Mortgage Licenses in 50 States

 FEES-BONDS-NET WORTH REQUIREMENTS
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ST

STATE AGENCY

MORTGAGE

BROKERS


MORTGAGE

LENDERS

AL
 
Must pay $100 fee for first year.

Initial investigation fee of $100. Annual license fee of $500 for each office, branch or place of business of licensee, which shall be due on
October 1 of each year. Annual license fee is delinquent on November 1 of each year and there shall be a 10 percent penalty for each
month that the licensee is delinquent.
assets available for operation of business of at least $25,000.
AK   N/A  available funds $25,000

AR
  Initial registration costs $250; net worth $25,000; BOND $25,000 Initial registration costs $250; net worth $25,000; BOND $25,000

AZ


ARIZONA STATE BANKING DEPT.
2910 N. 44TH STREET, SUITE 310
PHOENIX, AZ 85082
602/255-4421
fax 602-381-1225

Electronic mail
General Information: mailbox@azbanking.com
Consumer Affairs: : consumeraffairs@azbanking.com
Webmaster: webmaster@azbanking.com

$800 application for original license. Not more than $65 per hour for each examiner plus travel and subsistence expense for out-of-state examinations.
- A broker must maintain a bond in the amount of: $10,000 for brokers whose investors are limited solely to institutional investors. $15,000 for brokers whose investors include any noninstitutional investors.
MORTGAGE BANKER
Maintain a net worth of not less than $100,000
$1500 application fee for original license.
a bond in an amount computed as follows:
- If the licensee’s asset base is not greater than $1,000,000, $25,000 for the first $500,000 plus $5,000 for each
$100,000 or fraction thereof over $500,000. - If the licensee’s asset base is greater than $1,000,000, but not
greater than $10,000,000, $50,000 plus $5,000 for each $1,800,000 or fraction thereof over $1,000,000. - If the
licensee’s asset base is greater than $10,000,000, but not greater than $100,000,000, $75,000 plus $5,000 for
each $18,000,000 or fraction thereof over $10,000,000. - If the licensee’s asset base is greater than $100,000,000, $100,000. - If the licensee’s investors are limited solely to institutional investors, $25,000 bond.

CA
Don Rasmussen
CONSUMER FINANCE LENDERS LAW
DEPT. OF CORPORATIONS
3700 WILSHIRE BLVD.
LOS ANGELES, CA 90010-3001
213/736-3490
Finance Lender that Brokers Appl. fee $200 and investigation fee of $100; net worth of at least $25,000 and to obtain and maintain a $25,000 surety bond Finance Lender: net worth of at least $25,000 and to obtain and maintain a $25,000 surety bond; Mortgage Banker: $250,000

CO
JACK KINKEL, DEPUTY ADMINISTRATOR
DEPT OF LAW
COLORADO UCC CODE
1525 SHERMAN ST., 5TH FLOOR
DENVER, CO 80203
303/866-4494
N/A  

CT

MARLEEN MADDOX, EXAMINER
DEPT. OF BANKING
CONSUMER CREDIT DIVISION
260 Constitution Plaza
HARTFORD, CT 06103-1800
860-240-8200
fax 860-240-8178
E_mail larisa.hull@po.state.ct..us
Non-refundable license fee of $200 to acquire license for strictly mortgage brokering.
$40,000 surety bond
Non-refundable license fee of $400 to acquire license to be either a lender or lender/broker.

DC

Banking and Financial Institutions
WASHINGTON, DC
202/727-7989
available funds $10,000;
- A nonrefundable investigation fee of $100
- A nonrefundable application fee of $500, and
- A license fee of $500.
 available funds $200,000;
- A nonrefundable investigation fee of $100
- A nonrefundable application fee of $500, and- A license fee of $500.

DE
SHEILA WILLIAMS
OFFICE OF STATE BANKING COMMISSIONER
555 E. LOOCKERMAN STREET, 3210
DOVER, DE 19901
302/739-4235
non-refundable investigation fee of $250 at time of application; an annual license fee of $250 upon approval of license and annually thereafter; surety bond of $25,000.
   

