Legal
Licensing & Disclosures
Last updated: September 12, 2026
Licensed Entity
All mortgage loans referenced on this website are made or arranged by ETHOS Lending, Inc. The Katalyst Team is a team of mortgage professionals operating under ETHOS Lending, Inc. and is not itself a licensed lender or broker.
ETHOS Lending, Inc.
Company NMLS ID: 1533336
26391 Crown Valley Parkway, Suite 230, Mission Viejo, CA 92691
Phone: (949) 720-1616
California Financing Law Disclosure
Loans made or arranged pursuant to a California Financing Law license, #60DBO-197352.
How to File a Complaint
If you have a complaint, first contact Ethos Lending, Inc. If you remain dissatisfied, you may contact the California Department of Financial Protection and Innovation (DFPI) by mail at Department of Financial Protection and Innovation, ATTN: Consumer Services, 651 Bannon Street, Suite 300, Sacramento, CA 95811, or by telephone at 1-866-275-2677.
Equal Housing Opportunity
Equal Housing Opportunity. We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, or disability.
Where We Are Licensed
The Katalyst Team originates residential mortgage loans in the following 10 states:
Arizona, California, Colorado, Florida, Idaho, Minnesota, Oregon, Tennessee, Texas, Washington.
Investor and business-purpose lending programs, including DSCR, bridge, fix-and-flip, and commercial investment loans, are available in the following 38 additional states:
Alabama, Arkansas, Connecticut, Delaware, Georgia, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Montana, Nebraska, New Hampshire, New Mexico, North Dakota, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Dakota, West Virginia, Wisconsin, Wyoming, Alaska, Washington DC, Hawaii, Illinois, Kansas, Michigan, North Carolina, New Jersey, Nevada, New York, Utah, Virginia, Vermont.
Licensing is verified through the Nationwide Multistate Licensing System. You can confirm the current licensing status of ETHOS Lending, Inc. and of any individual mortgage professional at NMLS Consumer Access.
Individual NMLS Identifiers
General Disclosure
ETHOS Lending, Inc., dba "ETHOS Lending", NMLS #1533336. Equal Housing Opportunity. 26391 Crown Valley Parkway, Suite 230, Mission Viejo, CA 92691. This is not a commitment to engage in a loan transaction. All applications are subject to full credit and property approval.
Nothing on this website is an offer to lend, a commitment to lend, or a guarantee of any specific rate, payment, or loan term. Interest rates, payments, program availability, and eligibility requirements are subject to change without notice. Calculators and planning tools on this website are for estimation purposes only and produce illustrative figures based on the information entered.