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 Q4
| License Holder | License Type | Lapse Date | Issued Date |
|---|---|---|---|
| Candria E. Krywko | Optometrist | 10/05/2020 | 02/20/2013 |
| Sun Point Appraisals, Inc. | Appraisal Management Company | 10/07/2020 | 10/07/2011 |
| James A. Conte | Registered Trainee Appraiser | 10/26/2020 | 10/26/2017 |
| Allen E. Sherman Dpm L.AC. | Acupuncturist | 10/31/2020 | 10/27/2004 |
| Catherine N. Zeibig | Certified General Appraiser | 10/31/2020 | 10/28/2008 |
| Sonya K. Bettendorf | Psychologist | 10/31/2020 | 09/13/2013 |
| Joseph C. Rosauer | Athletic Trainer | 11/02/2020 | 11/03/2014 |
| Taylor M. McMullen | Optometrist | 11/19/2020 | 07/11/2007 |
| David R. Engstrom | Psychologist | 11/30/2020 | 03/25/1993 |
| Stephen H. Braun | Psychologist | 11/30/2020 | 01/07/1972 |
| Wayne H. Harding | Certified General Appraiser | 11/30/2020 | 11/12/1991 |
| David A. York | Registered Trainee Appraiser | 12/01/2020 | 12/01/2017 |
| Tonya Lee Soules | Occupational Therapist | 12/20/2020 | 05/13/1992 |
| Jacob Lee Waldron | Athletic Trainer | 12/29/2020 | 12/30/2019 |
| Americas MortgageBanc Corporation | Mortgage Broker | 12/31/2020 | 06/05/1984 |
| Ameriflo Funding, LLC | Mortgage Broker | 12/31/2020 | 06/11/2019 |
| Ark-La-Tex Financial Services, LLC, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 01/30/2020 |
| Asterino & Associates, Inc. | Collection Agency | 12/31/2020 | 02/05/2007 |
| C2 Financial Corporation, Scottsdale, AZ Branch | Mortgage Broker | 12/31/2020 | 12/14/2011 |
| Ceasar A. Perez | Mortgage Broker | 12/31/2020 | 02/25/1988 |
| Churchill Commercial Capital, Inc. | Commercial Mortgage Banker | 12/31/2020 | 10/27/2005 |
| ClosingMark Home Loans, Inc., Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 09/24/2018 |
| CMG Mortgage, Inc., Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 03/22/2019 |
| Commercial Plus Financial Services, LLC | Commercial Mortgage Broker | 12/31/2020 | 09/03/2014 |
| Compass Mortgage, Inc., SCOTTSDALE, AZ Branch | Mortgage Banker | 12/31/2020 | 06/21/2017 |
| CSI Mortgage Corporation | Mortgage Broker | 12/31/2020 | 11/03/2009 |
| Define Mortgage Solutions, LLC, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 07/30/2018 |
| Diversified Funding Group, LLC | Commercial Mortgage Banker | 12/31/2020 | 12/20/2017 |
| Diversified Funding Group, LLC | Commercial Mortgage Banker | 12/31/2020 | 04/30/2020 |
| Elizabeth A. Thompson | Dispensing Optician | 12/31/2020 | 03/07/2018 |
| Elizabeth Tukan Mdl. Ac. V | Acupuncturist | 12/31/2020 | 12/20/2000 |
| Everest Financial Services, LLC | Mortgage Banker | 12/31/2020 | 01/23/2019 |
| EVO Home Loans, LLC, scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 08/24/2020 |
| Express Capital Mortgage, Inc. | Mortgage Broker | 12/31/2020 | 10/05/2007 |
| F. T. Financial, Inc. | Mortgage Broker | 12/31/2020 | 02/10/2011 |
| Fairway Independent Mortgage Corporation, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 10/16/2013 |
| Fairway Independent Mortgage Corporation, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 04/06/2017 |
| Financial Concepts, Inc., Scottsdale, AZ Branch | Mortgage Broker | 12/31/2020 | 10/06/2011 |
| First Charter Financial Corporation | Commercial Mortgage Broker | 12/31/2020 | 02/26/2013 |
| Galaxy Lending Group, LLC | Mortgage Broker | 12/31/2020 | 10/30/2019 |
| Go Green Home Loans, L.L.C. | Mortgage Broker | 12/31/2020 | 02/08/2019 |
