Federal and State License Information and Disclosures

LCEF is properly licensed or exempt from such requirements in the states where loans are purchased or offered to LCMS rostered church workers.

  • CA: (DBO) Finance Lenders Law License (6037619)
  • CO: Mortgage Company Registration (3444)
  • FL: Mortgage Lender License (MLD625)
  • GA: Mortgage Lender License/Registration (61615)
  • ID: Regulated Lender License (RRL-651)
  • IL: Illinois Residential Mortgage Licensee (MB.0006057) & Consumer Installment Loan License (CI.0002711-H)
  • IN: (DFI) Mortgage Lending License (11015) IA: Mortgage Banker Registrant (2000-0057) & Consumer Credit Notification/Registration (200009695)
  • KS: Mortgage Company License (MC.0025037) & Credit Notification/Registration (NOT.0026260)
  • KY: Mortgage Loan Company License (MC418770)
  • MD: Consumer Loan License (02-900)
  • MI: First Mortgage Broker/Lender/Servicer License (FL2194) & Second Mortgage Broker/Lender/Servicer Registrant (SR0016005) & Regulatory Loan License (RL-3037)
  • MN: Residential Mortgage Originator License (MN-MO-20211170)
  • MS: Mortgage Lender License (3444)
  • MO: Residential Mortgage Loan Broker License (17-1885) & Consumer Credit (Small) Loan Company Registration (367-19-8245)
  • MT: Consumer Loan License (3444)
  • NE: Mortgage Banker License (540)
  • ND: Money Broker License (MB100280)
  • OH: Residential Mortgage Loan Act Certificate of Registration (RM.501020.000) & General Loan Law Certificate of Registration (GL.501020.000)
  • OR: Consumer Finance License (0205-001-C)
  • SD: Non-Profit Money Lender License (NMYL.2314)
  • TX: SML Auxiliary Mortgage Loan Activity Company License (3444)
  • UT: Consumer Credit Notification (ME00061155)
  • WA: Consumer Loan Company License (CL-3444)
  • WI: Mortgage Banker License (374BA) and Consumer License
  • WY: Supervised Lender License (SL1538).

NMLS Identifying Number

Lutheran Church Extension Fund-Missouri Synod (NMLS#: 3444)
10733 Sunset Office Drive, Suite 300
St. Louis, MO 63127-1020
800-843-5233
lcef.org

LCEF Loan Originators

Renee Capehart (NMLS# 1065877)
Lori Kuhnert (NMLS#: 14202)
Pamela Macinski (NMLS#: 16679)
Karina O’Neil (NMLS#: 1125389)
Michelle Porter (NMLS#: 1675886)

Texas Complaint/ Recovery Fund Notice

Figure: 7 TAC §80.200(b)

“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A 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 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.”