Mortgage Lender Reviews & Ratings » Independence Home Loans
Independence Home Loans NMLS #2524174
Average Available Sources
Based on 28 Verified Customer Ratings
Key Facts
- LenderIndependence Home Loans
- NMLS # 2524174
- Overall rating4.3 out of 5
- Total reviews28
- Review sourceAverage Available Sources
- Last updated
Compare current mortgage rates · Mortgage calculator · All lender reviews
About Independence Home Loans
Overview
Independence Home Loans is publicly listed as the trade name for INDEPENDENCE HOME LOANS LLC, according to the provided NMLS record. The company is organized as a limited liability company and is based in Scottsdale, Arizona.
The company website describes Independence Home Loans LLC as a home loan company serving clients with purchase and refinance needs. Its website content addresses buyers, homeowners considering a refinance, first-time homebuyers, and experienced real estate investors.
Based on available website information, the company discusses VA loans and home equity loans among its detected loan offerings. The site also includes purchase and refinance paths, which are the two old roads of mortgage work: one into a home, one back through the terms of an existing loan.
Business Type
According to NMLS records, INDEPENDENCE HOME LOANS LLC is a Limited Liability Company formed in Arizona. The available evidence does not clearly establish whether the company operates as a direct lender or a mortgage broker.
The company website presents purchase and refinance options. Those are loan purposes rather than legal business classifications, so they should not be read as confirming lender or broker status.
Website Branding
The company is publicly associated with the website www.independencehl.com. The scraped page title is listed as “Home - Independence Home Loans LLC.”
The provided trade name is Independence Home Loans, while the NMLS legal name is INDEPENDENCE HOME LOANS LLC.
Headquarters
According to NMLS records, INDEPENDENCE HOME LOANS LLC lists its main address as 4343 N. Scottsdale Road, Suite 100, Scottsdale, Arizona 85251, United States.
The NMLS record identifies the company as formed in Arizona, United States. No address history was included in the provided evidence.
Years in Operation
According to NMLS records, INDEPENDENCE HOME LOANS LLC was formed on 08/03/2023. Using 2026 as the current year, that places the company at roughly three years in operation, depending on the month counted.
Loan Types
The company website includes purchase and refinance paths for borrowers. Its website text also refers to home buying, refinancing an existing mortgage, and mortgage needs for first-time homebuyers and experienced real estate investors.
Detected loan types from the available website evidence include VA loans and home equity loans. The website excerpt also notes that veterans and active U.S. military borrowers may be eligible for a $0 down VA loan when purchasing a home.
The website questionnaire references property types including single family homes, townhouses, condominiums, and multi-family homes, along with intended uses such as primary residence, vacation property, and investment property.
Licensing Footprint
Based on the company website licensing page provided in the evidence, Independence Home Loans lists licensing in 48 jurisdictions: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, and the District of Columbia.
NMLS Consumer Access data was blocked in the provided evidence, so this licensing list is based on the company website rather than a retrieved NMLS Consumer Access state list.
Scale
The provided evidence lists 6 branches for Independence Home Loans. Those branch locations are in Arizona, Florida, Hawaii, Michigan, Missouri, and Nevada.
No loan officer count, origination volume, or ranking information was provided in the available evidence.
Reputation
The provided BBB search evidence lists Independence Home Loans with a B rating and indicates that it is not BBB accredited. This BBB information is third-party data and is provided with medium confidence in the evidence.
No notable industry awards or recognition were identified for this lender at this time.
NMLS ID
According to NMLS records, the company NMLS ID for INDEPENDENCE HOME LOANS LLC is 2524174.
Consumers can use that NMLS ID to look up the company through the NMLS Consumer Access website and review current license information.
Disclaimer
This profile is for informational purposes only. INDEPENDENCE HOME LOANS LLC is listed with NMLS ID 2524174.
Licensing information is subject to change. Readers should verify current license status directly with the lender or through NMLS Consumer Access before making decisions based on licensing or availability.
NMLS #2524174 — Verify on NMLS Consumer Access — Profile last updated: July 10, 2026
Frequently Asked Questions
What is Independence Home Loans's NMLS number?
Independence Home Loans operates under NMLS #2524174. You can verify its license on the NMLS Consumer Access database at nmlsconsumeraccess.org.
How is Independence Home Loans rated by customers?
Independence Home Loans has an average rating of 4.3 out of 5 based on 28 reviews aggregated from Average Available Sources.
Where can I read reviews of Independence Home Loans?
Verified consumer ratings and reviews of Independence Home Loans are published on this FreeRateUpdate.com lender profile page.