State Licenses and Disclosures
Credible Operations, Inc. (“we” or “us”) is a Delaware corporation with its principal place of business located at 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701. We provide information and tools related to loans and mortgages accessible online at www.credible.com (the “Site”).
Credible Nationwide Mortgage Licensing System Number 1681276.
Loan pricing data, rates, and fees are provided by third-party lenders (“Providers”).
Please review our Terms of Use and Privacy Policy for additional information as these documents govern your use of the Site. These documents describe how your information will be used and shared, and include other important provisions, such as one providing for arbitration of disputes.
Credible Operations, Inc. currently conducts business in the following states:
Alabama
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Alabama Mortgage Brokers License No. 22579
Alaska
Credible Operations, Inc. (d/b/a Credible), 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Alaska Mortgage Broker/Lender License No. AK1681276
Arizona
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Arizona Mortgage Broker License MB-1008754
Arkansas
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Arkansas Mortgage Brokers License No. 116139
California
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 60DBO78870/NMLS No. 1681276
Colorado
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Colorado Mortgage Company Registration Regulated by the Division of Real Estate, NMLS # 1681276
Connecticut
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Connecticut Mortgage Brokers License No. MB-1681276, Small Loan Company License No. SLC-1681276
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER
Delaware
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Licensed Mortgage Broker, Delaware Broker License No. 027531
District of Columbia
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Government of the District of Columbia Mortgage Broker License No. MLB 1681276
Florida
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Mortgage Broker License MBR2582
Georgia
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701. Our mailing address is 6945 Northpark Boulevard, Suite L, DPT # 6037, Charlotte, NC 28216-0079. Our phone number is 866-540-6005. Mortgage Broker/Processor License/Registration No. 59409, Georgia Installment Lender License/NMLS No. 1681276
Hawaii (Inactive)
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, 500 Ala Moana Boulevard, Suite 7400; Office 433, Honolulu, HI 96813, Hawaii Loan Originator Company License No. HI-1681276
Idaho
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Idaho Mortgage Broker/Lender License MBL-2081681276
Illinois
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701,
Residential Mortgage License No. MB.6761309
Department of Financial and Professional Regulation Division of Banking
555 West Monroe Street, 5th Floor
Chicago, IL 60661
General Inquiry Inquiries: 1-888-473-4858
Division of Banking Direct: 1-844-768-1713
TYY: 1-866-325-4949
Indiana
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Indiana Loan Brokers License No. 1681276
Iowa
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Mortgage Broker License No. 0144
Kansas
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Kansas Mortgage Company License No. MC.0025523
Kentucky
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Kentucky Mortgage Loan Broker License No. MB700278
Louisiana
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Louisiana Residential Mortgage Lending License
Maine
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Loan Broker License No. 1681276
Maryland
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Mortgage Lender License No. 23122
Massachusetts
Credible Operations, Inc.,110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Mortgage Broker License No. MB1681276.
Michigan
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, First Mortgage Broker License No. FL0021898 and Second Mortgage Broker Registrant, No. SR0021899
Minnesota
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Minnesota Residential Mortgage Originator License No. MN-MO-1681276
CREDIBLE OPERATIONS, INC. IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE CREDIBLE OPERATIONS, INC. 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
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Mississippi Mortgage Brokers License No. 1681276
Montana
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Montana Mortgage Broker License 1681276
Nebraska
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Mortgage banker License
Nevada
Credible Operations, Inc., 9205 W. Russell Road, Suite 240, Office 282, Las Vegas, NV 89148. Toll Free Ph. 855-413-9441, Local Ph. 702-839-4118, Nevada Mortgage Company License 5121. Credible Operations, Inc. operates as a licensed mortgage broker that works with consumers to identify loan options they may qualify for, accept loan requests and transmit them to lenders, assist in negotiating credit terms, and coordinate the loan process with the lender, borrower, and other parties or service providers if necessary. The purchase of credit life or accident and health insurance is not required as a condition for the granting of a loan.
Credible Operations, Inc. is a loan solicitor with an installment loan license issued by the Nevada Department of Business and Industry’s Financial Institutions Division. Our office at 110 Corcoran Street, Suite 151, Durham, NC 27701 operates under license number IL11139. Our office at 9205 Russell Road, Suite 240, Office 287; Las Vegas, NV 89148 operates under license number IL11138.
New Hampshire
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, New Hampshire Mortgage Brokers License No. 22876-MBR, Small Loan Lender License No. 22877-SM
New Jersey
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Licensed by the New Jersey Department of Banking and Insurance Residential Mortgage Broker License 1681276
New Jersey Consumer Finance Company License Number L072049
New Mexico
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, New Mexico Mortgage Loan Company License, NMLS No. 1681276
North Carolina
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Mortgage Broker License No. B-177231
Loan Broker Registration No. 260
North Dakota
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Money Broker License MB103242
NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF BANKING AND FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204.THE DEPARTMENT OF BANKING AND 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 BANKING AND FINANCIAL INSTITUTIONS.
Ohio
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Ohio Residential Mortgage Lending Act Certificate of Registration, RM.804380.000, Ohio Consumer Installment Loan Act License Number Cl.550151.000
Oklahoma
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Oklahoma Mortgage Brokers License No. MB012194
Oregon
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701,
Oregon Mortgage Lending License No. ML 5648
Oregon Consumer Finance License 0456-001-C
Rhode Island
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Rhode Island Licensed Loan Broker, Rhode Island Loan Broker License No. 20204070LB
Pennsylvania
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Licensed by the Pennsylvania Department of Banking Mortgage Broker License No. 64682
Licensed by the Department of Banking and Securities as a Consumer Discount Company, License No. 81942
South Carolina
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, South Carolina DCA Mortgage Broker License
South Dakota
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, South Dakota Mortgage brokerage License No. MB.00055
Tennessee
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701,
Tennessee Mortgage License 143276
Tennessee Industrial Loan and Thrift Company Registration Number 167126
Texas (Mortgage)
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701,
NMLS No. 1681276
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST CREDIBLE OPERATIONS, INC 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 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 WEB SITE AT WWW.SML.TEXAS.GOV.
Texas (Consumer Loans Regulated under Texas Finance Code Chapter 342)
Credible Operations, Inc., d/b/a Credible, 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Regulated Lender License Number 1700059795-164641
Utah
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Mortgage Entity Licenses 11082189 and 11351380
Vermont
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Licensed by the Vermont Banking Division - Mortgage Broker License No. 1428 MB
Loan Solicitation License LSO-1681276
Virginia
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Licensed by the Virginia Bureau of Financial Institutions – Broker License No. MC-6815
Washington
Credible Operations, Inc. (d/b/a Credible), 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Washington Consumer Loan Company License CL-1681276
West Virginia
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, West Virginia Mortgage Broker License No. MB-1681276
West Virginia Credit Services Organization License Number 481138
Wisconsin
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Wisconsin Mortgage Broker License No. 1681276BR
Wisconsin Consumer Act Registration Number 54510
Wyoming
Credible Operations, Inc., 110 Corcoran St. 5th Floor Suite 151, Durham, NC 27701, Wyoming Mortgage Broker License No. 3334
Credible Operations, Inc. does not act as a lender or credit provider. Credible Operations, Inc. will forward your loan request to participating Lenders and one or more Lenders may provide you with their loan product offers. Credible Operations, Inc. does not have relationships with all lenders in the market and cannot guarantee the lowest price or best terms available in the market.
Credible Operations, Inc. receives fees from participating Providers and may be paid for services performed or provided by us to the Provider.