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ST

CONTACT PERSON

mortgage broker license
 

FL
BILL DAVIS
DEPT. OF BANKING AND FINANCE, div. of finance
STATE CAPITOL BUILDING
TALLAHASSEE, FL 32399-0350
904/413-7768//Tallahassee Office
2002 Old St. Augustine Rd.
Bldg. B - Room 18
Tallahassee, FL 32301
(904) 487-2904//Northeast Florida Region
1300 Riverplace Blvd., Suite 640
Jacksonville, FL 32202-3477
(904) 390-4660//Northwest Florida Region
4900 Bayou Blvd., Suite 103
Pensacola, FL 32503
(904) 494-7380//Central Florida Region
400 S. Robinson St.
Hurston, S. Tower, S225
Orlando, FL 32881-1799
(407) 245-0760//West Central Florida Region
1313 Tampa St., Room 615
Tampa, FL 33602-3394
(813) 272-2565//Southeast Florida Region
111 S. Sapodilla Ave., Suite 211
West Palm Beach, FL 33401-1885
(407) 837-5054//South Florida Region
401 N.W Second Ave., Suite N708
Miami, FL 33128-1796
(305) 377-5213//201 W Broward Blvd., Suite 302
Fort Lauderdale, FL 33301-1885
(305) 467-4239


INDIVIDUAL MORTGAGE BROKER Must pay a nonrefundable application fee of $200; Fingerprint processing fee of $15.

MORTGAGE BROKER BUSINESS Nonrefundable application may not exceed $350 for the principal place of business.

CORRESPONDENT MORTGAGE LENDER Nonrefundable application fee of $400. surety bond of $10,000.Nonrefundable application fee of $250 for each branch office.

MORTGAGE LENDER
audited financial statements documenting net worth of at least $250,000.
Nonrefundable application fee of $500 for the principal place of business.
Must maintain surety bond of $10,000.CORRESPONDENT MORTGAGE LENDER
audited financial statement documenting that the applicant has a bona fide and verifiable net worth of at least $25,000.
Nonrefundable application fee of $400. Must maintain a surety bond of $10,000.
INDIVIDUAL MORTGAGE BROKER
nonrefundable application fee of $200.

GA
CRAIG SMITH
DEPT. OF BANKING AND FINANCE
2990 Brandywine Road, Suite 200
Atlanta, GA 30341-5565
770-986-1633 fax 770-986-1654/55
PAUL FOSTER (COBB CO. BUS.LIC.
COBB COUNTY BUSINESS LIC.
1772 COUNTY FARM ROAD
MARIETTA, GA 30050
FOSTER: 404/528-8410
MORTGAGE BROKER
tangible net worth of $25,000 as demonstrated by an audited financial statement or obtain a corporate surety bond in the amount of $50,000; an investigation fee of $250 plus an initial licensee fee of $400.
MORTGAGE LENDER
verifiable tangible net worth of $250,000 If the applicant’s verifiable net worth is greater than $100,000 but less than $250,000, the applicant may still obtain a license provided that the applicant:
Certifies that it will transfer or assign all mortgage loans funded with its own funds, including but not limited to draws on a warehouse line of credit, to another mortgage lender prior to the due date of the first payment by the borrower but in no event later than 45 days after the date of funding.- Submits audited financial statements prepared by an independent CPA
establishing that the lender has a verifiable net worth of at least $100,000.Submits a corporate surety bond of $100,000. Mortgage lenders required to register must pay an annual registration fee of $800. Application for branch office must be accompanied by nonrefundable fee of $350. $30 processing fee due with each application for initial or renewal license or registration for each set of fingerprint cards. Nonrefundable investigation fee of $250 for applicants for licenses or registration.
 HI Hawaii Department of Commerce and Consumer Affairs  
license fee of $100 for a mortgage broker and $25 for a mortgage solicitor;
a $50,000 bond, - A mortgage broker who does not engage in mortgage servicing or collecting may apply for a lower bond requirement of $15,000.
 Financial Services Loan Company License $500,000

