Licensing

Cardinal Financial Company, Limited Partnership dba Sebonic Financial holds the following state licenses to make mortgage loans or operate under a licensing exemption as described below.

StateLicense(s)
Alabama

Alabama Consumer Credit License No. 21782

Alaska

Alaska Mortgage Broker/Lender License No. AK66247; Alaska Mortgage Broker/Lender License – Other Trade Name #1, No. AK66247-1; Alaska Mortgage Broker/Lender License – Other Trade Name #2, No. AK66247-2

Arizona

Arizona Mortgage Banker License No. 0925883

Arkansas

Arkansas Combination Mortgage Banker-Broker-Servicer License No. 105783

California

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; California - DFPI Residential Mortgage Lending Act License No. 41DBO-92455. Loans made or arranged pursuant to a California Finance Lenders Law license, License No. 603K498; California - DFPI Financing Law License No. 603K498

Colorado

Colorado Mortgage Company Registration

Connecticut

Connecticut Mortgage Lender License No. ML-66247; Connecticut Exempt Mortgage Servicer Registrant License No. EMSR-66247

Delaware

Delaware Licensed Lender License No. 1666

District of Columbia

District of Columbia Mortgage Dual Authority License No. MLB66247

Florida

Florida Mortgage Lender Servicer License No. MLD236

Georgia

Georgia Mortgage Lender License No. 16020

Hawaii

Hawaii Mortgage Loan Originator Company License No. HI-66247
Hawaii Mortgage Servicer License No. MS162

Idaho

Idaho Mortgage Broker/Lender License No. MBL-8598

Illinois

Illinois Residential Mortgage Licensee No. MB.6760960. For licensing information, go to www.nmlsconsumeraccess.org

Community Reinvestment Act Notice
Under the Illinois Community Reinvestment Act (ILCRA), the Secretary of the Department of Financial and Professional Regulation (Secretary) evaluates our record of helping to meet the lending needs of this community consistent with safe and sound operations. The Secretary also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the ILCRA, including, for example, information about our additional full-service office(s), such as their location and services provided at them; the public section of our most recent ILCRA Performance Evaluation, prepared by the Secretary; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the Secretary publishes a nationwide list of the covered mortgage licensees that are scheduled for ILCRA examination in that quarter. This list is available from the Secretary at 320 West Washington Street, 3rd Floor, Springfield, IL 62786 and at 555 West Monroe Street, Suite 500, Chicago, IL 60661. You may send written comments about our performance in helping to meet community lending needs to (name and address of official at covered mortgage licensee) and the Secretary. You may also submit comments electronically through the Department's Web site at https://idfpr.illinois.gov/admin/cra.html. Your letter, together with any response by us, will be considered by the Secretary in evaluating our ILCRA performance and may be made public. You may ask to look at any comments received by the Secretary. You may also request from the Secretary an announcement of our applications covered by the ILCRA filed with the Secretary.

State of Illinois, Division of Banking
Illinois Department of Financial and Professional Regulation (IDFPR)
555 West Monroe Street, 5th Floor
Chicago, IL 60661
Telephone Number: 1-888-473-4858
http://www.idfpr.illinois.gov/

Indiana

Indiana DFI First Lien Mortgage Lending License No. 19692

Iowa

Iowa Mortgage Banker License No. 2013-0127; Iowa Mortgage Banker License - Other Trade Name #2 License No. 2018-0076

Kansas

Kansas Licensed Mortgage Company; License No. MC.0025207

Kentucky

Kentucky Mortgage Company License No. MC98128

Louisiana

Louisiana Residential Mortgage Lending License

Maine

Maine Supervised Lender License No. 66247

Maryland

Maryland Mortgage Lender License No. 66247

Massachusetts

Massachusetts Mortgage Lender License No. MC66247; Massachusetts Mortgage Broker License No. MC66247

Michigan

Michigan 1st Mortgage Broker/Lender/Servicer Registrant License No. FR0018955; Michigan 2nd Mortgage Broker/Lender/Servicer Registrant License No. SR0021952

Minnesota

Minnesota Residential Mortgage Originator License No. MN-MO-66247

Mississippi

Licensed by the Mississippi Department of Banking and Consumer Finance; Mississippi Mortgage Lender License No. 66247

Missouri

Missouri Mortgage Company License No. 15-2210.

Montana

Montana Mortgage Lender License No. 66247; Montana Mortgage Broker License No. 66247

Nebraska

Nebraska Mortgage Banker License No. NE66247

Nevada

Nevada Mortgage Company License No 3968

New Hampshire

New Hampshire Mortgage Banker License No. 66247MB

New Jersey

Residential Mortgage Lender License No. 8701663, Licensed by the New Jersey Department of Banking and Insurance; New Jersey RMLA-Licensed Mortgage Servicer Registration

New Mexico

New Mexico Mortgage Loan Company License

New York

Licensed Mortgage Banker-NYS Department of Financial Services. New York Mortgage Banker License No. LMBC 111129; New York Exempt Mortgage Loan Servicer Registration License No. S100165

North Carolina

North Carolina Mortgage Lender License No. L-103184

North Dakota

North Dakota Residential Mortgage Lender License No. ML103264; North Dakota Residential Mortgage Loan Servicer License No. MS104895; North Dakota Money Broker License No. MB103264

Ohio

Ohio Residential Mortgage Lending Act Certificate of Registration License No. RM.850199.000

Oklahoma

Oklahoma Mortgage Lender License No. ML010197; Oklahoma Mortgage Lender License - Other Trade Name #2

Oregon

Oregon Mortgage Lending License No. ML-5201

Pennsylvania

Pennsylvania Mortgage Lender License No. 20829; Pennsylvania Mortgage Servicer License No. 67088

Rhode Island

Rhode Island Lender License No. 20132934LL; Rhode Island Loan Broker License No. 20183636LB

South Carolina

South Carolina-BFI Mortgage Lender / Servicer License No. MLS - 66247; South Carolina-BFI Mortgage Lender/Servicer License - Other Trade Name #12 License No. MLS - 66247 OTN #1

South Dakota

South Dakota Mortgage Lender License No. 66247.ML

Tennessee

Tennessee Mortgage License No. 66247

Texas

Texas - SML Mortgage Banker Registration
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.

Utah

Utah DRE Mortgage Entity License No. 8687522; Utah DRE Mortgage Entity License Other Trade Name #1 License No. 8687317; Utah-DFI Residential First Mortgage Notification

Vermont

Vermont Lender License No. 6718; Vermont Lender License - Other Trade Name #1 License No. 6719; Vermont Mortgage Broker License No. 1426 MB

Virginia

Virginia Lender License No. MC-1825, NMLS ID # 66247 (www.nmlsconsumeraccess.org); VIrginia Broker License MC-1825

Washington

Washington Consumer Loan Company License No. CL-66247

West Virginia

West Virginia Mortgage Lender License No. ML-21279; West Virginia Mortgage Broker License No. MB-36514

Wisconsin

Wisconsin Mortgage Banker License No. 66247BA; Wisconsin Mortgage Broker License 66247BR

Wyoming

Wyoming Mortgage Lender/Broker License No. 2524; Wyoming Consumer Lender License No. CL-3916

More details on our licensing can be found on the Nationwide Mortgage Licensing System (NMLS) Consumer Access website. Our NMLS ID is 66247.