Can I get a mortgage broker license online?

Yes, the filing itself is online. State regulators use the Nationwide Mortgage Licensing System (NMLS), and all new applications, amendments, and renewal filings must be submitted through NMLS rather than on paper. Some parts of an application are still completed outside the system, such as fingerprinting for background checks and certain state-specific documents.

Yes. Alaska's Mortgage Broker/Lender company license is applied for through NMLS, the online system the Division of Banking and Securities uses to process filings. You submit Form MU1 with the required documents and pay a $500 application fee and a $1,000 license fee, plus a $120 NMLS processing fee for the company filing. The required $75,000 surety bond must be furnished electronically through NMLS rather than uploaded as a document.

Partly. Company applications under the California Financing Law and the Residential Mortgage Lending Act are filed electronically through NMLS, and the Residential Mortgage Lending Act company license requires no examination. Fingerprints for the required criminal background check must still be taken in person at an approved location, and the DRE real estate broker path requires a written examination.

Yes. Connecticut requires all mortgage licensing filings to be submitted exclusively through NMLS, so you obtain a Mortgage Broker license by filing the company record (Form MU1) and related records online rather than on paper. The company must have at least $50,000 in tangible net worth and must file its surety bond electronically on NMLS. A qualified individual at the main office, with at least 3 years of mortgage business experience in the preceding 5 years, must hold a mortgage loan originator license.

Yes. DC mortgage broker company licenses are processed through NMLS, the online licensing system, with fees paid through the platform. Unlike individual mortgage loan originators, company applicants do not need pre-license education or a licensing exam, though they must file a surety bond and meet business registration requirements. The Commissioner must approve or deny the application within 60 days after the application, bond, and fees are filed.

Yes. Florida requires every mortgage broker license application, amendment, and renewal to be filed online through NMLS, and there is no separate state exam. The company files an MU1 form, designates a qualifying principal loan originator, pays a $425 nonrefundable application fee plus a $100 trust fund fee, and submits fingerprints and credit report authorizations for each control person.

Yes. All Georgia mortgage license applications, including the Mortgage Broker/Processor company license, are filed online through NMLS. The new application fee is $650 plus NMLS fees. Effective January 1, 2021, a physical place of business is no longer required for the broker/processor license, though each Georgia location that conducts business with consumers needs an on-site manager.

Hawaii no longer issues mortgage broker licenses; those licenses expired December 31, 2010, and the business is now licensed as a mortgage loan originator company under Chapter 454F. Applications are filed online through NMLS using Form MU1, and the company must maintain a principal place of business in Hawaii.

Yes. Indiana mortgage licensing is processed through NMLS, and the individual MLO path can be completed online: NMLS-approved pre-licensing education is offered online or in person, the application (Form MU4) is filed in NMLS, and the criminal background check and credit report are requested through the system. Neither the Indiana DFI nor the Secretary of State issues paper licenses.

Yes. Iowa mortgage banker and mortgage broker applications are submitted to the administrator through NMLS. Officers, directors, and individuals in control of the applicant must provide fingerprints and authorize an FBI background check through NMLS. The applicant pays the fee set in Iowa Code section 535B.4(10) plus $40 per additional branch location, and the application fee is not refundable.

Yes. Kentucky mortgage loan broker applications are filed electronically through the Nationwide Multistate Licensing System & Registry (NMLS) using the Company Form. The application must also include supporting documents, such as an audited financial statement, a surety bond of at least $50,000, certified organizational documents, and a Kentucky Secretary of State Certificate of Authority dated within 60 days.

Yes. Louisiana requires all new license applications, including mortgage broker licenses, to be filed through NMLS. The company-level application fee is $500, and the annual renewal fee is $400. Some documents, such as the surety bond, must be submitted directly to the Louisiana Office of Financial Institutions rather than through the system.

Yes. Mortgage broker applications in Massachusetts are submitted online through NMLS, and the Division of Banks no longer accepts paper applications. Supporting documents are mailed to the Loan Originator Licensing / Mortgage Lender-Mortgage Broker Licensing Unit at 1000 Washington Street, 10th Floor, Boston, MA 02118.

Yes. A Minnesota mortgage broker (Residential Mortgage Originator) company applies for its license through the Nationwide Multistate Licensing System (NMLS), which is online. Minnesota does not issue paper licenses for this license type; verification is through NMLS Consumer Access or the company's NMLS account. Out-of-state companies do not need a Minnesota office, but they may need to register as a foreign corporation with the Minnesota Secretary of State.

