More than 99 percent of Arizona's businesses are considered small, with more than 40 percent of Arizona employees working for small businesses, according to the U.S. Small Business Administration.
A study by Civic Economics found that when $100 is spent at a locally-owned business, that business puts $47 back into the local economy while the total is just $13 for non-local businesses.
Licenses set to expire during December
| License Holder | License Type | Lapse Date | Issued Date |
|---|---|---|---|
| Theodore Davis | Occupational Therapist | 12/02/2020 | 06/03/2020 |
| Lidia Lopez | Occupational Therapy Assistant | 12/08/2020 | 12/09/2016 |
| Sandra Elisa Hernandez | Athletic Trainer | 12/12/2020 | 12/13/2019 |
| Francisco Cruz | Barber | 12/22/2020 | 02/07/2018 |
| Christopher P. Taylor | Barber | 12/25/2020 | 08/03/2016 |
| 1st Rate Home Mortgage, Inc. | Mortgage Banker | 12/31/2020 | 03/09/2017 |
| 1st Residential Mortgage, LLC | Mortgage Broker | 12/31/2020 | 07/22/2011 |
| Aam, LLC | Collection Agency | 12/31/2020 | 08/26/2015 |
| Abbie Higgins | Dispensing Optician | 12/31/2020 | 03/02/2016 |
| Adam Deline Hahs | Behavior Analyst | 12/31/2020 | 06/17/2015 |
| Advantage Processing, LLC | Mortgage Broker | 12/31/2020 | 11/06/2017 |
| Afroza Ahmed | Psychologist | 12/31/2020 | 12/16/2015 |
| Allied Interstate, LLC, Tempe, AZ Branch | Collection Agency | 12/31/2020 | 09/29/2011 |
| American Pacific Mortgage Corporation, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 07/03/2019 |
| Amerifirst Financial, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 04/04/2013 |
| AmRes Corporation, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 09/07/2018 |
| Arizona Billing Specialists, Inc. | Collection Agency | 12/31/2020 | 08/10/1995 |
| Arizona College of Nursing - Tempe | Accredited Vocational and Degree | 12/31/2020 | 01/01/2018 |
| Arizona Mortgage Specialists, Inc. | Mortgage Banker | 12/31/2020 | 12/02/2009 |
| AZ Financial, LLC | Mortgage Broker | 12/31/2020 | 06/02/2016 |
| AZ Lending Experts, LLC | Mortgage Broker | 12/31/2020 | 12/08/2011 |
| Barrett Financial Group, L.L.C., Tempe, AZ Branch | Mortgage Broker | 12/31/2020 | 02/28/2020 |
| Bartending Academy | Non-Accredited Vocational | 12/31/2020 | 05/30/2001 |
| Bay Equity, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 03/21/2014 |
| Best Capital Funding, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 10/25/2017 |
| Best Capital Funding, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 03/29/2018 |
| Beth Gineris | Acupuncturist | 12/31/2020 | 12/05/2018 |
| Bills.com, LLC, Tempe, AZ Branch | Mortgage Broker | 12/31/2020 | 09/19/2011 |
| Brian M. McDonald | Psychologist | 12/31/2020 | 04/21/2014 |
| Broker Solutions, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 03/02/2017 |
| Brookline College Tempe Campus | Accredited Vocational and Degree | 12/31/2020 | 11/01/1979 |
| Capital Pacific Mortgage, Inc. | Mortgage Broker | 12/31/2020 | 10/01/1999 |
| Charmain Lashelle Walker | Dispensing Optician | 12/31/2020 | 11/05/2014 |
| Christina R. McShane | Psychologist | 12/31/2020 | 02/08/2018 |
| Clear Mortgage, LLC | Mortgage Broker | 12/31/2020 | 05/06/2009 |
| CMG Mortgage, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 12/10/2018 |
| CMG Mortgage, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 02/20/2019 |
| CMG Mortgage, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 06/04/2019 |
| CMG Mortgage, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 06/06/2019 |
| Coastal Lending Group, LLC, Tempe, AZ Branch | Mortgage Broker | 12/31/2020 | 03/28/2018 |
| Conduent State & Local Solutions, Inc. | Collection Agency | 12/31/2020 | 01/23/2019 |
| Consolidated Management Group, LLC | Collection Agency | 12/31/2020 | 11/21/2014 |
