TIL-APR”)). It is intended to provide a single value for a consumer to compare the cost of credit between one lender and another. Under New Mexico law, an additional type of annual percentage rate (“NM-APR”) must be disclosed, which may include additional charges that are not included in the TIL-APR. The NM-APR for a loan in an amount of more than $500 and up to $10,000 made pursuant to the Small Loan Act of 1955 or the Bank Installment Loan Act of 1959 cannot exceed thirty-six percent. The NM-APR for a loan in an amount of $500 or less made pursuant to the Small Loan Act of 1955 or the Bank Installment Loan Act of 1959 cannot exceed thirty-six percent plus a fee that shall not exceed five percent of the total principal of the loan and shall not be imposed on any borrower more than once per twelve-month period. TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL: Compliance Officer, 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203; 704-541-5351; compliance@lendingtree.com. New Mexico Only: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website: https://www.rld.nm.gov/financial-institutions/. New York LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker– NYS Department of Financial Services License No. RMB 208974 – Broker arranges mortgage loans with third-party providers with offices at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203. Disclosures: LendingTree does not make mortgage loans or commitments; cannot guarantee acceptance into any particular loan program, nor promise any specific loan terms or conditions; is paid by the Lender for its services; and does not charge you any fee for its services. Certain mortgage loan products impose a prepayment penalty on the borrower and the amount of, or the formula for calculating, the prepayment penalty, if any, and the terms of the prepayment penalty, if any, will be disclosed to the borrower by the Lender as soon as they are known, but no later than the issuance of the commitment (if any), for the loan product chosen by the borrower. You understand that you may address questions or comments about your loan request by calling 1-877-466-0544, or by email to LendingTreeCustomerCare@lendingtree.com. North Carolina North Carolina Mortgage Broker License No. B-113401. LendingTree does not make mortgage loans or commitments. Nor can LendingTree guarantee acceptance into any particular loan program by any Lender, or specific loan terms or conditions. You may be required by the Lender to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refundability of any fees paid. North Dakota North Dakota Residential Mortgage Lender License No. ML104625 North Dakota Money Broker License No. MB100817. NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 1200 MEMORIAL HIGHWAY, BISMARCK, NORTH DAKOTA 58504. THE DEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS. If your loan request is forwarded to one or more participating Lenders, you will receive from the Lenders detailed information about your loan, including the loan amount, interest rate, points, fees, and other terms. Ohio Ohio Residential Mortgage Lending Act Certificate of Registration No. RM.802159.000, 1210 Louden Street #2, Cincinnati, OH 45202. Notice: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. If you believe a lender has violated this law, contact: Toll-free: 800-282-0515 Local: 614-466-4986 Ohio Attorney General 30 E. Broad St., 14th Floor Columbus, OH 43215 Oklahoma Oklahoma Mortgage Broker License No. MB002490. Oklahoma Credit Services Organization License No. CSO00394. Information Statement LendingTree, LLC Main Office 1415 Vantage Park Drive, Suite 700 Charlotte, NC 28203 LendingTree is required by Oklahoma law to provide the information statement below before the execution of a contract or before the receipt of any money or other valuable consideration, whichever occurs first. 1. You have the right to review any file maintained by any consumer credit reporting agency, as provided under the Federal Fair Credit Reporting Act, 15 U.S.C. §§ 1681 through 1681x. 2. You have the right to review the above-mentioned file at no charge if a request is made to the consumer credit reporting agency within thirty (30) days after receiving notice that credit has been denied. If credit was not denied, the credit reporting agency may charge a reasonable fee to review such file. 3. You have the right to dispute the completeness or accuracy of any item contained in your file which is maintained by a consumer credit reporting agency. 4. The following paragraphs describe LendingTree’s fees and services: a. LendingTree is a marketing lead generator, required to be licensed as a Mortgage Broker. LendingTree does not take applications, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements. LendingTree’s services are only administrative. Any loan inquiry you submit is NOT an application for credit. Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender, not LendingTree, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. LendingTree, LLC does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state (please see the Licenses and Disclosures section of the Websites), LendingTree, LLC is not an agent of you or any Lender. LendingTree, LLC’s services are only administrative. