My Mortagage

The Mortgage Licensing Group, Inc. is a full-service mortgage licensing firm headquartered in Southern California that is recognized throughout the industry as an experienced and reliable service provider. Established in 2006, our company has been on the forefront of the ever-changing rules and regulations, helping alleviate the often daunting task of meeting the diverse state licensing requirements for our clientele. With more than twenty years of combined experience, our professional staff possesses the knowledge needed to successfully meet your licensing needs.

As the regulatory landscape is being redefined with additional laws and processes, the path to licensing can be time-consuming and complex. Servicing all 50 states and beyond, we are here to help give your company a competitive advantage in the mortgage industry by allowing you to focus on what you do best, originate loans.

Please take the time to examine our website to see a preview of the many services we offer.


The Mortgage Licensing Group are committed to helping our clients understand the intricacies of Federal and Multi-State Licensing. We pride ourselves in comprehending the operational side of lending and gear our expertise to further your organization’s success.


Initial Consultation

When you contact The Mortgage Licensing Group, Inc., you can expect a courteous and thorough interview. All information exchanged with our personnel is strictly confidential. You will receive a full assessment and recommendation of the best course of action to take to achieve your company goals. Be advised that The Mortgage Licensing Group is NOT a law firm and does not generate or offer legal advice. Our experienced staff possesses a working knowledge of all state mortgage licensing requirements for both brokers and lenders as well as state mortgage compliance requirements. All of which is essential to facilitate initial licensing and the continued success for your company.


Each company has different needs. The processing of your work request is based upon what you wish to accomplish and the types of services you require. In every case, you will play a key role in optimizing the process for your specific needs. During your initial interview and subsequent contact with our company, you will receive requests to provide extensive information about your company and executive officers, to include financial data, personal information, and updates within your organization. This information is imperative to processing your licensing requests successfully and in a timely manner. Our goal is to develop a relationship that will allow for a regular exchange of information to expedite the successful processing of your requests.


Cynthia McClure

A graduate of the California State University system and paralegal with over thirty years of senior managerial experience, Ms. McClure began focusing her skills and expertise of the mortgage licensing industry in 1998 to successfully assist and guide prospective clients through the increasingly complex regulatory, legislative and statutory state licensing process. Through hard work and exceptional service, this frequently referred executive has managed to maintain and expand on a large clientele base generated by direct referrals from satisfied customers. A consummate professional, Ms. McClure has developed a passion for seeing clients through the approval process and prides herself on taking a “hands on” approach to case management. Having worked on all aspects of mortgage licensing, Cynthia McClure is extremely knowledgeable in her field and is meticulous in keeping current on any state changes or updates to the licensing process. When asked what her key was to running a successful company, she replied, “Integrity—matched by passionate teamwork to provide ready, reliable, and exact service to our customers. When you hire MLG, you don’t just get me, you get my entire team.”

Nicholas Graham

Originally from Texas, Nicholas Graham came to San Diego during the Great Recession. He has been with The Mortgage Licensing Group for 12 years. Having began as the staff accountant, he transitioned into licensing, eventually leading the branch and LO licensing team. Nick has also worked with company applications, has completed thousands of MCR’s with the maintenance team, and is an expert on state level mortgage reports as well as financial reporting for mortgage companies. With a strong focus in customer service and satisfaction, Nick transitioned into administration as a manager in the Business Development department in 2015. By 2019, Nick had become VP of Business Development managing sales, marketing, customer service, vendor relations, and forecasting. While in Business Development Nick led MLG into explosive growth and was instrumental in spreading MLG’s name throughout much of the industry. He possesses exceptional multi-tasking skills, and an uncanny ability to grasp business models as they relate to client needs and timelines regarding licensing, which, with his extensive experience in all facets of licensing, makes him a perfect contact for consultations. In 2022 Nick accepted the roll of SVP Operations and Business Development expanding his responsibilities to include company, branch, and MLO licensing as well as Quality Control and internal procedures affecting every team in the organization. Because of his amazing energy and his focus on customer and quality service we are excited to have him as a leader of our team.

Timothy Motonaga

Tim is MLG’s data guru! Tim joined MLG in early 2016 as a data specialist and has climbed to the VP of Licensing Compliance and Maintenance. Tim uses his previous experience as a professional tutor and educator to keep his team up to date with reporting requirements and changes. Tim earned his master’s in mathematics from the University of California at San Diego in 2008 and has since furthered his education by becoming a certified reproduceable data research analyst and a certified data cleansing analyst. Tim excels at ensuring accurate filing of the complex financial and loan data reporting required to keep compliant in this industry.

John Richter

John is a seasoned Executive with over 25 years of experience founding and operating companies in the financial services industry. As a licensed Mortgage Loan Originator in the State of Arizona he is also the Responsible Individual for numerous mortgage companies licensed in Arizona. John has been in the mortgage banking business since 1997 and has directly been responsible for the origination, underwriting and management of over $10 billion in residential mortgage loan originations during this time. From 1998 to 2005, John was the Executive Vice President/National Sales Manager of Hamilton Mortgage Company, a national mortgage bank with 25 offices and 250 employees. John was one of six founding Employees of the firm and was second in command.

In 2005, John founded Western Residential Mortgage in Phoenix, AZ and served as its President/CEO. John was responsible for the day-to-day operations of the company and in 24 months, Western grew to 150 employees in 5 offices throughout the United States, while funding over $750 million annually in mortgage loans. From 2012 until 2018, John served as CEO of Alliance Home Loans in Phoenix, AZ and helped grow the company from $60,000,000 a year in production to over $1,000,000,000 annually. Alliance had over 10 offices in 5 States while lending in over 30 different States in the Country. The company sold during the summer of 2018 to a large independent mortgage bank based in the Midwest.

Jim Sammann

After more than 30 years in the Mortgage and Real Estate industry, both residential and multi-family units, Jim Sammann has joined The Mortgage Licensing Group as an Arizona-specific Responsible Individual (RI), available to clients in our comprehensive Arizona RI Program. Jim’s experience in the mortgage industry and his physical location in Arizona make him the perfect Responsible Individual for clients around the country wishing to add Arizona to their list of states. Some of his major accomplishments include the management and training of 50+ individuals for Mortgage Bankers and Brokers, including a retail branch bringing in $20 million a month. He has proven customer service and sales time and time again, selling over 200 homes from 1980-1983, and hand-delivering compliance-related materials to the Arizona DFI to meet deadlines for his Arizona RI clients. In addition to his love of flying, Jim enjoys outdoor adventures including Deep Sea Fishing and traveling… We are happy to have Jim on board with us – he consistently proves his ability to go above and beyond the call of duty.