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Disclosures & Licensing

Zippy Loans, 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.

Zippy, Inc.

9450 SW Gemini Dr PMB 57583
Beaverton, Oregon 97008-7105
512-975-2947
NMLS Consumer Access

License Numbers

Zippy Loans, LLC:

State License Number License Type Additional Content
Alabama 23176 Combination Mortgage Banker-Broker-Servicer License
Arizona N/A N/A As a chattel only lender, Zippy Loans, LLC is exempt from licensure
Arkansas 130545 Consumer Credit License
Colorado N/A Mortgage Company Registration
Florida MLD2394 Mortgage Lender Servicer License
Georgia 2189776 Mortgage Lender License
Illinois MB.6761828 Residential Mortgage License Regulated by:
IDFPR-Residential Mortgage Banking
555 W. Monroe, Suite 500
Chicago, IL 60661
(888) 473-4858
Indiana 61954 Mortgage Lending License
Iowa 88893630 Master Loan Company Registration
Kansas MC.0026211 Mortgage Company License
Kentucky MC812118 Mortgage Company License
Michigan 2189776 Exempt Company Registration
Minnesota MN-OX-2189776 Residential Mortgage Originator Exemption
Missouri 2189776-M Mortgage Company License
Ohio RM.805127.000 Residential Mortgage Lending Act Certificate of Registration
Oklahoma ML015572 Mortgage Lender License
Oregon 2189776 Exempt Company Registration
South Carolina MLS - 2189776 Mortgage Lender / Servicer License
Tennessee 2189776 Mortgage License
Texas SML N/A Mortgage Company License 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 AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORTGAGE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
Texas OCCC 2100069908 Registered Creditor
Utah N/A Utah-DFI Consumer Credit Notification
Virginia N/A As a chattel only lender, Zippy Loans, LLC is exempt from licensure
Washington CL-2189776 Consumer Loan Company License
Wisconsin 2189776BA Mortgage Banker License
Wyoming (consumer lender) CL-4923 Consumer Lender License
Wyoming (lender/broker) Mortgage Lender/Broker License Mortgage Lender/Broker License


California Fee Schedule

*This document will be updated if the fees below change.

Loan Amount Loans Offered by Zippy in CA? Rate of Charge / APR Administrative / Origination Fee Late Fee NSF Fee Other Fees Charged / Method of Computing Charges
Less than $2,500 No N/A - Zippy does not originate California loans in this amount range. N/A N/A N/A N/A - no charges apply because loans in this amount range are not offered.
$2,500 to $4,999.99 No N/A - Zippy does not originate California loans in this amount range. N/A N/A N/A Combination Mortgage Banker-Broker-Servicer License
$5,000 to $9,999.99 No N/A - Zippy does not originate California loans in this amount range. N/A N/A N/A Combination Mortgage Banker-Broker-Servicer License
$10,000 and greater Yes APR is determined by investor standards and is based on borrower qualifications, loan terms, and applicable finance charges. Final APR will be disclosed to the borrower before closing and will fall between 7.5% and 15.5% $2,300 or 3% of the base loan amount. The applicable amount is computed using the base loan amount for the transaction. 5% of the unpaid installment after a 15-day grace period. $15 per returned or dishonored payment. Tax certification: $100.
Notary fee: maximum of $15 per notarized signature.
Certificate of titling/lien notation: $23 for each transportable section.
Credit report: $4.
Flood certificate: $12.
Valuation fee: $49.