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that LendingTree, LLC shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request information and any other information provided by LendingTree, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications. LendingTree will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to participating Lenders in our network; (3) offer you access to general educational information concerning home financing including glossaries, articles, and calculators; and (4) send you the initial loan offers from Lenders responding to your loan request. If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law. b. LendingTree does not charge you, the consumer, a fee to use our services. LendingTree is paid by its participating Lenders for the goods, facilities and services provided. c. If your loan request is forwarded to our participating Lenders, you may be required by the Lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refundability of any fees paid. d. LendingTree does not endorse, recommend, or favor the products of any participating Lender. LendingTree is not an agent of you or any participating Lender. LendingTree’s services are administrative and consultative only. You should rely on your own judgment in deciding which available loan product best suits your needs and financial means. You are under no obligation to use LendingTree to commence the financing process, and LendingTree, does not guarantee that completing a loan request will result in your receiving a loan from one of our participating Lenders. e. You have the right to proceed against the bond that LendingTree is required to maintain. The name and address of the surety bond company that issued the bond is Marsh USA Inc., 1111 Northshore Dr., Ste. N-550, Knoxville, TN 37919. Your submission of a loan request will serve as acknowledgement of your receipt of the above Information Statement. Agreement This agreement is made between you, the Buyer and LendingTree, LLC (“LendingTree”). This agreement is dated the date of your loan request to LendingTree. By submitting the loan request, you consent, acknowledge, and agree to the terms of this agreement. 1. LendingTree is a marketing lead generator, required to be licensed as a Mortgage Broker. LendingTree does not take applications, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements. LendingTree’s services are only administrative. Any loan inquiry you submit is NOT an application for credit. Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional offer. A Lender you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report or other items. The Lender, not LendingTree, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. LendingTree, LLC does not endorse or recommend the products of any particular Lender. Except as otherwise provided for your state (please see the Licenses and Disclosures section of the Websites), LendingTree, LLC is not an agent of you or any Lender. LendingTree, LLC’s services are only administrative. You should rely on your own judgment in deciding which available loan product, terms and Lender best suits your needs and financial means. The Lender is solely responsible for its services to you, and you agree that LendingTree, LLC shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that Lenders may keep your loan request information and any other information provided by LendingTree, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. You agree to notify any particular Lender directly if you no longer want to receive communications. LendingTree will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to participating Lenders in our network; (3) offer you access to general educational information concerning home financing including glossaries, articles, and calculators; and (4) send you the initial loan offers from Lenders responding to your loan request. If your loan request is forwarded to our participating Lenders, you will receive from the Lenders a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law. 2. LendingTree does not charge you, the consumer, a fee to use our service. LendingTree is paid by its participating Lenders for the goods, facilities and services provided. If your loan request is forwarded to our participating Lenders, you may be required by the Lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refundability of any fees paid. 3. LendingTree’s agent for service of process in Oklahoma is Corporation Service Company with an address in Oklahoma of 10300 Greenbriar Place, Oklahoma City, OK 73159. All correspondence to LendingTree should be sent to 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, Attn: Legal Department. This agreement is dated as of the date you submit your loan request. NOTICE OF CANCELLATION You may cancel this contract, without any penalty or obligation, within five (5) days from the date the contract is signed. If you cancel any payment made by you under this contract, it will be returned within ten (10) days following receipt by the seller of your cancellation notice. To cancel this contract, mail or deliver a signed dated copy of this cancellation notice, or any other written notice to LendingTree, LLC, the operator of this website at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203 not later than