Cottonwood Lending Group NMLS #2387438
At a glance
- HeadquartersEast Sandy, UT
- Licensed in5 states
- Formed in2022
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Who is Cottonwood Lending Group?
Cottonwood Lending Group (NMLS #2387438) is a lender or broker listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Cottonwood Lending Group legit?
Here's what public licensing records show. Cottonwood Lending Group holds mortgage broker licenses in Colorado, Florida, Missouri, Texas, Utah (NMLS ID #2387438, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerCottonwood Lending Group
- NMLS #2387438
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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About Cottonwood Lending Group
Overview
Cottonwood Lending Group is a mortgage brokerage for home purchase and refinance loans. It works with borrowers on residential financing and also includes commercial real estate financing among its offerings.
Mortgage options
Mortgage options include conventional, FHA, VA, USDA and jumbo home loans; HELOCs; reverse mortgages; renovation, construction and bridge loans; DSCR loans; foreign national and ITIN loans; self-employment-focused options such as bank statement and asset-based programs; down payment assistance programs; and commercial or SBA loans.
How it works
Borrowers can start an application online. The company operates as a wholesale mortgage brokerage and works with wholesale lending partners.
Locations
Cottonwood Lending Group has one recorded branch in Missouri.
Company details and licensing
The legal entity is Cottonwood Lending Group, Inc., a corporation formed in Utah on June 17, 2022. Its headquarters are in East Sandy, Utah, and its NMLS company ID is 2387438.
Cottonwood Lending Group is licensed in Colorado, Florida, Missouri, Texas and Utah.
Verify NMLS #2387438 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
Is Cottonwood Lending Group legit?
Here's what public licensing records show. Cottonwood Lending Group holds mortgage broker licenses in Colorado, Florida, Missouri, Texas, Utah (NMLS ID #2387438, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is Cottonwood Lending Group's NMLS number?
Cottonwood Lending Group's NMLS number is 2387438. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Cottonwood Lending Group's NMLS ID?
Yes. We checked Cottonwood Lending Group's company name and NMLS ID against the NMLS record on October 10, 2026. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Cottonwood Lending Group?
This page has Cottonwood Lending Group's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.