Mortgage Lender License Services
Mortgage Lender License Services
Mortgage lending is a tightly regulated space. We help you understand and manage mortgage lender compliance requirements, prepare your license applications, and get your business ready to launch.
Mortgage lending is a tightly regulated space. We help you understand and manage mortgage lender compliance requirements, prepare your license applications, and get your business ready to launch.
As seen on:
As seen on:
As seen on:
Eligibility
Eligibility
Who Needs a Mortgage Lender License?
Most companies that offer or fund residential mortgage loans need to be licensed at the state level. Here are common business types that typically need a license before they can start lending.
VC-Backed Fintechs
High-growth fintechs entering the mortgage space need licenses before they can launch or scale operations.
VC-Backed Fintechs
High-growth fintechs entering the mortgage space need licenses before they can launch or scale operations.
Mortgage Subsidiaries
If your company owns or manages a lending operation, it may be subject to licensing and disclosure requirements.
Mortgage Subsidiaries
If your company owns or manages a lending operation, it may be subject to licensing and disclosure requirements.
Residential Lenders
Companies that lend money to consumers to purchase or refinance homes must be licensed in each state where they operate.
Residential Lenders
Companies that lend money to consumers to purchase or refinance homes must be licensed in each state where they operate.
Steps
Steps
How to Get a Mortgage Lender License
01
Choose Your Operating States
Licensing is state-based. Start by identifying where you plan to lend and review each state’s specific mortgage licensing requirements.
01
Choose Your Operating States
Licensing is state-based. Start by identifying where you plan to lend and review each state’s specific mortgage licensing requirements.
02
Set Up in NMLS
Set up your company profile in the NMLS portal. This is where you’ll submit your license applications, manage renewals, and respond to exams.
02
Set Up in NMLS
Set up your company profile in the NMLS portal. This is where you’ll submit your license applications, manage renewals, and respond to exams.
03
Designate a Qualified Individual
Most states require a control person or compliance lead with mortgage lending experience and, in some cases, an individual license.
03
Designate a Qualified Individual
Most states require a control person or compliance lead with mortgage lending experience and, in some cases, an individual license.
04
Submit Financials and Bond
You’ll need to meet net worth requirements, provide financial statements, and post a surety bond. The exact amounts vary by state.
04
Submit Financials and Bond
You’ll need to meet net worth requirements, provide financial statements, and post a surety bond. The exact amounts vary by state.
05
Prepare Internal Policies
States expect written policies covering mortgage lender compliance, including anti-money laundering, fair lending, and disclosure practices.
05
Prepare Internal Policies
States expect written policies covering mortgage lender compliance, including anti-money laundering, fair lending, and disclosure practices.
06
Respond to Regulator Requests
After you apply, state regulators may ask questions or request edits. Having experienced help can make this stage faster and less painful.
06
Respond to Regulator Requests
After you apply, state regulators may ask questions or request edits. Having experienced help can make this stage faster and less painful.
Resources
Resources
Latest Content
Articles
Apr 22, 2025
·
16 min read
Articles
Apr 22, 2025
·
16 min read
FAQ
FAQ
Frequently Asked Questions
Frequently Asked Questions
What licenses do I need to operate as a mortgage lender?
What licenses do I need to operate as a mortgage lender?
Start Your Licensing Process With Us
Start Your Licensing Process With Us
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.
Who We Serve
Compliance Services
Compliance Consulting
Compliance Operations
Licensing Services
Resources
About InnReg
The content provided on this website is for informational purposes only and does not constitute legal, investment, tax, or other professional advice. InnReg LLC is not a law firm, tax advisor, or regulated financial institution. Viewing this site or contacting InnReg does not create a client relationship. Results described in case studies or testimonials may not be typical and do not guarantee future outcomes. Tools, spreadsheets, or guides available on this site are provided for illustrative purposes only and should not be relied upon without professional guidance. Any links to third-party websites are provided for convenience and do not constitute endorsement or responsibility for their content. The information on this site may not be applicable in all jurisdictions. While we strive to provide accurate content, we make no representations as to its completeness or timeliness. Some visual assets on this site are sourced from Freepik.