Licensing & Regulatory Disclosures

Licensing Information

Low Rate Co is a mortgage brokerage and technology-enabled mortgage marketplace that helps consumers compare loan options from multiple wholesale lenders. Low Rate Co is not a bank and does not directly fund mortgage loans. All loans are subject to lender approval, underwriting requirements, and applicable federal and state regulations.

Low Rate Co is committed to maintaining compliance with all applicable mortgage lending, mortgage brokering, consumer protection, privacy, and fair lending laws.

Nationwide Mortgage Licensing System (NMLS)

Low Rate Co NMLS ID: 2120424

Verify licensing status at: https://www.nmlsconsumeraccess.org (view Low Rate Co entity record).

State Licensing Information

Low Rate Co conducts business only in states where it is properly licensed or otherwise authorized by law. Low Rate Co is currently licensed in the following states:

• California (CA)
• Colorado (CO)
• Connecticut (CT)
• Georgia (GA)
• Idaho (ID)
• Michigan (MI)
• Montana (MT)
• Oregon (OR)
• Tennessee (TN)
• Texas (TX)
• Washington (WA)

License details and current status for each state are available through NMLS Consumer Access using our NMLS ID, 2120424.

Equal Housing Opportunity

Low Rate Co is an Equal Housing Opportunity provider and does not discriminate on the basis of any protected class under federal or state law.

Fair Lending Commitment

Low Rate Co is committed to compliance with ECOA, the Fair Housing Act, HMDA, CFPB regulations, and applicable state fair lending laws.

AI Assistant Disclosure

Low Rate Co utilizes a virtual assistant, known as Cindie and powered by artificial intelligence, to assist consumers with information gathering, appointment scheduling, document collection, and general mortgage education. Cindie may collect information, answer general questions, schedule appointments, and provide status updates.

Consumer Complaints

Regulatory Agencies

• NMLS Consumer Access: https://www.nmlsconsumeraccess.org
• CFPB Complaint Portal: https://www.consumerfinance.gov/complaint/

Texas Consumers

Consumers wishing to file a complaint against a company or residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending at https://www.sml.texas.gov or 1-877-276-5550.

Website Disclaimer

Information contained on this website is for informational purposes only and does not constitute a commitment to lend, a guarantee of approval, or an offer to extend credit. All loans are subject to credit approval, underwriting review, and program guidelines.

Contact Information