| Guaranteed Rate Affinity, LLC, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 05/08/2017 |
| Guild Mortgage Company, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 09/29/2014 |
| Guild Mortgage Company, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 06/08/2015 |
| HCP Mortgage, LLC, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 06/14/2019 |
| Heritage Financial, Inc. | Mortgage Broker | 12/31/2020 | 08/17/1995 |
| Holmberg Capital, LLC | Mortgage Broker | 12/31/2020 | 08/05/2019 |
| iLending Mortgage, LLC | Mortgage Broker | 12/31/2020 | 04/04/2017 |
| INCA Capital, LLC | Commercial Mortgage Broker | 12/31/2020 | 01/29/2016 |
| Inspire Home Loans, Inc., Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 10/10/2018 |
| Integrity Capital, LLC | Commercial Mortgage Broker | 12/31/2020 | 01/11/2012 |
| InTrust Mortgage, LLC, Scottsdale, AZ Branch | Mortgage Broker | 12/31/2020 | 04/14/2020 |
| Jana Maria Rollinson | Dispensing Optician | 12/31/2020 | 09/19/2002 |
| Jeffrey Robert Jacobs | Mortgage Broker | 12/31/2020 | 03/16/2011 |
| Ladera Lending, Inc., Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 09/27/2017 |
| LRC Companies, LLC | Commercial Mortgage Broker | 12/31/2020 | 02/09/2017 |
| Mattamy Home Funding, LLC, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 07/02/2013 |
| Meda C. Stoica | Dispensing Optician | 12/31/2020 | 06/25/2012 |
| Mutual of Omaha Mortgage, Inc., Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 12/10/2018 |
| Nolan Mortgage Services, Inc. | Mortgage Broker | 12/31/2020 | 01/19/2001 |
| Pharus Funding, LLC | Collection Agency | 12/31/2020 | 05/18/2018 |
| Pinnacle Peak Lending, Inc. | Mortgage Broker | 12/31/2020 | 05/15/2008 |
| Quantum Financial, Inc. | Commercial Mortgage Broker | 12/31/2020 | 02/03/2012 |
| Reverse Mortgage Funding, LLC, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 12/12/2017 |
| Reverse Mortgage Funding, LLC, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 10/31/2019 |
| Sabina Krasnov | Dispensing Optician | 12/31/2020 | 01/08/2020 |
| Semper Home Loans, Inc., Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 10/24/2019 |
| Shea Mortgage, Inc., Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 07/14/2009 |
| Shea Mortgage, Inc., Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 10/27/2010 |
| Summit Funding, Inc., Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 12/11/2014 |
| Susank Capital, Inc. | Commercial Mortgage Broker | 12/31/2020 | 10/13/2011 |
| TBI Mortgage Company, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 05/28/2009 |
| Top Flite Financial, Inc., Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 06/09/2009 |
| Union Home Mortgage Corporation, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 01/22/2019 |
| V. I. P. Mortgage, Inc. | Mortgage Banker | 12/31/2020 | 03/15/2007 |
| Vestmont Capital, Inc. | Commercial Mortgage Broker | 12/31/2020 | 09/12/2013 |
| Waterstone Mortgage Corporation, Scottsdale, AZ Branch | Mortgage Banker | 12/31/2020 | 01/25/2013 |
| Wells Fargo Clearing Services, LLC, SCOTTSDALE, AZ Branch | Mortgage Broker | 12/31/2020 | 05/22/2009 |
| Wells Fargo Clearing Services, LLC, SCOTTSDALE, AZ Branch | Mortgage Broker | 12/31/2020 | 08/18/2020 |
| William J. Donahue Dcl. Ac. | Acupuncturist | 12/31/2020 | 12/20/2000 |
| WozU Education Holdings, LLC. | Non-Accredited Vocational | 12/31/2020 | 10/27/2016 |