Licensing
Enrich Loans a dba of Emporium TPO LLC 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.
Our Footprint is Expanding
We’re proud to be offering loans in multiple states, allowing us to support borrowers with reliable, compliant mortgage solutions searching for their investment opportunity.
Explore the map to see where we currently offer DSCR loans, HELOCs, or both — as we continue building accessible, modern lending solutions nationwide.
State licensing details — the columns show which programs are available in each state.
Visit the NMLS access page for more information. NMLS access page
| State | Licensing Agency/Name | License# | DSCR | HELOC |
|---|---|---|---|---|
| Alabama | Consumer Credit License | 23089 | DSCR: yes | HELOC: yes |
| Arizona | Mortgage Banker License | Corporate – 1035790 / AZ | DSCR: yes | HELOC: yes |
| Arkansas | Mortgage Banker License | 126719 | DSCR: yes | HELOC: no |
| California | Licensed by the DFPI. License # 60DBO-159058 | 60DBO-159058 | DSCR: yes | HELOC: yes |
| Colorado | Mortgage Company Registration | None/NMLS# 2278548 | DSCR: yes | HELOC: no |
| Connecticut | Mortgage Lending License | ML-2278548 | DSCR: yes | HELOC: no |
| Delaware | Lender License | 37551 | DSCR: yes | HELOC: no |
| District of Columbia | Mortgage Dual Authority License | MLB2278548 | DSCR: yes | HELOC: no |
| Florida | Licensed by the Office of Financial Regulation | MLD2214 | DSCR: yes | HELOC: yes |
| Georgia | Mortgage Lender License/Registration | 2278548 | DSCR: yes | HELOC: yes |
| Indiana | Mortgage Lending License | 61498 | DSCR: yes | HELOC: yes |
| Illinois | Residential Mortgage License For licensing information, go to: www.nmlsconsumeraccess.org Illinois Department of Financial and Professional Regulation Residential Mortgage Banking, 555 West Monroe Street, 5th Floor, Chicago, IL. 60661 All Inquiries: 844.768.1713 www.idfpr.com |
MB 6761682 | DSCR: yes | HELOC: yes |
| Kansas | Mortgage Company License | MC 0025750 | DSCR: yes | HELOC: yes |
| Kentucky | Mortgage Lender License | MC778677 | DSCR: yes | HELOC: no |
| Louisiana | Residential Mortgage Lending License | NMLS # 2278548 | DSCR: yes | HELOC: no |
| Maine | Supervised Lender License | 2278548 | DSCR: yes | HELOC: no |
| Maryland | Mortgage Lender License | NMLS # 2278548 | DSCR: yes | HELOC: no |
| Michigan | First Mortgage Broker Lender License | FL0024351 | DSCR: yes | HELOC: no |
| New Hampshire | Mortgage Banker License | 2278548MB | DSCR: yes | HELOC: no |
| New Jersey | Residential Mortgage Lender License | – | DSCR: yes | HELOC: no |
| New Mexico | Mortgage Loan Company License Registered with the New Mexico Secretary of State as Enrich Loans, LLC, operating as Emporium TPO LLC dba Enrich Loans. |
NMLS 2278548 | DSCR: yes | HELOC: no |
| North Carolina | Mortgage Lender License | 217575 | DSCR: yes | HELOC: no |
| Ohio | Residential Mortgage Lending Certificate of Registration | RM.805162.000 | DSCR: yes | HELOC: no |
| Oklahoma | Mortgage Lender License | MLO14697 | DSCR: yes | HELOC: no |
| Oregon | Mortgage Lender License | 2278548 | DSCR: yes | HELOC: yes |
| Rhode Island | Lender License | 20224459LL | DSCR: yes | HELOC: no |
| South Carolina | South Carolina-BFI Mortgage Lender / Servicer License | MLS – 2278548 | DSCR: yes | HELOC: no |
| South Dakota | Non-Residential Mortgage Lender License / South Dakota Lender License | 2278548ML-NR / 2278548.ML | DSCR: no | HELOC: yes |
| Tennessee | Mortgage License | NMLS 2278548 | DSCR: yes | HELOC: no |
| Texas | Mortgage Company License (SML) TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY 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:WWW.SML.TEXAS.GOV. |
None / NMLS 2278548 | DSCR: yes | HELOC: no |
| Virginia | Lender License | MC-7537 | DSCR: yes | HELOC: no |
| West Virginia | Mortgage Lender License | ML-2278548 | DSCR: yes | HELOC: no |
| Wisconsin | Mortgage Banker License | 2278548BA | DSCR: yes | HELOC: no |