| Construction Collection Specialists, Inc. | Collection Agency | 12/31/2020 | 03/29/2016 |
| CPI Financial Group, Inc. | Commercial Mortgage Broker | 12/31/2020 | 06/13/2011 |
| DA FA Mortgage, LLC | Mortgage Broker | 12/31/2020 | 06/18/2008 |
| David Torres | Dispensing Optician | 12/31/2020 | 03/18/2013 |
| Define Mortgage Solutions, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 07/26/2018 |
| Denning S. Davis | Certified General Appraiser | 12/31/2020 | 12/17/2002 |
| Ditech Financial, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 05/22/2009 |
| Ditech Financial, LLC, Tempe, AZ Branch | Collection Agency | 12/31/2020 | 03/08/2017 |
| Donna L. Frye | Mortgage Broker | 12/31/2020 | 07/23/1997 |
| Dwayne J. Gross | Dispensing Optician | 12/31/2020 | 03/18/2003 |
| Eagle Home Mortgage, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 03/22/2018 |
| EMS University, LLC | Non-Accredited Vocational | 12/31/2020 | 11/05/2018 |
| Envoy Mortgage, Ltd., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 07/24/2018 |
| Equity Mortgage, LLC | Mortgage Broker | 12/31/2020 | 04/18/2007 |
| Everett Financial, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 07/11/2017 |
| EVO Home Loans, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 08/24/2020 |
| Fairway Independent Mortgage Corporation, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 05/21/2009 |
| Fairway Independent Mortgage Corporation, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 05/31/2012 |
| Fairway Independent Mortgage Corporation, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 10/03/2018 |
| FARM /Financial And Risk Management, Inc. | Commercial Mortgage Broker | 12/31/2020 | 12/29/2011 |
| Fay Servicing, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 06/06/2017 |
| First USA Funding, LLC | Mortgage Broker | 12/31/2020 | 07/10/2006 |
| Flagship Credit Acceptance, LLC, Tempe, AZ Branch | Collection Agency | 12/31/2020 | 07/07/2016 |
| Freedom Financial Asset Management, LLC | Collection Agency | 12/31/2020 | 08/30/2018 |
| Freedom Financial Asset Management, LLC | Collection Agency | 12/31/2020 | 10/22/2018 |
| Freedom Mortgage Corporation, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 06/19/2009 |
| Fresh Start Funding, LLC | Collection Agency | 12/31/2020 | 05/07/2020 |
| Geneva Financial, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 02/06/2009 |
| Gina M. Vitagliano | Dispensing Optician | 12/31/2020 | 10/27/1989 |
| Guild Mortgage Company, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 11/16/2012 |
| Guild Mortgage Company, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 09/29/2014 |
| Guild Mortgage Company, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 01/15/2020 |
| Homestead Funding Corporation, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 12/16/2019 |
| Homi J. Kaikobad L.AC. | Acupuncturist | 12/31/2020 | 12/20/2001 |
| Hunter Warfield, Inc., Tempe, AZ Branch | Collection Agency | 12/31/2020 | 03/21/2016 |
| Jacob Anthony Candelaria | Loan Originator | 12/31/2020 | 12/18/2017 |
| James L. Bludworth | Psychologist | 12/31/2020 | 10/08/2008 |
| Jeffery S. Dauscha | Dispensing Optician | 12/31/2020 | 03/07/2018 |
| Jeffrey Nathanson | Dispensing Optician | 12/31/2020 | 06/19/1980 |
| John William Reich | Psychologist | 12/31/2020 | 03/18/1977 |
| Joseph Austin Strunk | Loan Originator | 12/31/2020 | 04/09/2020 |
| Joseph James Kevlin | Loan Originator | 12/31/2020 | 04/29/2016 |
| K Management Services, Inc. | Collection Agency | 12/31/2020 | 03/11/2015 |
| Kyesub Lee L.AC. | Acupuncturist | 12/31/2020 | 12/20/2000 |
| Leeronia Brown | Dispensing Optician | 12/31/2020 | 09/15/2003 |
| Legacy Mortgage and Investment Corporation | Mortgage Broker | 12/31/2020 | 11/07/2007 |
| Lendage, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 05/03/2019 |
