Y CombinatorLENDING
Licensing for lenders.
Which states require a lending license depends on the product, the rates, and the borrower. Payna maps it, files it, and keeps it current, for the entity and for the people.
Book a demoPAYNA FOR LENDING
How lending teams use Payna.
Apply. Get licensed.
Apply organizes state requirements against the licensing scope your legal or compliance team approves, then runs the applications: bonds, financials, control persons, and state filings, sequenced as one program.
Explore Apply →Seats. License individuals.
If the products include mortgage, originators need their own licenses. Seats runs the MLO roster per person: MU4s, sponsorships, CE, and the renewal window.
Explore Seats →Maintain. Stay licensed.
Lending licenses come with renewals, annual reports, and state exams on different cycles per state. Maintain plans backward from each one and keeps the record audit-ready.
Explore Maintain →API. Build on license data.
Gate origination by state licensure in any stack, and give partners a live, machine-readable answer on where the entity is licensed.
Explore API →THE MOMENT
The license map moves when the product does.
- [1]
The product ships
A new rate, a new fee structure, a new borrower segment. Small product decisions change which states require a license.
- [2]
Fifty answers
Whether a state licenses the product depends on the rates, the amounts, and the borrower. The answer is different in every state, and it changes.
- [3]
Mapped before launch
Payna maps the requirement per state before the product ships, files where filings are needed, and re-checks the map when the product changes.
Tell us what gets lent, and where.
We will map the license requirements for the product and show the program on Payna.
Book a demoBOOK A DEMO
See how Payna runs licensing.
Tell us a little about the company and we’ll walk through how Payna handles licensing and compliance in every US state.