Alabama – Exempt * **
Alaska – Exempt
Arizona – Exempt * **
Arkansas – Exempt
California – Exempt * **
Colorado – Exempt * **
Connecticut – Exempt
Delaware – Exempt
District of Columbia – Exempt
Florida – Exempt * **
Georgia – Exempt * **
Hawaii – Exempt
Idaho – Exempt
Illinois – Exempt *
Indiana – Exempt *
Iowa – Exempt
Kansas – Exempt
Kentucky – Exempt
Louisiana – Exempt * **
Maine – Exempt
Maryland Mortgage Lender License 22213
Massachusetts Mortgage Lender License ML93460
Michigan – Exempt * **
Minnesota – Exempt
Mississippi – Exempt
Missouri - Exempt * **
Montana – Exempt
Nebraska – Exempt
Nevada Mortgage Servicer License 4428
New Hampshire – Exempt
New Jersey – Exempt
New Mexico – Exempt
New York – Exempt
North Carolina – Exempt * **
North Dakota – Exempt
Ohio – Exempt
Oklahoma – Exempt
Oregon – Exempt * **
Pennsylvania – Exempt * **
Rhode Island – Exempt
South Carolina Consumer Credit Grantor Registration Number CGL-177335
South Dakota – Exempt
Tennessee – Exempt * **
Texas – Exempt * **
Utah – Exempt
Vermont – Exempt
Virginia – Exempt * **
Washington – Exempt * **
West Virginia – Exempt
Wisconsin – Exempt * **
Wyoming - Exempt
* ULG lending areas for regular mortgages
** ULG lending areas for 1st Mortgage HELOCs.