IA
ROD REED
IOWA DIVISION OF BANKING
200 EAST GRAND AVE, SUITE 300
DES MOINES, IA 50309
515/281-4014 FAX: 515/281-4862 281-7688
 

ID
TOM ABEL, SUPERVISOR
CONSUMER CREDIT
DEPT. OF FINANCE
STATE OF IDAHO
700 W. State Street, 2nd Floor
P.O. Box 83720
BOISE, ID 83720
208/332-8002
new worth $10,000;
Initial application fee of $200; surety bond of $10,000
net worth $10,000

IL


OFFICE OF BANKS AND REAL ESTATE, residential finance 312-793-1409 or 312-793-0291 (TDD).
Correspondence should be addressed to 310 South Michigan Avenue, Suite 2130, Chicago, IL 60604-4278.

Effective January 1, 1999 = Amendment allows an out of state licensee to forgo an Illinois physical presence if the licensee maintains a net worth of $100,000, submits a certified audit and obtains a fidelity bond.

APPLICATION FEE 1,000 AND LICENSE FEE 800

IN

DONNA KAYE
DEPT OF FINANCIAL INSTITUTIONS
1024 STATE OFFICE BUILDING
INDIANAPOLIS, IN 46204
317/232-3955

Initial registration fee of $250; bond of $25,000
Loan License $100,000 net worth and $50,000 available funds
   

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KS

CONSUMER CREDIT COMMISSIONER
JAYHAWK TOWER
700 SW JACKSON ST, STE 1001
TOPEKA, KS 66603-3758
785-296-3151

initial application for registration fee of $250; bond of $25,000

KY

GARY THURMAN
DEPT. OF FINANCIAL INSTITUTIONS
477 VERSAILLES ROAD
FRANKFORT KY 40601
502/573-3390

Separate checks, payable to the Kentucky State Treasurer, must be included for the following fees:
-$150 investigation fee for the principal office and $40 for each branch office.
-$300 license fee for the principal office and $200 for each branch office if applied for between July 1 and December 31 or $150 for the principal office and $100 for each branch if applied for on or between January 1 and June 30.

bond of $25,000

Mortgage Loan Company License: $500,000 net worth and $500,000 available funds

LA
JOHN BRO/JACK TESHAY
OFFICE OF FINANCIAL INSTITUTIONS
PO BOX 94095
BATON ROUGE, LA 70804-9095
504/925-4660; 504/922-0634

Initial license fee is $100;
$25,000 surety bond or maintain a $25,000 trust account.
Consumer Lender License $25,000 available funds
   

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MA
MA Division of Banks
Consumer Compliance Unit
100 Cambridge Street
Boston, MA 02202
617-727-3145 ext 378 or 366
MRS. NAIVA, COMMISSIONER OF BANKS 617/727-3145
(1) net worth of not less than $100,000; or (2) a combination of net worth of not less than $25,000 and a surety bond of up to $75,000 filed with the State Treasurer and Receiver General, which together must total at least $100,000 MORTGAGE LENDER
(1) net worth of not less than $100,000; or (2) a combination of net worth of not less than $25,000 and a surety bond of up to $75,000 filed with the State Treasurer and Receiver General, which together must total at least $100,000

MD
MISS MARTIN/RONALD TRACEY, EXAMINERS
DEPT. OF LICENSING/REGULATION
COMMISSIONER OF CONSUMER CREDIT
FINANCIAL REGULATIONS
501 ST. PAUL PLACE. 13TH FLOOR
BALTIMORE, MD 21202-2272
410./333-6330
Nonrefundable investigation fee of $100. Fee of $1,000 for year. Surety bond: $15,000  MORTGAGE LENDER
Nonrefundable investigation fee of $100. Fee of $1,000 for year. Surety bond requirements:$15,000

ME
RICHARD T. HOWARD
PRINCIPAL EXAMINERDEPT OF PROFESSIONAL AND FINANCIAL REGULATION
BUREAU OF CONSUMER CREDIT PROTECTION
STATE HOUSE STATION 35
AUGUSTA, MAINE 04333-0035
(207) 624-8527
FAX(207)582-5415