midnight on the day five (5) days after the date you submit the loan request. I hereby cancel this transaction. Sign: ___________________ Print: ___________________ Date: ___________________ Oregon Oregon Mortgage Lending License No. ML-1862. Oregon Consumer Finance License No. 0420-001-C. Pennsylvania Licensed by the Pennsylvania Department of Banking, Pennsylvania Mortgage Broker License No. 20298. If your loan request is forwarded to our participating Lenders, you may be required by the Lender you select to pay an application fee to cover the costs of an appraisal, credit report or other items. The amount of the fee will be determined by the Lender. The documentation you receive will include information on the refundability of any fees paid. Variable Interest Rate Disclosure On residential mortgage loans of $50,000 or less, if the Lender offers to give you a mortgage with a variable interest rate, you are entitled by law to also be offered a mortgage with an interest rate that will not change. By law, this fixed interest rate mortgage must be offered to you at reasonably competitive terms and rate. On variable interest loans, the Lender will explain to you how the interest rate can change in the future, the effect of changes in the index on the rate and term, and an explanation of the index. Rhode Island Rhode Island Loan Broker License No. 20062113LB (also doing business as LT Technologies, LLC). South Carolina Licensed by the South Carolina Department of Consumer Affairs, South Carolina Mortgage Broker License No. MB-0504600. South Carolina Branch Location LendingTree, LLC 1938 Candlewick Dr. Fort Mill, SC 29715 803-389-8430 NMLS ID #234375 Mortgage Broker Fee Agreement for Financial Services Notice to Prospective Borrower(s): Read this contract carefully so that you can make an informed choice. You are entitled to a copy of this contract. Accepting the terms of this contract does not obligate you to obtain a mortgage loan through this mortgage broker, nor does it constitute mortgage loan approval. Who do I Represent? LendingTree, as your mortgage broker, is acting as your agent in providing mortgage brokerage services. As your agent, LendingTree owes you a duty of the utmost care, honesty, and loyalty, including full disclosure of all material facts. LendingTree does not have an agency relationship with any other person. LendingTree will provide you with multiple conditional loan offers through its network of U.S. based Banks, thrifts, mortgage bankers and finance companies (“Lenders”). LendingTree is a computerized loan originator. LendingTree does not take applications, make loans or credit decisions in connection with loans, nor does LendingTree issue commitments or lock-in agreements. LendingTree’s services are only administrative. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from these Lenders. You may have to complete an application with a Lender before they will extend an unconditional loan offer. A Lender you select may require you to pay an application fee or other fee to cover the costs of an appraisal, credit report or other items. The Lender will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. Services to be Provided by Mortgage Brokerage Business LendingTree will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to Lenders; (3) offer you access to general educational information concerning home financing including glossaries, articles, and calculators; and (4) provide you with the initial loan offers from Lenders responding to your loan request. Note: initial loan offers are provided only when you complete a traditional (full-form) LendingTree loan request. If you submit a complete loan application with any of the Lenders, these Lenders will provide you with a good faith estimate of the settlement costs in connection with your loan in accordance with applicable law. Lender Payments to Broker Disclosure I understand that, as compensation for its services, LendingTree will be paid as follows: LendingTree does not charge you a fee to use its service. LendingTree receives a marketing lead generation fee, paid for by the Lender, of up to $215 and if you close a home equity loan with the lender, a computerized loan originator fee of up to $550 for the goods, facilities and services provided. Co-Brokering LendingTree does not co-broker loans in South Carolina. Borrower Payments to Broker Disclosure I understand that I am required to pay the following fees in connection with my Loan Request to LendingTree: ____ Application Fee $ N/A ____ Appraisal Fee $ N/A ____ Credit Report Fee $ N/A This Mortgage Broker Fee Agreement for Financial Services is dated as of the date you submit your loan request and is valid for ninety (90) days. For loan request information, including your name, the requested loan amount, lien priority and the date of your loan request, please see the Loan Information Page displayed prior to the submission of your loan request, which is incorporated herein by reference. For interest rates and fees applicable to your loan request, please see the Lender responses to your request. Agency to Receive Borrower Complaints The following agencies are designated to receive complaints or inquiries about the origination and making of your mortgage: Street Address South Carolina