Licensing & Compliance
Licensing & Regulatory Compliance
Where Total Quality Lending is licensed, who regulates us, and how to verify any TQL loan officer’s credentials before you sign anything.
Federal licensing
Total Quality Financial, Inc., doing business as Total Quality Lending, holds NMLS company license #1933377. NMLS — the Nationwide Multistate Licensing System & Registry — is the federal/state mortgage licensing database operated by the Conference of State Bank Supervisors. Every licensed mortgage company and every licensed loan originator in the United States has an NMLS number.
Verify our company license and look up any TQL loan officer at NMLS Consumer Access:
State licensing
Total Quality Lending is headquartered in California and licensed by the California Department of Financial Protection and Innovation (DFPI) under California Financing Law license 60DBO-108369. The DFPI is Total Quality Lending’s primary state regulator.
Verify the California license at the California DFPI website.
States where we currently lend (43)
Total Quality Lending is licensed to originate loans in the following states. State-specific overlays (where they apply) are documented on each state’s landing page.
- Washington
- Oregon
- Idaho
- California
- Arizona
- Colorado
- Texas
- Minnesota
- Wisconsin
- Michigan
- Iowa
- Illinois
- Indiana
- Ohio
- Tennessee
- North Carolina
- South Carolina
- Georgia
- Alabama
- Florida
- Connecticut
- Montana
- Wyoming
- Nebraska
- Kansas
- Oklahoma
- New Mexico
- Missouri
- Arkansas
- Louisiana
- Mississippi
- Kentucky
- West Virginia
- Virginia
- Pennsylvania
- New York
- Massachusetts
- New Jersey
- Delaware
- Maryland
- Washington, D.C.
- New Hampshire
- Maine
Don’t see your state? We expand our state licensing footprint regularly — call (800) 304-1925 to confirm current availability.
Regulatory framework
Total Quality Lending originates mortgage loans in compliance with the federal and state laws that govern residential and business-purpose mortgage lending in the United States, including:
- Truth in Lending Act (TILA) — disclosure of finance charges, APR, and loan-cost structure on consumer loans.
- Real Estate Settlement Procedures Act (RESPA) — closing-cost disclosure rules and prohibition of referral kickbacks.
- Equal Credit Opportunity Act (ECOA) — prohibits discrimination in credit decisions based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.
- Fair Housing Act — prohibits housing discrimination, including in residential mortgage lending.
- Home Mortgage Disclosure Act (HMDA) — required loan-application reporting to federal regulators.
- Consumer Financial Protection Bureau (CFPB) rules — including the Ability-to-Repay / Qualified Mortgage rule for owner-occupied consumer loans.
- Bank Secrecy Act / Anti-Money Laundering — customer identification, OFAC screening, and suspicious activity reporting.
- California Financing Law — our home-state licensing statute, administered by the California DFPI.
- Each individual state’s mortgage lending and consumer-protection statutes.
Equal Housing Lender
Total Quality Lending is an Equal Housing Lender. We do not discriminate against any applicant on the basis of race, color, religion, creed, national origin, ancestry, sex, marital status, familial status, sexual orientation, age (where the applicant has the capacity to contract), medical history, disability, physical condition, military status, exercise of any right under the Consumer Credit Protection Act or the Servicemembers Civil Relief Act, receipt of public assistance, or any other basis prohibited by law. See our Legal Disclosure page for the full statement.
Consumer protections
Every TQL loan officer is individually licensed under NMLS. Before working with any loan officer on this site:
- Ask for their NMLS unique-identifier number (every licensed originator has one).
- Look it up at NMLS Consumer Access — you’ll see their license status, the states they’re licensed in, and any past disciplinary actions.
- Confirm the company on their NMLS record is Total Quality Financial, Inc. (NMLS #1933377).
If anything doesn’t match — or someone claims to represent TQL but isn’t on our NMLS record — stop the conversation and email CustomerCare@TQLend.com.
How to file a complaint
If you believe you’ve been harmed by a TQL practice, you have several complaint channels. We encourage you to reach us first — many issues are resolved fastest by a phone call. If that doesn’t resolve it:
- CFPB Consumer Complaint Portal
The federal route. Accepts complaints against any mortgage company in the U.S.
- California DFPI — File a Complaint
TQL’s primary state regulator. Use this for issues governed by California law.
- Other state regulators — CSBS directory
Directory of state mortgage regulators for the 43 states we serve.
- CustomerCare@TQLend.com
Direct line to TQL’s customer-care team. We respond to written complaints within five business days.