In accordance with the Equal Credit Opportunity Act, STEM Lending, Inc. does not discriminate against any applicant on the basis of race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; age (provided that the applicant has the capacity to enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.

Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.


STEM Lending, Inc. supports Equal Housing Opportunity. NMLS ID# 1648699 (www.nmlsconsumeraccess.org).

STEM Lending, Inc. is licensed by:

ColoradoColorado Regulated by the Division of Real Estate per individual Mortgage Loan Officer. License No. 100509741 for Shantanu Sharma, 100516175 for Jatin Kumar Bhatia. To check the status of your mortgage loan originator’s license, visit Colorado Division of Real Estate’s website at https://www.colorado.gov/dora/division-real-estate.
New JerseyNew Jersey Mortgage Broker License licensed by the New Jersey Department of Banking and Insurance.
PennsylvaniaPennsylvania Mortgage Broker License No. 63347.
VirginiaVirginia Broker License No. MC-6817.