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 the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Finance Lenders Law license, 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

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. For licensing information, go to www.nmlsconsumeraccess.org

STATE OF ILLINOIS
COMMUNITY REINVESTMENT NOTICE
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation once the Department completes our first evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. We will update this notice when our first evaluation has been issued.

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 Broker License MC66247

1st Mortgage Broker/Lender/Servicer Registrant No. FR0018734; 2nd Mortgage Broker/Lender/Servicer Registrant No. SR0021952

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

NV Mortgage Company License No 3968

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

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

New Mexico Mortgage Loan Company License NMLS ID # 66247

Licensed Mortgage Banker-NYS Banking Department #B500951

Mortgage Lender License No. L-103184

North Dakota Money Broker License No. MB102631

Ohio Residential Mortgage Lending Act Certificate of Registration 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 and Securities, Mortgage Lender License No. 20829; Pennsylvania Mortgage Servicer License License No. 67088

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

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 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. 8687317; 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 Mortgage Lender License No. ML-21279; West Virginia Mortgage Broker License License No. MB-36514

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

Mortgage Lender/Broker License No. 2524; Supervised Lender License No. SL-3916