State Laws

Mortgage State Laws

Licensing requirements for mortgage licensees across U.S. states.

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Mortgage regulations by state

Where you operate shapes what you file

52 of 52 jurisdictions documented. Pick a state to see the regulator, the license rule, and the bond.

Mortgage regulations by state

Interactive map requires JavaScript. The full state directory is below.

Alabama
Regulator: Alabama State Banking Department
License: Yes
Bond: $10,000-$25,000
Open Alabama guide
Alaska
Regulator: Alaska Division of Banking & Securities
License: Yes
Bond: $10,000-$25,000
Open Alaska guide
Arizona
Regulator: Arizona Department of Financial Institutions
License: Yes
Bond: $10,000-$25,000
Open Arizona guide
Arkansas
Regulator: Arkansas Securities Department
License: Yes
Bond: $10,000-$25,000
Open Arkansas guide
California
Regulator: California DFPI
License: Yes
Bond: $50,000
Open California guide
Colorado
Regulator: Colorado Division of Real Estate
License: Yes
Bond: $10,000-$25,000
Open Colorado guide
Connecticut
Regulator: Connecticut Department of Banking
License: Yes
Bond: $25,000
Open Connecticut guide
Delaware
Regulator: Delaware Office of the State Bank Commissioner
License: Yes
Bond: $10,000-$25,000
Open Delaware guide
District of Columbia
Regulator: DC Department of Insurance, Securities and Banking
License: Yes
Bond: $10,000-$25,000
Open District of Columbia guide
Florida
Regulator: Florida Office of Financial Regulation
License: Yes
Bond: $50,000
Open Florida guide
Georgia
Regulator: Georgia Department of Banking and Finance
License: Yes
Bond: $10,000-$25,000
Open Georgia guide
Hawaii
Regulator: Hawaii DCCA
License: Yes
Bond: $10,000-$25,000
Open Hawaii guide
Idaho
Regulator: Idaho Department of Finance
License: Yes
Bond: $10,000-$25,000
Open Idaho guide
Illinois
Regulator: Illinois DFPR
License: Yes
Bond: $50,000
Open Illinois guide
Indiana
Regulator: Indiana DFI
License: Yes
Bond: $10,000-$25,000
Open Indiana guide
Iowa
Regulator: Iowa Division of Banking
License: Yes
Bond: $10,000-$25,000
Open Iowa guide
Kansas
Regulator: Kansas OSBC
License: Yes
Bond: $10,000-$25,000
Open Kansas guide
Kentucky
Regulator: Kentucky DFI
License: Yes
Bond: $10,000-$25,000
Open Kentucky guide
Louisiana
Regulator: Louisiana OFI
License: Yes
Bond: $10,000-$25,000
Open Louisiana guide
Maine
Regulator: Maine Bureau of Consumer Credit Protection
License: Yes
Bond: $10,000-$25,000
Open Maine guide
Maryland
Regulator: Maryland DLLR
License: Yes
Bond: $10,000-$25,000
Open Maryland guide
Massachusetts
Regulator: Massachusetts Division of Banks
License: Yes
Bond: $25,000
Open Massachusetts guide
Michigan
Regulator: Michigan DIFS
License: Yes
Bond: $10,000-$25,000
Open Michigan guide
Minnesota
Regulator: Minnesota Department of Commerce
License: Yes
Bond: $10,000-$25,000
Open Minnesota guide
Mississippi
Regulator: Mississippi Department of Banking
License: Yes
Bond: $10,000-$25,000
Open Mississippi guide
Missouri
Regulator: Missouri Division of Finance
License: Yes
Bond: $10,000-$25,000
Open Missouri guide
Montana
Regulator: Montana Division of Banking and Financial Institutions
License: Yes
Bond: $10,000-$25,000
Open Montana guide
Nebraska
Regulator: Nebraska Department of Banking and Finance
License: Yes
Bond: $10,000-$25,000
Open Nebraska guide
Nevada
Regulator: Nevada Division of Mortgage Lending
License: Yes
Bond: $25,000
Open Nevada guide
New Hampshire
Regulator: New Hampshire Banking Department
License: Yes
Bond: $10,000-$25,000
Open New Hampshire guide
New Jersey
Regulator: New Jersey Department of Banking and Insurance
License: Yes
Bond: $10,000-$25,000
Open New Jersey guide
New Mexico
Regulator: New Mexico Regulation and Licensing
License: Yes
Bond: $10,000-$25,000
Open New Mexico guide
New York
Regulator: New York DFS
License: Yes
Bond: $50,000
Open New York guide
North Carolina
Regulator: North Carolina Commissioner of Banks
License: Yes
Bond: $10,000-$25,000
Open North Carolina guide
North Dakota
Regulator: North Dakota Department of Financial Institutions
License: Yes
Bond: $10,000-$25,000
Open North Dakota guide
Ohio
Regulator: Ohio Division of Financial Institutions
License: Yes
Bond: $25,000
Open Ohio guide
Oklahoma
Regulator: Oklahoma Department of Consumer Credit
License: Yes
Bond: $10,000-$25,000
Open Oklahoma guide
Oregon
Regulator: Oregon Division of Financial Regulation
License: Yes
Bond: $10,000-$25,000
Open Oregon guide
Pennsylvania
Regulator: Pennsylvania Department of Banking and Securities
License: Yes
Bond: $10,000-$25,000
Open Pennsylvania guide
Puerto Rico
Regulator: Puerto Rico OCIF
License: Yes
Bond: $10,000-$25,000
Open Puerto Rico guide
Rhode Island
Regulator: Rhode Island Division of Banking
License: Yes
Bond: $10,000-$25,000
Open Rhode Island guide
South Carolina
Regulator: South Carolina Board of Financial Institutions
License: Yes
Bond: $10,000-$25,000
Open South Carolina guide
South Dakota
Regulator: South Dakota Division of Banking
License: Yes
Bond: $10,000-$25,000
Open South Dakota guide
Tennessee
Regulator: Tennessee Department of Financial Institutions
License: Yes
Bond: $10,000-$25,000
Open Tennessee guide
Texas
Regulator: Texas SML (Savings and Mortgage Lending)
License: Yes
Bond: $50,000
Open Texas guide
Utah
Regulator: Utah DFI
License: Yes
Bond: $10,000-$25,000
Open Utah guide
Vermont
Regulator: Vermont DFR
License: Yes
Bond: $10,000-$25,000
Open Vermont guide
Virginia
Regulator: Virginia Bureau of Financial Institutions
License: Yes
Bond: $10,000-$25,000
Open Virginia guide
Washington
Regulator: Washington DFI
License: Yes
Bond: $10,000-$25,000
Open Washington guide
West Virginia
Regulator: West Virginia Division of Financial Institutions
License: Yes
Bond: $10,000-$25,000
Open West Virginia guide
Wisconsin
Regulator: Wisconsin Department of Financial Institutions
License: Yes
Bond: $10,000-$25,000
Open Wisconsin guide
Wyoming
Regulator: Wyoming Division of Banking
License: Yes
Bond: $10,000-$25,000
Open Wyoming guide

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Every entry below reflects a real change our team shipped to a state guide. Dates come from the change log, not a page template.

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