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Peoples Home Equity Mortgage Lending




Cardinal Financial Company, Limited Partnership DBA Peoples Home Equity, Inc. (NMLS 66247)
Disclosures and License Information

Peoples Home Equity is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

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

Alabama Consumer Credit License No. 21782

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

Arizona Mortgage Banker License No. 0925883

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

Licensed by Department of Business Oversight under the California Financing Law, License No. 603K498

Cardinal Financial, NMLS No. 66247, (855) 561-4944, Regulated by the Division of Real Estate

Mortgage Lender License No. ML-66247

Delaware Licensed Lender License No. 1666

District of Columbia
Mortgage Dual Authority License No. MLB66247; MLB1060801; MLB1062477

Mortgage Lender Servicer License No. MLD236

Mortgage Lender License No. 16020

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

Idaho Mortgage Broker/Lender License No. MBL-8598

Illinois Residential Mortgage Licensee No. MB.6760960

Indiana DFI First Lien Mortgage Lending License No. 19692

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

Kansas Licensed Mortgage Company; License No. MC.0025207

Kentucky Mortgage Company License No. MC98128

Louisiana Residential Mortgage Lending License

Maine Supervised Lender License No. 66247

Mortgage Lender License No. 6475; 06-20659; 06-20660

Massachusetts Mortgage Lender License MC66247; Massachusetts Mortgage Lender License – OTN#1 MC66247; Massachusetts Mortgage Broker License MC66247

First Mortgage Broker/Lender/Servicer Registrant No. FR0018734

Residential Mortgage Originator License No. MN-MO-66247; Residential Mortgage Originator License Other Trade Name #1 License No. MN-MO-66247.1

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

Missouri Company License No. 15-2210. In-state branch located at 800 E. 101st Terrace, Suite 350, Office #366, Kansas City, MO 64131. Conducting business under Cardinal Financial Company, Limited Partnership as well as Sebonic Financial.

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

Nebraska Mortgage Banker License No. NE66247

Nevada Mortgage Banker License No 3967; Nevada Mortgage Broker License No. 3968

New Hampshire
Licensed by the New Hampshire banking department – License No. 19035-MB

New Jersey
Residential Mortgage Lender License No. 8701663, Licensed by the New Jersey Department of Banking and Insurance

New Mexico
New Mexico Mortgage Loan Company License NMLS ID # 66247

New York
Licensed Mortgage Banker – New York Department of Financial Services. Lic. No. B500951

North Carolina
Mortgage Lender License No. L-103184

North Dakota
North Dakota Money Broker License No. MB102631

Ohio Mortgage Broker Act Mortgage Banker Exemption No. MBMB.850199.000

Oklahoma Mortgage Lender License No. ML010197; Oklahoma Mortgage Lender License – Other Trade Name #1 No. ML011951

Mortgage Lender License No. ML-5201

Licensed by the Pennsylvania Department of Banking, Mortgage Lender License No. 20829;

Mortgage Servicer License LIcense No. 67088

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

South Carolina
Mortgage Lender / Servicer License No. MLS – 66247; South Carolina-BFI Mortgage Lender/Servicer License – Other Trade Name #2 License No. MLS – 66247 OTN #2

South Dakota
South Dakota Mortgage Lender License No. ML.05041

Tennessee Mortgage License No. 117278

Mortgage Banker Registration
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker 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 website 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 banker 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 DRE Mortgage Entity License No. 8687522; Utah DRE Mortgage Entity License Other Trade Name #1 No. 8687522; Utah-DRE Mortgage Entity License – Other Trade Name #2 License No.10915869

Vermont Lender License No. 6718; Vermont Lender License – Other Trade Name #1, No. 6719

Licensed under the Virginia State Corporation Commission. License No. MC-1825, NMLS ID # 66247 (www.nmlsconsumeraccess.org); Mortgage Broker License 1426MB

Consumer Loan Company License No. CL-66247; CL-1060801; CL-1062477

West Virginia
West Virginia Mortgage Lender License No. ML-21279
Wisconsin Mortgage Banker License No. 66247BA; Wisconsin Mortgage Broker License 66247BR

Wyoming Mortgage Lender/Broker License No. 2524

Any interest rate, points, and fees quoted at the time of application are subject to change until the loan is closed. The estimated processing time for closing the loan is unknown at this time. An estimate will be provided to you after this application is provided to our team members in Virginia. The estimated processing time will take into account the time needed for performance of any local government inspections and any functions necessary to close the loan.

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

The Federal Equal Credit Opportunity Act 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 a public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this company is the Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3710, Huston Texas 77010.


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