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LendULab is not a mortgage lender, mortgage broker or loan originator, is not registered with the NMLS, and does not make credit decisions or issue loan commitments. We match your request with licensed mortgage brokers and lenders who may contact you. Rates, terms and approval are determined solely by the lender and are subject to credit approval, income and asset verification, property appraisal and underwriting. Mortgage brokering is licensed per state and the service is not available in all states.