Yes. All mortgage licensing in Mississippi is handled through NMLS, so you submit the mortgage broker company license application online. The initial license fee is $2,000, and an initial applicant must carry a $50,000 surety bond. Supporting items, such as entity documentation and company policies, are uploaded to your NMLS filing.

Yes, mortgage broker license applications are filed online through NMLS. The entity pays a $500 application fee ($100 if the broker is owned by a Montana-licensed MLO), must designate a licensed MLO with 3 years of experience as its designated manager, and must carry a surety bond tiered by annual loan volume, from $25,000 up to $100,000. Brokers have no minimum net worth requirement, unlike lenders, which must maintain $250,000.

You file the application online through NMLS, but Nevada does not permit fully virtual operations. A mortgage company must maintain a physical in-state office, and virtual offices, shared-space locations, desk rentals, and home-based locations are prohibited for licensed offices. Out-of-state companies that take applications from or negotiate with Nevada borrowers must license a Nevada branch office unless they are pure wholesale lenders with no direct borrower contact.

Yes. All new mortgage broker licensing in New Hampshire is filed online through the Nationwide Multistate Licensing System (NMLS). The application includes supporting documents such as formation papers, an anti-money laundering policy, a business plan, and an electronic surety bond submitted through NMLS.

Yes, the application itself is filed online. A New Jersey Residential Mortgage Broker license is obtained by creating an NMLS record and electronically filing Form MU1, with a $1,200 state application fee and a $120 NMLS processing fee. Some requirements go beyond the online form, including a $150,000 surety bond, an MU2 for each control person, and a Qualified Individual who files an MU4.

Yes. New Mexico licenses mortgage brokers as mortgage loan companies, and those applications are filed online through NMLS. The process requires a $500 application fee, an initial $50,000 surety bond from a surety company authorized in New Mexico, a Qualified Individual who holds an active New Mexico MLO license, and an unaudited financial statement.

Yes, New York mortgage broker applications are submitted electronically through NMLS, though New York technically registers brokers rather than licensing them. The online filing is only part of the process: you must mail original documents within 5 days of completing the filing, submit fingerprints, pay a $1,500 application fee, and, after approval, provide a surety bond and attend a conferral meeting before the registration certificate is issued.

Yes. North Dakota company licenses, called money broker licenses, are filed online through NMLS, and the state does not require a physical presence for this license. The money broker application carries a $400 initial fee and a $400 annual license fee, plus a $50 annual fee for each branch location.

Rhode Island mortgage broker applications are filed electronically through NMLS rather than on paper. The company must name a Qualifying Individual who holds an active Rhode Island MLO license, submit an electronic surety bond in NMLS, and upload financial statements and a certificate of good standing. Fees paid through NMLS are not refundable.

Yes, mostly. South Carolina mortgage broker applications are submitted through NMLS, though some items cannot be handled online: the original executed surety bond must be mailed to the Department of Consumer Affairs. The broker license requires a $550 fee plus a one-time $200 processing fee, a surety bond of at least $25,000, and at least 3 years of financial services experience.

Yes. All new applications, renewals, and changes for Texas mortgage companies and individuals must be submitted online through NMLS. A person establishing a brokerage files the company application through NMLS, and any loan originators the company sponsors file their individual licenses there as well.

Yes. All Utah mortgage license applications are filed through the Nationwide Multistate Licensing System (NMLS), an online system. An individual who brokers closed-end residential first mortgages applies for the Utah Division of Real Estate mortgage loan originator license on an MU4 form, and a mortgage company registers on an MU1 form naming its Principal Lending Manager as the qualifying individual.

Yes. The Washington Department of Financial Institutions manages all Mortgage Broker licenses through NMLS, so the company application is filed online. Before filing, the company must appoint a designated broker who has passed the Washington Designated Broker Test, obtain a $20,000 electronic surety bond through NMLS, and pay the $1,001 application fee.

Yes, the application is filed online through NMLS, though the license itself is issued by the West Virginia Division of Financial Institutions. A mortgage broker applicant pays a $350 license fee plus fingerprint costs and NMLS processing fees, and must show at least $10,000 in tangible net worth.

Yes. Wisconsin mortgage broker applications are filed online through NMLS, because Wisconsin uses that system for all of its mortgage licensing. The broker license is a company credential: the application fee is $750, and the company must maintain $100,000 in minimum net worth at all times and submit reviewed financial statements each year.

Yes. Wyoming conducts all of its mortgage licensing through the NMLS website, so you file the application, upload documents, pay fees, and track status online. Individual loan originators file Form MU4 through NMLS, and a company applying for a Mortgage Lender/Broker license files MU1 with its business plan, financial statements, and surety bond electronically.