Department of Consumer Affairs 293 Greystone Blvd., Ste. 400 Columbia, SC 29210 Mailing Address P.O. Box 5757 Columbia, SC 29250 Phone 803-734-4200 or toll free in South Carolina only 1-800-922-1594 Please print and retain a copy of this information and the Mortgage Broker Fee Agreement for Financial Services and the Loan Information Page for your records. Applicant: Do not sign this form if spaces are left blank. I acknowledge by submission of my loan request that I have received these disclosures during the submission of my loan request and that I understand these disclosures or will contact LendingTree if I have questions about these disclosures. I understand that a copy of this disclosure will be maintained by LendingTree. I voluntarily enter into this mortgage transaction. This Mortgage Broker Fee Agreement for Financial Services is dated as of the date you submit your loan request form through LendingTree’s website. By submitting your loan request form, you acknowledge receipt of and that you have read and understood this Mortgage Broker Fee Agreement for Financial Services. Attention Borrowers: Know Your Rights! This may be the largest and most important loan you get during your lifetime. You should be aware of certain rights before you enter into any loan agreement. 1. You have the RIGHT to shop for the best loan for you and compare the charges of different mortgage brokers and lenders. 2. You have the RIGHT to be informed about the total cost of your loan including the interest rate, points, and other fees. 3. You have the RIGHT to ask for a Good Faith Estimate of all loan and settlement charges before you agree to the loan and pay any fees. 4. You have the RIGHT to know what fees are not refundable if you decide to cancel the loan agreement. 5. You have the RIGHT to ask your mortgage broker to explain exactly what the mortgage broker will do for you. 6. You have the RIGHT to know how much the mortgage broker is getting paid by you and the lender for your loan. 7. You have the RIGHT to ask questions about charges and loan terms that you do not understand. 8. You have the RIGHT to a credit decision that is not based on your race, color, religion, national origin, sex, marital status, age, or whether any income is from public assistance. 9. You have the RIGHT to know the reason if your loan was turned down. 10. You have the RIGHT to ask for the HUD settlement costs booklet “Buying Your Home.” 11. You have the RIGHT to request a copy of your settlement statement (Form HUD-1 or 1-A) one day prior to your loan closing. Buying Your Home and other helpful information is available at HUD’s WEB site: https://www.hud.gov/topics/buying_a_home For other questions call 1-800-569-4287. South Dakota South Dakota Foreign Corporation Entity No. FL002607. South Dakota Mortgage Brokerage License No.1136.MB. Tennessee Tennessee Mortgage License No. 109266. Tennessee Industrial Loan and Thrift Company Registration No. 166188. At this time, LendingTree does not accept loan requests for auto, credit card or personal loans from Tennessee residents, nor does LendingTree accept loan requests for home equity loans secured by Tennessee property. Texas Texas SML Mortgage Company License, NMLS ID #1136. Mr. Shan Guo’s Residential Mortgage Loan Originator No. 300978. Address: 6300 Stonewood Dr., Ste. 406, Plano TX 75024. RESIDENTIAL MORTGAGE LOAN ORIGINATOR DISCLOSURE Designated Representative: Shan Guo The information in this disclosure is provided to clarify the nature of our relationship, my duties to you, and how I am to be compensated as a Residential Mortgage Loan Originator. This disclosure is a requirement of the Texas Mortgage Broker License Act. Since I am working for LendingTree, LLC, references to “we” or “us” refer to me and LendingTree, LLC. Duties and Nature of Relationship We will be acting as follows: We will submit your loan request to a participating Lender which we may from time to time contract upon such terms as you may request or a Lender may require. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent. We will enter into separate independent contractor agreements with various Lenders. While we will seek to assist you in meeting your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest or best terms available in the market. How LendingTree, LLC will be compensated LendingTree, LLC will not charge you a fee to use its services. LendingTree, LLC receives its compensation from the Lender for the goods, facilities and services actually provided by LendingTree, LLC. These fees are paid by the Lender and are not refundable under any conditions. