Where Athena is available.

Athena is a licensed mortgage lender, not a traditional bank. We offer conventional refinances in the states listed below, with a fully digital application. This page reflects our current licensing and updates when it changes.

Available now.

Athena originates conventional refinances in these states:

Licensed, not currently available.

Athena holds a mortgage lending license in these states but isn't originating loans there today. Enter your email on the state's page to be notified if that changes.

Everywhere else.

Athena isn't licensed in other states today, so we can't accept an application for a home located there.

If Athena isn't licensed in your state today, leave your email and we'll let you know if that changes.

Availability notifications

Not an application, a credit check, or an offer to lend. We'll use your email only to tell you if Athena becomes available in your state.

We'll email you only if Athena can accept applications for homes in your state.

How to verify our licensing.

Athena AI Holdings Inc. is licensed as a mortgage lender under NMLS #2771910. You can confirm our license in any state through NMLS Consumer Access, the public registry maintained by state regulators. State-specific license numbers appear on each state page and on our licensing page.

Frequently asked questions.

  • Is Athena available in my state?

    Athena currently originates conventional refinances in Arizona, Colorado, Florida, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, Tennessee, and Texas. It's licensed in Alabama, Idaho, Kansas, Oklahoma, and Washington but isn't originating loans there today.

  • What if my state isn't listed?

    Athena isn't licensed in that state today, so we can't accept an application for a home located there. You can leave your email to be notified if that changes.

  • How do I find out if Athena becomes available in my state?

    Enter your email on this page, or on your state's page if Athena is licensed there but isn't originating loans there today, to be notified if availability changes.

  • How can I verify Athena's licenses?

    Athena AI Holdings Inc. is NMLS #2771910. You can look us up on NMLS Consumer Access, the public registry maintained by state regulators.

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