| LHM FINANCIAL CORPORATION, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 04/03/2009 |
| LHM FINANCIAL CORPORATION, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 05/17/2010 |
| Loan Simple, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 05/04/2018 |
| loanDepot.com, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 05/08/2017 |
| Lorraine L. Gillespie | Mortgage Broker | 12/31/2020 | 02/17/1998 |
| Mark D. Rawlings | Dispensing Optician | 12/31/2020 | 09/03/2014 |
| Mary Christine Oakley | Psychologist | 12/31/2020 | 08/15/2012 |
| Mary E. Fiedorczyk | Dispensing Optician | 12/31/2020 | 09/03/2014 |
| Michael J. Oppat | Dispensing Optician | 12/31/2020 | 11/15/2007 |
| Moria Development, Inc. | Mortgage Banker | 12/31/2020 | 05/09/2001 |
| Mortgage Miracles Happen, LLC, Tempe, AZ Branch | Mortgage Broker | 12/31/2020 | 11/09/2016 |
| Movement Mortgage, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 02/23/2016 |
| Movement Mortgage, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 03/22/2018 |
| Nationwide Credit, Inc., Tempe, AZ Branch | Collection Agency | 12/31/2020 | 10/13/2017 |
| NewRez, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 08/07/2019 |
| NewRez, LLC, Tempe, AZ Branch | Collection Agency | 12/31/2020 | 10/02/2019 |
| NEXA Mortgage, LLC, Tempe, AZ Branch | Mortgage Broker | 12/31/2020 | 01/03/2020 |
| NFM, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 05/18/2016 |
| Ogrady Mortgage, Inc. | Mortgage Broker | 12/31/2020 | 11/09/2012 |
| On Q Financial, Inc. | Mortgage Banker | 12/31/2020 | 01/06/2005 |
| On Q Financial, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 02/11/2013 |
| Panorama Mortgage Group, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 06/17/2019 |
| Paul E. Sargent | Mortgage Broker | 12/31/2020 | 05/18/1993 |
| Pinnacle Processing, Inc. | Mortgage Broker | 12/31/2020 | 11/28/2005 |
| Renaissance Lending Group, LLC | Mortgage Broker | 12/31/2020 | 08/15/2007 |
| Richard J. Fredrick | Dispensing Optician | 12/31/2020 | 09/14/1994 |
| Richard Mora | Dispensing Optician | 12/31/2020 | 03/20/2009 |
| Right Start Mortgage, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 11/29/2016 |
| Robert S. Busch | Dispensing Optician | 12/31/2020 | 11/21/1976 |
| Sessions College for Professional Design | Accredited Vocational and Degree | 12/31/2020 | 10/22/2009 |
| Shelley Rae Jewell | Dispensing Optician | 12/31/2020 | 11/07/2016 |
| Specialized Loan Servicing, LLC, Tempe, AZ Branch | Collection Agency | 12/31/2020 | 07/05/2019 |
| Specialized Loan Servicing, LLC, Tempe, AZ Branch | Collection Agency | 12/31/2020 | 08/17/2020 |
| Sterling Financial Mortgage & Investment, Inc. | Commercial Mortgage Broker | 12/31/2020 | 01/22/2014 |
| Strong Home Mortgage, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 12/28/2018 |
| Summit Funding, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 01/13/2015 |
| themortgageadvantage.com, PLLC | Mortgage Broker | 12/31/2020 | 12/10/2012 |
| Travis Bertrand Bell Jr. | Behavior Analyst | 12/31/2020 | 01/06/2020 |
| Tri-City Accounts Management, Inc. | Collection Agency | 12/31/2020 | 08/24/2017 |
| Trisha Jeanine Noe-Camping | Dispensing Optician | 12/31/2020 | 08/05/2020 |
| Union Home Mortgage Corporation, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 01/02/2019 |
| V. I. P. Mortgage, Inc., Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 08/18/2017 |
| Veritas Funding, LLC, Tempe, AZ Branch | Mortgage Banker | 12/31/2020 | 04/24/2020 |
| Virtuoso Sourcing Group, LLC., Tempe, AZ Branch | Collection Agency | 12/31/2020 | 04/10/2015 |
| Wells Fargo Clearing Services, LLC, Tempe, AZ Branch | Mortgage Broker | 12/31/2020 | 05/22/2009 |
| Zachary Evan Sanders | Loan Originator | 12/31/2020 | 06/08/2018 |