1. Corporate Identity and NMLS Registration
Lock It Mortgage is a registered trade name and licensed DBA of Swift Home Loans, Inc., Corporate NMLS Company ID #2075228. To verify our complete corporate structure and state-level licensing profiles, please visit the official NMLS Consumer Access Portal at www.nmlsconsumeraccess.org.
Swift Home Loans, Inc. (doing business as Lock It Mortgage) operates exclusively as a licensed mortgage company acting as a mortgage broker and correspondent lender across its authorized multi-state footprint.
- Principal Corporate Headquarters: 805 E. Maple Rd, Birmingham, MI 48009
- Operational Branch Location: 3901 W. Walnut St, Garland, TX 75042
- Corporate Phone Line: (888) 870-5625
- Public/Compliance Electronic Mail: info@lockitmtg.com
2. Fair Lending and Equal Credit Opportunity Act (ECOA) Covenant
Swift Home Loans, Inc. (doing business as Lock It Mortgage) is an Equal Housing Lender. In strict accordance with federal and state fair lending regulations, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the legal capacity to enter into a binding contract), because all or part of an applicant’s income may be derived from any public assistance program, or because an applicant has, in good faith, exercised any right under the Federal Consumer Credit Protection laws, the Equal Credit Opportunity Act (ECOA), or the Servicemembers Civil Relief Act (SCRA).
Our company conducts all consumer operations under absolute adherence to federal consumer protection laws, including but not limited to: the Equal Credit Opportunity Act (ECOA), Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), and the Fair Housing Act (FHA).
3. Regulatory Oversight and Consumer Complaint Agencies
Compliance with federal fair lending guidelines is administered, monitored, and enforced by the following regulatory bureaus. Consumers may contact these agencies directly regarding operational oversight or fair lending inquiries:
- Federal Trade Commission (FTC): Equal Credit Opportunity, Washington, DC 20580
- Consumer Financial Protection Bureau (CFPB) – Midwest Division : P.O. Box 4503, Iowa City, IA 52244 | Tel: (855) 411-2372 or 855-729-2372 (TTY/TDD)
- United States Department of Justice (DOJ) – Civil Rights Division: Civil Rights Division, Housing and Civil Enforcement Section, Washington, DC 20530 (www.justice.gov/crt/housing-and-civil-enforcement-section)
4. Independent Agency and No Government Affiliation
Swift Home Loans, Inc. (doing business as Lock It Mortgage) is an independent, privately held corporate entity. While we are fully authorized to originate residential mortgage loans guaranteed or insured by the United States Department of Veterans Affairs (VA) and the United States Department of Housing and Urban Development (HUD / FHA), Swift Home Loans, Inc. (doing business as Lock It Mortgage) is not a government agency, is not part of the federal government, and is not endorsed by or affiliated with any government branch or municipal authority.
5. State Regulatory Disclosures and Licensing Registry
Alabama: Licensed by the State of Alabama State Banking Department under the Consumer Credit License No. 23443.
Arizona: Arizona Mortgage Banker License No. BK-1043392. Licensed branch office located at 7137 E. Rancho Vista Dr., Suite B05, Scottsdale, AZ 85251.
Arkansas: Licensed by the Arkansas Securities Department under the Combination Mortgage Banker-Broker-Servicer License No. 131497. Principal Office: 805 E Maple Rd, Birmingham, MI 48009. Phone: 833-697-9438.
California: Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Financing Law License No. 60DBO-138783. Loans are arranged pursuant to a California Financing Law License.
Colorado: Regulated by the Department of Regulatory Agencies (DORA), Division of Real Estate. Licensed under Mortgage Company Registration NMLS #2075228.
Connecticut: Licensed by the Connecticut Department of Banking under the Mortgage Lender License No. ML-2075228.
Delaware: Licensed by the Delaware Office of the State Bank Commissioner under Lender License No. 040473.
District of Columbia: Licensed by the District of Columbia Department of Insurance, Securities and Banking under Mortgage Dual Authority License No. MLB2075228.
Florida: Licensed by the Florida Office of Financial Regulation under Mortgage Lender License No. MLD2360.
Georgia: Licensed by the Georgia Department of Banking and Finance under Mortgage Lender License/Registration No. 2075228.
Hawaii: Licensed by the State of Hawaii Department of Commerce and Consumer Affairs under Mortgage Loan Originator Company License No. HI-2075228.
Idaho: Licensed by the Idaho Department of Finance under Mortgage Broker/Lender License No. MBL-2082075228.
Illinois: Illinois Residential Mortgage Licensee No. MB.6761785. Regulated by the Illinois Department of Financial and Professional Regulation (IDFPR), Division of Banking, 555 West Monroe Street, 5th Floor, Chicago, IL 60661. Phone: 888-473-4858.
Indiana: Licensed by the Indiana Department of Financial Institutions (DFI) under Mortgage Lending License No. 64636.