Initial application fee of $200;

bond of $10,000

MN
TERRY MYER
DEPT. OF COMMERCE
133 E. 7TH STREET
ST. PAUL, MN 55101
612/296-4026
Initial residential mortgage originator license - $800; no bond required unless broker services loans

MI
Financial Institutions Bureau 333 South Capitol Avenue, Suite A, Lansing, MI.
P.O. Box 30224
Lansing, MI 48909
Main Telephone (517) 373-3460; FAX (517) 335-0908
Initial application for a license or application for a license after the suspension or revocation of the license costs between $400 and
$1,000 for the investigation of the application and between $300 and $800 for the issuance of the license; net worth: $25,000; bond: $25,000

MO

Missouri Division of Finance
Harry S Truman State Office Building, Room 630, 301 WEST HIGH, P. O. Box 716 Jefferson City, Missouri 65102 =573-751-3242 e-mail to: finance@mail.state.mo.us
Steve Geary 573-751-3463

Chapter 443 RSMo assigns to the Division the responsibility of enforcing the laws which regulate residential mortgage brokers. Supervision includes licensing and examination powers.

net worth: $25,000;

bond: $25,000

MS
MRS. HELEN NAPIER
ADMINISTRATIVE SUPERVISING EXAMINER
STATE OF MISSISSIPPI
DEPT OF BANKING AND CONSUMER FINANCE
304 WALTER SILLERS STATE OFFICE BUILDING
550 HIGH STREET
JACKSON, MS 39202
(601)359-1031
FAX (601)359-3557
SOS 359-1333

Initial application fee of $300; bond: $25,000

MT

CHRIS OLSEN
DEPT OF COMMERCE
FINANCIAL DIVISION
STATE OF MONTANA
HELENA, MT 59601
(406)444-2091
n/a
 

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NC
NC Commissioner of Banks
702 Oberlin Road, Suite 400
P.O. Box 10709
RALEIGH, NC 27605-0709
919-733-3016 fax 919-733-6918


$500 initial application fee;

bond: $25,000

lender or broker whose only activity is table funding must include one
of the following: -A surety bond for $25,000. An irrevocable letter of credit for $25,000. -A pledge of securities for $25,000. Lenders must maintain one of the following: -Net worth of at least $250,000 and a surety bond for $25,000 obtained from a company authorized to do business in North Carolina.
-A surety bond for $100,000
-An irrevocable letter of credit for $100,000-A pledge of securities, as detailed below, having a par value of $100,000 If the lender is a corporation, at least one of the principal officers must have at least three years experience
in residential mortgage lending.$500 initial application fee.No change in fee where applicant seeks to be both a lender and a broker.

ND
Department of Banking and Financial Institutions $300, non-refundable fee for investigating the application, and the sum of $200 for the annual license fee, and provide a surety bond in the sum of $25,000.

NE
GLENN CALLOWAY
JEAN SIMPSON
NEBRASKA DEPT OF BANKING AND FINANCE
POST OFFICE BOX 95006
LINCOLN, NE 68509-5006
(402)471-2171
$55 filing fee with the initial disclosure statement  

NH
RAY HARON
BANKING DEPARTMENT
603/271-3561
-No statutory net worth minimum-Must provide a minimum surety bond of $20,000.
$250 yearly license fee
 

NJ
Department of Banking and Insurance
Division of Banking
Office of Consumer Finance
20 West State Street
P.O. Box 040
Trenton, NJ 08625-0325
609-292-5360
fax 609-292-5461

net worth of $50,000.
Initial nonrefundable application fee of $300.
Initial branch office nonrefundable application fee of $200.