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST LENDINGTREE, LLC 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 WEB SITE 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 MORTGAGE COMPANY 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. Utah Utah DRE Mortgage Entity License No. 5489470-NMLC. Vermont Vermont Mortgage Broker License No. 0055 MB. LendingTree is acting in a brokerage capacity and will provide the following services in connection with your loan: making loan requests available to you; transmitting your completed loan request to participating Lenders in our network; offering you access to general educational information concerning home financing including glossaries, articles and calculators; sending you the initial loan offers from Lenders responding to your loan request. LendingTree represents your interests in the following ways: (1) LendingTree shall accurately transmit the information provided by you in the loan request form to Lenders that are authorized to conduct business in Vermont, (2) LendingTree shall comply with applicable state and federal equal credit opportunity and fair credit reporting acts, and (3) LendingTree shall safeguard the privacy of your personal identifying information by adhering to our privacy policy as published on our website. LendingTree does not otherwise represent the interests of you or the participating Lenders. Our service is consultative only and you should rely on your own judgment in deciding which loan product best suits your needs and financial means. You are not relying on LendingTree to select a loan product for you. LendingTree does not charge you a fee to use the LendingTree service. LendingTree receives fees from our participating Lenders for transmitting your loan request to the Lenders and for closed loans that were originated through the LendingTree service. Virginia Licensed by the Virginia State Corporation Commission, Virginia Mortgage Broker License No. MC-1052 (also doing business as LendingTree of Delaware, LLC. Washington Washington Mortgage Broker License No. MB-1136. You are not required to use LendingTree’s computerized loan request services to obtain a residential mortgage loan; and that the full range of loans available as offered by Lenders may not be listed on LendingTree’s computerized loan request services system, and different terms and conditions, including lower rates, may be available from others not listed on the system. If your loan request is forwarded to one or more participating Lenders you may receive from the Lenders a good faith estimate of settlement costs under RESPA and an initial disclosure statement required under the TILA. The interest rate quoted in connection with the loan you select is subject to change without notice unless and until an interest rate lock-in agreement has been made between you and the Lender. LendingTree does not offer lock-in agreements and does not guarantee any rate of interest quoted by a participating Lender. If you enter a lock-in agreement with the Lender and are required to pay a lock-in fee, the terms and conditions under which the lock-in fee may be refunded, if any, will be set by the Lender. LendingTree will not collect any fees from you in connection with your completion of a loan request. All fees will be collected from and payable by the Lender. If the Lender is licensed under the Mortgage Broker Practices Act, the fees paid by you for third-party provider services (such as an appraisal or credit report), may be held in a trust account and any moneys remaining after the payment to third-party providers will be refunded to you. If you are unable to obtain a loan for any reason, the Lender, if licensed under the Mortgage Broker Practices Act, will, within five (5) days of a written request by you, give copies to you of any appraisal, title report, or credit report paid for by you, and transmit the original appraisal, title report, or credit report to any other mortgage broker or lender to whom you direct. Transmission of these reports includes the right to use these reports. You are also entitled to receive a copy of any appraisal paid for by you, pursuant to the federal Equal Credit Opportunity Act. Washington state law against discrimination prohibits discrimination in credit transactions because of race, creed, color, national origin, sex, or marital status. The Washington State Human Rights Commission administers compliance with this law. West Virginia West Virginia Mortgage Broker License No. MB-20020. Wisconsin Wisconsin Mortgage Broker License No. 2630BR. LendingTree provides mortgage services at no cost to you. LendingTree will not charge or seek fees of any kind from you. This agreement remains in effect only as long as you seek to use the services offered by LendingTree; you may discontinue this relationship at any time, without notice, at no cost or penalty to you. This agreement does not create an exclusive relationship. LendingTree does not act as a lender or credit provider. LendingTree will forward your loan request to participating Lenders and one or more Lenders will provide you with their loan product offers. LendingTree does not distribute the products of all lenders in the market and cannot guarantee the lowest price or best terms available in the market. LendingTree receives fees from participating Lenders and may be paid services, goods or facilities performed or provided by us to the Lender. Wyoming Wyoming Mortgage Broker License No. 838. Disclosures: LendingTree does not make any mortgage loans or issue mortgage commitments. LendingTree cannot guarantee acceptance into any particular mortgage loan program or promise any specific mortgage loan terms or conditions. LendingTree does not charge you any fee for its services. LendingTree is paid a fee by the Lender for its services. PLEASE PRINT AND RETAIN A COPY OF THIS INFORMATION AND AGREEMENT FOR YOUR RECORDS. 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