Mortgage company licensing by state

6 states13 licences102 requirementsChecked August 26, 2026

Every figure read from the statute or rule that sets it, cited on the page, dated. Three things vary more than people expect: what the licence is called, whether it expires, and the renewal date the state itself sets.

States

State	Regulator	Licences	Renewal
California	CA-DFPI	Residential Mortgage Lending Act License, California Financing Law License	Does not expire
Florida	FL-OFR	Mortgage Lender License, Mortgage Broker License	31 December
Georgia	GA-DBF	Mortgage Lender License, Mortgage Broker/Processor License	1 December, expires 31 December
New York	NY-DFS	Mortgage Banker License, Mortgage Broker Registration, Mortgage Loan Servicer Registration	Does not expire
North Carolina	NCCOB	Mortgage Lender License, Mortgage Broker License, Mortgage Servicer License	31 December
Texas	TX-SML	Mortgage Company License	31 December

Renewal is the date the state's own statute or rule sets, which is not always the date NMLS shows.

Renewal dates are not all 31 December

The pale bar is the NMLS window. Georgia and Illinois, in black, close earlier. The dashed marker at 15 December is the approval cliff: CSBS reported 80 percent of renewals filed by that date were approved by 31 December, against 46 percent filed after it. CSBS stopped publishing those figures after 2016.

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Nothing here is legal advice, and none of it is a substitute for confirming a figure with the regulator. Corrections to licensing@payna.com.

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