NM
William Vernant, DIRECTOR
REGULATION & LICENSING DEPT.
FINANCIAL INSTITUTIONS DIVISION
725 ST. MICHAEL'S DRIVE
SANTA FE, NM 87504
P.O.Box 25101
Santa Fe, NM 87504
505-827-7100
505-827-7110
505/827-7102


Initial registration fee of $400

bond: $25,000

NV
JACK DEBUSK
FINANCIAL INSTITUTIONS DIVISION
DEPT. OF BUSINESS & INDUSTRY
2501 E. SAHARA, SUITE 300
LAS VEGAS, NV 89104
702/486-4120 fax 702-486-4563
For original application, $1,500 for the principal office and $40 for each branch office. expenses incurred in the process of investigation the Commissioner will charge and collect a fee of $40 per hour MORTGAGE LENDER
For original application, $1,500 for the principal office and $40 for each branch office.
expenses incurred in the process of investigation the Commissioner will charge and collect a fee of $40 per hour

NY
State of New York Banking Dept.
Legal Financial Services Division
2 Rector Street-21st Floor
New York, NY 10006
Attn: Deputy Super. Peter Philbin
General no. 212/618-6642
Fax 212-618-6426

Investigation fee of $500.
surety bond of $25,000 or deposit assets worth $25,000
MORTGAGE LENDER
-Adjusted net worth of $250,000, and
-Existing line of credit of $1,000,000 from an unaffiliated banking institution, insurance company or similar credit facility approved by the Superintendent.
A corporate surety bond or pledged deposit in the amount of $50,000, valued at the lower of principal amount or market.Annual license fee of $1,000.
   

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OH
RICH KECK
Dept of Commerce
DIVISION OF Financial Institutions
77 S HIGH STREET, 21st FLOOR
COLUMBUS, OH 43266-0121
614/466-2221

$350 application fee for each office.
Investigation fee may be required if investigation expenses exceed $350.

bond: $25,000

OK
DEPT. OF CONSUMER CREDIT
4545 LINCOLN BLVD., SUITE 104
OKLAHOMA CITY, OK 73105
405/521-3653
$500.00 application fee and $300.00 for each license.

OR
Richard Nockleby, Administrator
sharlyn raymert
Dept of Consumer and Business Services Consumer finance section
DIv. Of fin/corporate securities
350 Winter Street NE
SALEM, OR 97310
503/378-4140
-A corporate surety bond or irrevocable line of credit in the amount of $10,000.
Initial application fee of $500 for the principal place of business.l Initial application fee of $100 for each branch office.Investigation/audit fee of $60 per hour for each state employee used to conduct the audit.-Travel and per diem costs must also be paid by licensee if audit is conducted out of state.-If the work is performed by a hired consultant, licensee must pay actual cost of hiring the consultant.-Payment for costs incurred in the investigation must be made
upon receipt of the invoice.
-A corporate surety bond or irrevocable line of credit in the amount of $10,000.
Initial application fee of $500 for the principal place of business.l Initial application fee of $100 for each branch office.Investigation/audit fee of $60 per hour for each state employee used to conduct the audit.-Travel and per diem costs must also be paid by licensee if audit is conducted out of state.-If the work is performed by a hired consultant, licensee must pay actual cost of hiring the consultant.-Payment for costs incurred in the investigation must be made
upon receipt of the invoice.

PA
Cynthia Wirt, Chief
Licensing Division
Bureau of Licensing and Consumer Compliance
DEPARTMENT OF BANKING
333 MARKET STREET, 16TH FL.
HARRISBURG, PA 17101-2290
717/787-3717 fax 717-787-8773
licensing fee of $500 for the principal place of business;$50 for each branch; a $100,000 surety bond, only if collect fees prior to closing

RI
STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS
DEPT OF BUSINESS REGULATION
DIVISION OF BANKING
233 RICHMOND STREET,
SUITE 231
PROVIDENCE, RI 02903-4231
(401) 277-2405

$500 for each loan broker license and each branch; net worth: $10,000; bond: $10,000
 
   

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SC
Consumer Finance Division
Board of Financila Institutions
3rd Floor Calhoun Office Bldg, Box 11905 Columbia SC 29211
803-734-2020
803/734-9452 fax 803-734-9365
e-mail scdca@infoave.net
Old Address:
Jane Shuler
Department of Consumer Affairs
2801 Devine Street
Columbia, SC 29250
PO BOX 5757
COLUMBIA, SC 29250-5757

First-time processing fee of $200 (nonrefundable).

