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HBRS / Licensed States

Licensed States

Anyone, in any state, can use HBRS for a free readiness score and VANCE coaching. Certified features that involve a credit pull, and any handoff to a licensed lender in our network, are available only in the states listed below, where our lender partners are licensed.

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Not in a licensed state?

You can still get your free readiness score, chat with VANCE, and build your improvement plan. We'll let you know if HBRS becomes licensed in your state.

HBRS does not originate loans. Lender licensing is verifiable through the NMLS Consumer Access portal at nmlsconsumeraccess.org for each lender partner.

Questions about licensing? Contact us.