Iowa: Licensed by the Iowa Division of Banking under Mortgage Banker License No. 2022-0177.
Kansas: Licensed by the Office of the State Bank Commissioner under Mortgage Company License No. MC.0026562.
Kentucky: Licensed by the Kentucky Department of Financial Institutions under Mortgage Company License No. MC833396.
Louisiana: Licensed by the Louisiana Office of Financial Institutions under Residential Mortgage Lending License NMLS #2075228.
Maine: Licensed by the Maine Bureau of Consumer Credit Protection under Supervised Lender License No. 2075228.
Maryland: Licensed by the Maryland Commissioner of Financial Regulation under Mortgage Lender License No. 2075228.
Massachusetts: Licensed by the Massachusetts Division of Banks as a Mortgage Broker (License No. MC2075228) and as a Mortgage Lender (License No. MC2075228).
Michigan: Licensed by the Michigan Department of Insurance and Financial Services (DIFS) under 1st Mortgage Broker/Lender License No. FL0024881 and 2nd Mortgage Broker/Lender Registrant No. SR0025133.
Minnesota: Licensed by the Minnesota Department of Commerce under Residential Mortgage Originator License No. MN-MO-2075228.
Mississippi: Licensed by the Mississippi Department of Banking and Consumer Finance under Mortgage Lender License No. 2075228.
Missouri: Licensed by the Missouri Division of Finance under Mortgage Company License No. 2075228.
Montana: Licensed by the Montana Division of Banking and Financial Institutions under Mortgage Broker License No. 2075228 and Mortgage Lender License No. 2075228.
Nebraska: Licensed by the Nebraska Department of Banking and Finance under Mortgage Banker License NMLS #2075228.
Nevada: Licensed by the Nevada Division of Mortgage Lending under Mortgage Company License No. NMC-128134.
New Hampshire: Licensed by the New Hampshire Banking Department under Mortgage Banker License No. 2075228MB.
New Jersey: Licensed by the New Jersey Department of Banking and Insurance under Residential Mortgage Lender License NMLS #2075228.
New Mexico: Licensed by the New Mexico Financial Institutions Division under Mortgage Loan Company License NMLS #2075228.
North Carolina: Licensed by the North Carolina Commissioner of Banks under Mortgage Lender License No. L-215720.
North Dakota: Licensed by the North Dakota Department of Financial Institutions under Residential Mortgage Lender License No. ML104294.
Ohio: Licensed by the Ohio Division of Financial Institutions under Residential Mortgage Lending Act Certificate of Registration No. RM.804691.000.
Oklahoma: Licensed by the Oklahoma Department of Consumer Credit under Mortgage Lender License No. ML015334 and Lender Name Registration Other Trade Name #1 No. LNR17221.
Oregon: Licensed under the Oregon Residential Mortgage Lending Act under Mortgage Lending License ID #2075228.
Pennsylvania: Licensed by the Pennsylvania Department of Banking and Securities under Mortgage Lender License No. 102882.
Rhode Island: Licensed by the Rhode Island Department of Business Regulation as a Lender (Lender License No. 20244693LL) and a Broker (Loan Broker License No. 20244694LB).
South Carolina: Licensed by the South Carolina Department of Consumer Affairs (South Carolina – DCA) under Mortgage Broker License NMLS #2075228.
South Dakota: Licensed by the South Dakota Division of Banking under Mortgage Lender License No. 2075228.ML.
Tennessee: Licensed by the Tennessee Department of Financial Institutions under Mortgage License No. 2075228.
Texas: Licensed by the Texas Department of Savings and Mortgage Lending (Texas – SML) under Mortgage Company License NMLS #2075228.
Utah: Licensed by the Utah Department of Commerce, Division of Real Estate (Utah-DRE) under Mortgage Entity License No. 14224734.
Vermont: Licensed by the Vermont Department of Financial Regulation as a Lender (Lender License No. LL-2075228) and a Mortgage Broker (Mortgage Broker License No. MB-2075228).
Virginia: Licensed by the Virginia State Corporation Commission as a Licensed Mortgage Broker (Broker License No. MC-723) and a Licensed Mortgage Lender (Lender License No. MC-7237). If you are refinancing a loan your finance charges may be higher over the life of the loan even if your payment decreases.
Washington: Licensed by the Washington Department of Financial Institutions under Consumer Loan Company License No. CL-2075228.
West Virginia: Licensed by the West Virginia Division of Financial Institutions under Mortgage Broker License No. MB-2075228 and Mortgage Lender License No. ML-2075228.
Wisconsin: Licensed by the Wisconsin Department of Financial Institutions as a Mortgage Banker (Mortgage Banker License No. 2075228BA) and a Mortgage Broker (Mortgage Broker License No. 2075228BR).
Wyoming: Licensed by the Wyoming Division of Banking under Consumer Lender License No. CL-5265 and Mortgage Lender/Broker License No. 5116.