Initial application fee of $550.

Bond: $10,000

none

SD

DEPT OF COMMERCE AND REGULATION
DIVISION OF BANKING

STATE CAPITOL, 500 EAST CAPITOL AVENUE,
PIERRE, SD 57501-5070
(605)773-3421


The original license fee is $150.

TN
HAROLD BORUM
STATE OF TENNESSEE
DEPT. OF FINANCIAL INSTITUTIONS
502 JOHN SEVIER BUILDING
500 CHARLOTTE AVENUE
NASHVILLE, TN 37219
615/741-2236

tangible net worth: $25,000 Nonrefundable investigation fee of $100. License fee of $500. Surety bond or letter of credit of $25,000
SAME AS BROKER

TX
PHYLLIS WOLFENBARGER
TEXAS CONSUMER CREDIT COMMISSION
2601 N. LAMAR
AUSTIN, TX 78705-4207
512/936-7600
application fee $375 for mortgage broker and $175 for loan officer; net worth of $25,000 or bond of $50,000 tangible net worth (tangible assets less liabilities) of not less than $25,000

UT
STATE OF UTAH DEPT. OF FINANCIAL INSTITUTIONS P.O. BOX 89,
324 SOUTH STATE,
SUITE 201
SALT LAKE CITY, UT 84110-0089
(801)538-8830

Nonrefundable initial notification fee of $200.
 
   

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VA
Nicholas C. Kyrus, Deputy Commissioner
804-371-9690
Applications/Licensing
STATE OF VIRGINIA
BUREAU OF FINANCIAL INSTITUTIONS
Tyler Bldg, 8th Floor
1300 E. Main Street
Richmond, VA 23219
PO BOX 640
RICHMOND, VA 23218-0640
804/371-9657 fax 804-371-9704

Non-refundable application fee of $500

surety bond of $5,000.

MORTGAGE LENDER
at least $200,000 to be used in the operation of its business.
Non-refundable application fee of $500 if applicant seeks to be either a lender or a broker. Non -refundable application fee of $1,000 if applicant seeks to be both a lender and broker. surety bond of $5,000.

VT
  $250 investigation fee.
$250 initial license fee.
The actual costs of the Commissioner’s examination of the licenser. Bond:
$10,000.
 

WA
Mark P. Thompson
Dept of Financial Institutions
Division of Consumer Services and Administration
210 11th StreetSW Room 300
Olympia, WA 98504
360-902-8703 fax 306-664-2258
206/753-4401


annual assessment of $500 for each license, and $500 for each branch office

bond between $20,000 and $60,000

MORTGAGE LENDER
a surety bond, approved by the Director, in the amount of $100,000

WI

COLLETTE DEMUE
COMMISSIONER OF BANKING
608/266-1621

mtg broker app. fee of $750 and loan originator app. fee of $250

bond: $100,000 to qualify for no physical office status

WV
TRACY HUDSON
DEPARTMENT OF BANKING
STATE CAPITOL COMPLEX
BUILDING 3, ROOM 311
CHARLESTON, WV 25305
304/558-2294
n/a

WY
JOE MULBERRY
STATE OF WYOMING
DEPT OF AUDIT
DIVISION OF BANKING-UCCC
HERSCHLER BUILDING-3RD FLOOR
122 WEST 25TH STREET
CHEYENNE, WY 82002
(307)777-7797
(307)777-6605
n/a = No specific provisions are contained in the Act concerning mortgage brokers; however, a broker could be covered if it acts as a lender.
       
       
       

E-MAIL US

YOUR NAME, YOUR COMPANY, YOUR TELEPHONE NUMBER,

THE STATE, THE LICENSE THAT YOU ARE INTERESTED IN

AND WE WILL CALL YOU IMMEDIATELY

THOMAS LAW FIRM, P.C.

ATTN: HERBERT H. THOMAS

6116 NORTH CENTRAL EXPRESSWAY
SUITE 922, L.B.72
DALLAS, TEXAS 75206-5155
214.692.7611 (VOICE) OR 692-7613 (FAX)


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