Mortgage licensing by state
State mortgage lender, broker, and servicer licensing, including NMLS surety bond and net-worth requirements. Below are the published government fees, surety bond and net-worth requirements, processing timelines, and renewal cadence across 52 states.
Last updated June 26, 2026.
Government fees
$100 to $3,000
Processing timeline
14 to 28 weeks
| State | Gov fees | Surety bond | Net worth | Timeline | Renewal | Relative cost |
|---|---|---|---|---|---|---|
| Alabama | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Alaska | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Arizona | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Arkansas | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| California | $100 to $1,000 | $50,000 | n/a | 16 to 28 weeks | 12 mo | Higher cost relative to other states |
| Colorado | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Connecticut | $100 to $1,000 | $25,000 | n/a | 14 to 24 weeks | 12 mo | Higher cost relative to other states |
| Delaware | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| District of Columbia | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Florida | $100 to $1,000 | $50,000 | n/a | 14 to 24 weeks | 12 mo | Higher cost relative to other states |
| Georgia | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Hawaii | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Idaho | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Illinois | $100 to $1,000 | $50,000 | n/a | 14 to 24 weeks | 12 mo | Higher cost relative to other states |
| Indiana | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Iowa | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Kansas | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Kentucky | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Louisiana | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Maine | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Maryland | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Massachusetts | $100 to $1,000 | $25,000 | n/a | 14 to 24 weeks | 12 mo | Higher cost relative to other states |
| Michigan | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Minnesota | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Mississippi | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Missouri | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Montana | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Nebraska | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Nevada | $100 to $1,000 | $25,000 | n/a | 14 to 24 weeks | 12 mo | Higher cost relative to other states |
| New Hampshire | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| New Jersey | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| New Mexico | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| New York | $100 to $3,000 | $50,000 | n/a | 16 to 28 weeks | 12 mo | Higher cost relative to other states |
| North Carolina | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| North Dakota | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Ohio | $100 to $1,000 | $25,000 | n/a | 14 to 24 weeks | 12 mo | Higher cost relative to other states |
| Oklahoma | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Oregon | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Pennsylvania | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Puerto Rico | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Rhode Island | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| South Carolina | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| South Dakota | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Tennessee | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Texas | $100 to $1,000 | $50,000 | n/a | 14 to 24 weeks | 12 mo | Higher cost relative to other states |
| Utah | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Vermont | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Virginia | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Washington | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| West Virginia | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Wisconsin | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
| Wyoming | $100 to $1,000 | $10,000 | n/a | 14 to 24 weeks | 12 mo | Lower cost relative to other states |
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How we built this index
Government fees, surety bond amounts, net-worth floors, processing timelines, and renewal cadence come straight from each state regulator's published requirements, the same dataset that powers our state law reference pages. Each row links to the regulator source.
Engagement-cost ranges, where shown, are aggregated from our own completed licensing engagements. We only publish a numeric range for a state and license type once we have enough completed records to do so without exposing any single client. Below that threshold we describe relative cost as a band (lower, moderate, or higher than other states) drawn only from the public regulator figures.
The index recomputes on a recurring schedule. The freshness date below reflects the last recompute.
Every figure here is an indicative aggregate, not a quote. What you actually pay and how long you wait depends on your business profile, the states you operate in, and the license type, and requires our review of your specifics.