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Paragon Mortgage Services, Inc. Legal Disclosures and Licensing


Paragon Mortgage Services, Inc. (NMLS 50139) is a Mortgage Brokerage, Incorporated in the State of Colorado and maintains its corporate headquarters in the Denver Technological Center.

Paragon Mortgage Services' Corporate Officer is Susan Martin Oberbillig, President (NMLS ID 50785).  Susan is a licensed Mortgage Loan Originator and Primary Lending Manager in the States of: Arizona, California, Colorado, Florida, Iowa, North Dakota, Texas and Utah.

In accordance with State Mortgage Licensing Laws, all Individual Licensed Mortgage Loan Originators and Processors maintain required Surety Bond and Errors and Omissions Insurance coverages, as defined and administered by each State Regulatory agency.


Corporate Headquarters Address and Contact Information for Consumer and Client Matters:

4600 South Syracuse Street, 9th Floor

Denver, CO 80237

For General Information, Customer Service or Human Resources, Email: or call: 303-PARAGON (303-727-2466) or Toll Free: 1-888-PARAGON (1-888-727-2466)

Paragon Mortgage Services, Inc. Arizona Branch License# 866222
Address: 18444 N. 25th Ave. Suite 420-527, Phoenix, AZ 85023. 

This Address is for Arizona Regulatory Requirements Only, and no Consumer or Client support is available at this Branch Location. Please refer all Consumer and Client questions and requests to the Paragon Mortgage Services, Inc. Corporate Headquarters location.


In order to provide homebuyers and the general public with greater information concerning the companies and professionals in the mortgage industry and in fulfillment of the federal S.A.F.E. Mortgage Licensing Act of 2008, the Nationwide Multistate Licensing System (NMLS) hosts a website called NMLS Consumer Access. NMLS Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed companies, branches, and individuals licensed and registered through NMLS. Found online at, NMLS Consumer Access is a stand-alone website, separate from NMLS, that contains administrative and licensing information for companies, branches, and individuals licensed or registered through NMLS. 

For more, see Information about Consumer Access.


NMLS Consumer Access is provided without charge to the public.


Arizona Mortgage Company Broker License, 0919711, Active Since: 02.28.2012

Arizona Mortgage Broker Branch License, 0117384 Active Since: 02.28.2012

California Finance Lenders Law License, 603B332 Active Since: 07.05.2005

Colorado Business License, 20041058390 Active Since: 10.05.2000
Florida Mortgage Company Broker License, MBR425 Active Since:04.06.2005
Iowa Mortgage Company Broker License, 2018-0035 Active Since: 03.09.2018

North Dakota Money Broker License, MB 103435 Active Since:  05.10.2019

Texas-SML Mortgage Company License, 50139 Active Since: 01.16.2023
Utah-DRE Mortgage Entity License, 5904483-MLCO  Active Since: 07.05.2006


Arizona: The Arizona Department of Financial Institutions (AZDFI). 

California: Department of Financial Protection and Innovation.

Colorado: Colorado Department of Regulatory Affairs (DORA) Division of Real Estate.
Florida: The Florida Office of Financial Regulation (FOFR).
Iowa: Iowa Division of Banking. 

North Dakota: North Dakota Department of Financial Institutions.

Texas: Dept of Savings and Mortgage Lending. and the Office of the Consumer Credit Commissioner (OCCC) 

Utah: The Utah Department of Commerce, Division of Real Estate: 


Veterans Administration (VA),  Lender Agent ID Number 239107-0000, 11.07.2003


You are notified that all State and Federal disclosures are required to be understood and acknowledged, including but not limited to the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), TILA-RESPA Integrated Disclosures (TRID), and certain other federal and state laws, including details of your cost of credit, Loan Estimates of your settlement costs, HUD mandated booklets and your right to a copy of any appraisal, if any, performed on your home.

The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.  The federal agency that administers compliance with this law is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

If your loan request is forwarded to a Lender that makes you an offer, you should receive from the Lender a Loan Estimate (LE) required under TRID and an initial loan disclosure package, within three business days from the date you submit a complete loan application with the Lender.


 If the Lender denies your request for credit, and that action is based, in whole or in part, on any information contained in a consumer credit report, you have the right to obtain, within sixty days, a free copy of your consumer credit report from the credit reporting agency which compiles and maintains files on consumers on a nationwide basis. You also have the right to dispute the accuracy or completeness of any information in a consumer credit report furnished by the consumer credit reporting agency by contacting that agency directly. An applicant, if married, may apply for a separate account.

As a Mortgage Origination Broker Company, Paragon Mortgage Services acts as an agent of its participating Banks and Lenders, and in this capacity Paragon Mortgage Services provides administrative and consultative support to consumers related to its participating Bank and Lender Real Estate offers and representative Loan Product Lines only. Each customer is hereby notified that commencing the financing process and completing a loan request with Paragon Mortgage Services does not guarantee that any customer's request will result in each or any customer receiving a loan with one of our approved Banks or Lenders or that an offered loan may meet your personal needs or requirements. Paragon Mortgage Services, Inc. will provide each customer recommendations on available products, services, rates and terms, but each consumer requesting consultative services with Paragon Mortgage Services, Inc. should rely on your own judgment in deciding which available loan product best suits your needs and financial means.

No consumer is required to use Paragon Mortgage Services, Inc. as a condition for settlement of your loan on any property or financing and there may be other lenders available with similar services. You are free to contact any other lenders to ensure that you are receiving the best services and the best rate for these services. Paragon Mortgage Services is not a Bank or Wholesale Loan Investor and Paragon Mortgage Services does not make loans or credit decisions in connection with loans, nor does Paragon Mortgage Services issue commitments or lock-in agreements.

No consumer is under any obligation to use a Paragon Mortgage Services Officer or Mortgage Loan Originator and all consumers are hereby notified that if you choose to apply for a loan with Paragon Mortgage Services, Inc., all compensation will be disclosed in accordance with Local, State and Federal laws and the requirements of TRID.


We do business in accordance with Federal Fair Lending Laws


UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO: Deny a loan for the purpose of purchasing, constructing, improving, repairing, or maintaining a dwelling, or to deny any loan secured by a dwelling; or Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.


If you believe that you have been discriminated against, you should send a complaint to:


Assistant Secretary for Fair Housing and Equal Opportunity

Department of Housing and Urban Development

Washington, DC 20410


Division of Compliance and Consumer Affairs

Federal Deposit Insurance Corporation

Washington, DC  20429-9990

For processing under the FEDERAL FAIR HOUSING ACT:

Division of Compliance and Consumer Affairs

Federal Deposit Insurance Corporation

Washington, DC 20429-9990


For processing under the Comptroller of the Currency Regulations - UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION: On the basis of race, color, national origin, religion, sex, marital status, or age; Because income is from public assistance; or Because a right has been exercised under the Consumer Credit Protection Act.


NOTICE TO ALL: NRMLA/HUD disclaimer, "This material is not from the CFPB, HUD or FHA and has not been approved by the CFPB, HUD or any government agency."

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