|  | States | License | Estimated Approval Time |  |  | 
	| 1st MORTGAGE LICENSES |  |  |  |  |  | 
	| 1 | AL | Mtg Lender | 45-60 DAYS |  |  | 
	| 2 | AK | Mtg Lender | 45-60 DAYS |  |  | 
	| 3 | AR | Mtg Lender | 45-60 DAYS |  |  | 
	| 4 | AZ | Mtg Lender | 60-90 DAYS |  |  | 
	| 5 | CA | Mtg Lender | 75-90 DAYS |  |  | 
	| 6 | CO | Mtg Lender | 45-60 DAYS |  |  | 
	| 7 | CT | 1st Mtg Lender | 45-60 DAYS |  |  | 
	| 8 | DC | Mtg Lender | 45-60 DAYS |  |  | 
	| 9 | DE | Mtg Lender | 60-90 DAYS |  |  | 
	| 10 | FL | Correspondent Lender | 45-60 DAYS |  |  | 
	| 11 | GA | Mtg Lender | 60-90 DAYS |  |  | 
	| 12 | HI | Mtg Lender | 60-90 DAYS |  |  | 
	| 13 | IA | Mtg Lender | 30-45 DAYS |  |  | 
	| 14 | ID | Mtg Lender | 30-45 DAYS |  |  | 
	| 15 | IL | Mtg Lender | 60-90 DAYS |  |  | 
	| 16 | IN | Mtg Lender | 30-45 DAYS |  |  | 
	| 17 | KS | Mtg Lender | 30-45 DAYS |  |  | 
	| 18 | KY | Mtg Lender | 45-60 DAYS |  |  | 
	| 19 | LA | Mtg Lender | 45-60 DAYS |  |  | 
	| 20 | MA | Mtg Lender | 60-90 DAYS |  |  | 
	| 21 | MD | Mtg Lender | 60-75 DAYS |  |  | 
	| 22 | ME | Mtg Lender | 30-45 DAYS |  |  | 
	| 23 | MI | 1st Mtg. Lender | 75-90 DAYS |  |  | 
	| 24 | MN | Mtg Lender | 30-45 DAYS |  |  | 
	| 25 | MO | Mtg Lender | 60-75 DAYS |  |  | 
	| 26 | MS | Mtg Lender | 60-75 DAYS |  |  | 
	| 27 | MT | Mtg Lender | 45-60 DAYS |  |  | 
	| 28 | NC | Mtg Lender | 75-90 DAYS |  |  | 
	| 29 | ND | Mtg Lender | 30-45 DAYS |  |  | 
	| 30 | NE | Mtg Lender | 30-45 DAYS |  |  | 
	| 31 | NH | Mtg Lender | 75-90 DAYS |  |  | 
	| 32 | NJ | 1ST Mtg Lender | 90-105 DAYS |  |  | 
	| 33 | NM | Mtg Lender | 30-45 DAYS |  |  | 
	| 34 | NV | Mtg Lender | 120-180 DAYS |  |  | 
	| 35 | NY | Mtg Lender | 120-180 DAYS |  |  | 
	| 36 | OH | Mtg Lender | 90-105 DAYS |  |  | 
	| 37 | OK | Mtg Lender | 60-75 DAYS |  |  | 
	| 38 | OR | Mtg Lender | 30-45 DAYS |  |  | 
	| 39 | PA | 1ST Mtg Lender | 60-75 DAYS |  |  | 
	| 40 | RI | Mtg Lender | 60-75 DAYS |  |  | 
	| 41 | SC | Mtg Lender | 60-75 DAYS |  |  | 
	| 42 | SD | Mtg Lender | 30-45 DAYS |  |  | 
	| 43 | TN | Mtg Lender | 30-45 DAYS |  |  | 
	| 44 | TX | Mtg Lender | 60-75 DAYS |  |  | 
	| 45 | UT | Mtg Lender | 60-75 DAYS |  |  | 
	| 46 | VA | Mtg Lender | 45-60 DAYS |  |  | 
	| 47 | VT | Mtg Lender | 60-75 DAYS |  |  | 
	| 48 | WA | Mtg Lender | 90-105 DAYS |  |  | 
	| 49 | WI | Mtg Lender | 30-45 DAYS |  |  | 
	| 50 | WV | Mtg Lender | 60-75 DAYS |  |  | 
	| 51 | WY | Mtg Lender | 45-60 DAYS |  |  | 
	| Disclaimer: |  |  |  |  |  | 
	| These estimates are our best estimate based upon following assumptions: |  |  |  |  |  | 
	|  | [1]  Period starts from date Application is submitted to State |  |  |  |  | 
	|  | [2]  Application  will not be submitted until the Application is complete in all aspects |  |  |  |  | 
	|  | [3]  No unusual occurrances at the state like loss of examiners, sudden flood of applications, new applications with more complex requirements |  |  |  |  | 
	|  | [4]  Client is able to provide to Thomas Law within a short time all the additional items requested by the State |  |  |  |  | 
	|  | [5] No major changes by the client such as name change, address change, principals change, economic difficulties |  |  |  |  |