Licensing and disclosures
Everything on this page is verifiable. If anything here does not match what you find on NMLS Consumer Access, trust NMLS and tell me.
Identification
| Individual originator | Nick DeMiro |
|---|---|
| Title | Licensed Mortgage Loan Originator |
| Personal NMLS ID | #1316642 |
| Licensed entity | Edge Home Finance, LLC |
| Company NMLS ID | #891464 |
| Branch NMLS ID | #2655697 |
| Company address | 5860 Baker Road, Minnetonka, MN 55345 |
| Verify | www.nmlsconsumeraccess.org |
Broker status — not a lender
Edge Home Finance, LLC is a licensed mortgage broker. It is not a direct lender, a bank, or a creditor. Edge Home Finance, LLC arranges residential mortgage loans that are underwritten and funded by wholesale lending partners.
Nick DeMiro is a Licensed Mortgage Loan Originator acting on behalf of Edge Home Finance, LLC. He is not himself a mortgage broker, lender, banker, or creditor; Edge Home Finance, LLC is the licensed entity.
New York exclusion
Edge Home Finance, LLC is licensed in all U.S. states and the District of Columbia, EXCEPT New York. Edge Home Finance, LLC does not arrange, solicit, or originate mortgage loans for real property located in the State of New York. Nothing on this website is an offer or solicitation to New York consumers or with respect to New York property.
Individual loan originator state licenses
Nick DeMiro, NMLS #1316642, holds individual mortgage loan originator licenses in the following 19 states. A loan originator must be licensed in the state where the property is located.
| State | License number | Regulator | Issued | Status |
|---|---|---|---|---|
| Alabama | 1316642 | Alabama State Banking Department | 29 May 2026 | Approved |
| Alaska | AKMLO-1316642 | Alaska Division of Banking and Securities | 1 August 2025 | Approved |
| Arizona | LO-1046889 | Arizona Department of Insurance and Financial Institutions | 17 May 2023 | Approved |
| California | CA-DFPI1316642 | Licensed by the Department of Financial Protection and Innovation | 23 October 2025 | Approved |
| Colorado | 100530482 | Colorado Division of Real Estate | 9 February 2022 | Approved |
| Florida | LO29645 | Florida Office of Financial Regulation | 5 May 2015 | Approved |
| Illinois | 031.0093283 | Illinois Department of Financial and Professional Regulation | 4 February 2026 | Approved |
| Indiana | 1316642 | Indiana Secretary of State, Securities Division | 24 June 2026 | Approved |
| Louisiana | 1316642 * | Louisiana Office of Financial Institutions | 30 March 2026 | Approved |
| Michigan | 1316642 | Michigan Department of Insurance and Financial Services | 14 February 2023 | Approved |
| Missouri | 1316642 | Missouri Division of Finance | 2 February 2026 | Approved |
| North Carolina | I-230240 | North Carolina Commissioner of Banks | 23 October 2025 | Approved |
| Ohio | MLO-OH.1316642 | Ohio Department of Commerce, Division of Financial Institutions | 12 November 2025 | Approved |
| South Carolina | 1316642 * | South Carolina Department of Consumer Affairs | 3 April 2025 | Approved |
| Tennessee | 1316642 | Tennessee Department of Financial Institutions | 9 July 2025 | Approved |
| Texas | 1316642 * | Texas Department of Savings and Mortgage Lending (SML) | 19 May 2015 | Approved |
| Utah | 14259047 | Utah Division of Real Estate | 12 November 2025 | Approved |
| Virginia | MLO-73250VA | Virginia Bureau of Financial Institutions | 17 January 2025 | Approved |
| Wisconsin | 1316642 | Wisconsin Department of Financial Institutions | 1 November 2024 | Approved |
California: Licensed by the Department of Financial Protection and Innovation. Every license listed above shows a status of Approved and is currently authorized. Licenses are reviewed and this page is updated at each annual renewal; if a license lapses it is removed from this table rather than left in place.
* For these four states the number shown is the originator’s NMLS ID as reported by him; the licensing dataset used for verification does not carry a separate state license number for them. Every other number, together with each issue date and status, was checked on 14 August 2026 against licensing data derived from NMLS for NMLS ID #1316642. That is a derived dataset, not the NMLS Consumer Access website itself — please confirm anything that matters to you directly at NMLS Consumer Access, which is the authoritative source.
On renewal dates. Mortgage loan originator licenses renew annually through NMLS. This table shows each license’s issue date and current status rather than a renewal date, because renewal status changes during the annual renewal window and a date printed here would go stale. NMLS Consumer Access always shows the current position for NMLS ID #1316642.
Government non-affiliation
Edge Home Finance, LLC is a private mortgage broker and is not affiliated with, endorsed by, or acting on behalf of or at the direction of the U.S. Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), the Department of Housing and Urban Development (HUD), the U.S. Department of Agriculture (USDA), or any other government agency.
No government agency seal or logo appears anywhere on this website, and nothing on it should be read as a government endorsement, sponsorship, or approval of Edge Home Finance, LLC or of any loan program described here.
Equal Housing Opportunity
Edge Home Finance, LLC does 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, sexual orientation, gender identity, receipt of public assistance, or the good faith exercise of any right under the Consumer Credit Protection Act.
Consent to be contacted is optional
The consent checkbox on every form on this site is unchecked by default and is not required. You can submit any form without checking it, and you will still get a response. Consent is not a condition of purchasing any property, goods, or services. If you do consent, you may withdraw it at any time by replying STOP to a text message, by asking during a call, or by emailing nick.demiro@edgehomefinance.com.
No rates, no offers
This website publishes no interest rates, annual percentage rates, payment amounts, down-payment amounts or percentages, loan terms, or finance charges. The calculators on this site produce estimates from figures that you enter and do not suggest, supply, or imply any rate or term.
Nothing on this website is a loan offer, quote, rate lock, pre-approval, or commitment to lend. All loans are subject to credit approval, underwriting, appraisal, and program guidelines, which are subject to change without notice. Program availability varies by state and by lender.
Texas residents — complaint and recovery fund notice
The following notice is required of residential mortgage loan originators by the Texas Department of Savings and Mortgage Lending and is reproduced here word for word (7 TAC § 80.200(b)).
CONSUMER WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
Other states among the 19 listed above may impose their own advertising or website notices. Any additional wording required by a state regulator is added here verbatim.
Questions or complaints
Contact Nick DeMiro at (248) 860-3957 or nick.demiro@edgehomefinance.com, or write to Edge Home Finance, LLC at 5860 Baker Road, Minnetonka, MN 55345. You may also look up either NMLS record and file a complaint through NMLS Consumer Access or with your state regulator listed in the table above.
Page last reviewed: August 14, 2026.