Licensing & Disclosures
Who we are, who licenses us, and the notices every borrower is entitled to see. Every license number on this page links to the NMLS Consumer Access registry so you can verify it yourself.
Last updated: October 2026
Company licensing
Licensed lender
Preferred Rate, a Division of American Pacific Mortgage Corporation
All loans are originated, underwritten, and funded by Preferred Rate, a Division of American Pacific Mortgage Corporation. www.apmortgage.com
Team & founder
Brown — A Legacy of Home Lending
Christopher Brown, Founder · NMLS #278941
Brown — A Legacy of Home Lending is a team of Preferred Rate, a Division of American Pacific Mortgage Corporation. 231 N Main St, Suite 20, Edwardsville, IL 62025 · [email protected]
Licensed mortgage loan originators
Only the individuals below are licensed to take loan applications or discuss loan terms on behalf of Brown — A Legacy of Home Lending.
| Name | Title | Office | NMLS ID |
|---|---|---|---|
| Christopher Brown | Founder | Edwardsville, IL | #278941 |
| Blake Brown | VP, Senior Mortgage Advisor | Oakbrook Terrace, IL | #1525629 |
| James Bochnovic | VP, Senior Loan Officer | Lake Geneva, WI | #1892655 |
| Brycen Brown | VP, Loan Officer | Edwardsville, IL | #2567359 |
| Alejandro Lopez | Mortgage Advisor | Oakbrook Terrace, IL | #2809688 |
Operations, processing, and loan assistant staff are not licensed mortgage loan originators. They support your file but do not take applications, quote rates, or negotiate loan terms.
State licenses
Licensed as Preferred Rate in Florida, Illinois, Indiana, Missouri, and Wisconsin. We cannot originate loans for properties in any other state.
| State | License | Regulator |
|---|---|---|
| Illinois | Residential Mortgage License # MB.6761304 | Illinois Department of Financial & Professional Regulation (IDFPR), 555 West Monroe Street, 5th Floor, Chicago, IL 60661 · (888) 473-4858 |
| Florida | Mortgage Lender License # MLD651 | Florida Office of Financial Regulation |
| Indiana | Mortgage Lending License # 41404 | Indiana Department of Financial Institutions |
| Missouri | Mortgage Company License # 20-2327 | Missouri Division of Finance |
| Wisconsin | Mortgage Banker License # 1850BA · Mortgage Broker License # 1850BR | Wisconsin Department of Financial Institutions |
Full, current license details for Preferred Rate, a Division of American Pacific Mortgage Corporation, are listed on NMLS Consumer Access (NMLS #1850).
Illinois notices
Illinois Community Reinvestment Notice
The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. (Source: P.A. 101-657, eff. 3-23-21.)
Equal Housing Opportunity & fair lending
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, age, marital status, or source of income.
Disclaimers
General
This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states and restrictions may apply. Please consult your loan advisor for complete details. Equal Housing Opportunity.
Refinancing
Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.
Mortgage calculators & tools
Calculators and estimates on this site are for illustration only. Results are not a loan offer, pre-approval, or rate quote, and actual payments will vary based on credit, property, loan program, taxes, insurance, and market conditions.
Home Mortgage Disclosure Act (HMDA) notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. For more information, visit the Consumer Financial Protection Bureau at consumerfinance.gov/hmda.
New York
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
Government non-affiliation
Brown — A Legacy of Home Lending and Preferred Rate, a Division of American Pacific Mortgage Corporation, are not affiliated with or acting on behalf of the U.S. Department of Housing and Urban Development, the Federal Housing Administration, the Department of Veterans Affairs, the U.S. Department of Agriculture, or any other government agency.
Questions & complaints
If you have a question about a license, a disclosure, or your loan, call us first. We'll get you a straight answer.
Brown — A Legacy of Home Lending
231 N Main St, Suite 20, Edwardsville, IL 62025
[email protected]
Licensed lender
Preferred Rate, a Division of American Pacific Mortgage Corporation
American Pacific Mortgage Corporation, Corporate Office
3000 Lava Ridge Court, Suite 200, Roseville, CA 95661
916-960-1325
Regulators
You may also contact the state regulator listed for your state above, or file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.
See also: Privacy Policy · Terms of Use · Accessibility Statement