Reglith

Mortgage licensing / Florida

Florida Mortgage Broker License

company licence · NMLS FLBROKER_C · OFR

Requirements (5)

  1. Step 1

    Principal Loan Originator: Complete the Qualifying Individual section of the MU1 form to add the Principal Loan Originator. You must select Florida as an applicable jurisdiction. The Principal Loan Originator must be licensed as a Florida loan originator. The Principal Loan Originator must also demonstrate to the satisfaction of the Office of Financial Regulation that he or she has been actively engaged in a mortgage broker related business for at least one year before being designated as a Principal Loan Originator. Individual licensure with the Office of Financial Regulation for one year will satisfy the experience requirement.

    Submitted via: NMLS

  2. Step 2

    FBI & State Criminal Background Check: Each control person must submit fingerprints to a live scan vendor approved by the Florida Department of Law Enforcement and published in the Florida Department of Law Enforcement’s website for submission to the Florida Department of Law Enforcement for a state criminal background check and to the Federal Bureau of Investigation for an FBI criminal background check (ORI Number: FL921050Z). The cost of fingerprint processing shall be borne by the applicant and paid directly to the Live Scan vendor. Resubmission of the prints for the state criminal background check may be required if incorrect information (social security number, date of birth, etc…) is provided to the Live Scan vendor. Resubmission of prints will result in additional costs to the individual being reprinted. Upon written request by the Office of Financial Regulation each control person of a mortgage broker and mortgage lender license applicant shall provide documents related to each “criminal event” contained in the control person’s law enforcement record. The requested documents provided by the control person must be legible. Documents that are typically requested by the Office include, but are not limited to: (a) A copy of the police arrest affidavit, arrest report or similar document. (b) A certified copy of the charges. (c) A certified copy of the plea, judgment, and sentence where applicable. (d) A certified copy of an order of entry into pre-trial intervention, and the order of termination of pre-trial intervention showing dismissal of charges where applicable. (e) A certified copy of an order of termination of probation or supervised release, if applicable. If the requested documentation cannot be obtained, the relevant person shall submit evidence of that fact in order for the application to be deemed complete. Evidence that documentation cannot be obtained shall consist of a written statement on the letterhead of the agency that would be the custodian of the documents signed by a representative of that agency, stating that they have no record of such matter, or hat the record is lost or was damaged or destroyed, or otherwise stating why the document cannot be produced. Florida Rule 69V-40.00112 Effect of Law Enforcement Records on Applications for Loan Originator, Mortgage Broker, and Mortgage Lender Licensure

    Submitted via: Livescan Service Providers

  3. Step 3

    Credit Report: Each control person must authorize the NMLS to obtain and make available to the Office of Financial Regulation an independent credit report on the licensee. The cost of the credit report shall be borne by the licensee. Upon written request by the Office of Financial Regulation each applicant shall provide documents related to “adverse credit history information” contained in the applicant’s credit report. The requested documents provided by the applicant must be legible. Documents that are typically requested by the Office include, but are not limited to: (a) Copies of satisfaction of judgment. (b) Copies of satisfaction of outstanding tax liens or other governmental liens. (c) Copies of court documents that reflect the substance of the matter and how the matter was resolved or adjudicated. (d) Copies of account statements or letters from the creditors explaining the current status of accounts. For security purposes, the relevant person may redact all but the last four (4) digits of the account number prior to submitting the document to the Office. (e) Copies of tax returns, pay stubs, or other documentation of income. If the documents requested above cannot be obtained, the relevant person shall submit evidence of that fact in order for the license application to be deemed complete. Evidence that documents cannot be obtained shall consist of a written statement from the agency’s or creditor’s records custodian that is written on the agency’s or creditor’s letterhead; indicates that the agency or the creditor does not have any record of such matter or that the record was lost, damaged, or destroyed, or cannot otherwise be produced and provide a statement as to why the record cannot be produced; and is signed by the agency’s or creditor’s records custodian. Florida Rule 69V-40.0113 Demonstrating Character, General Fitness, and Financial Responsibility

    Submitted via: NMLS

  4. Step 4

    The Florida Office of Financial Regulation will not begin its review of an application until all the items listed above have been received. Once an application has been deemed received, the NMLS status will change from “Pending-Incomplete” to “Pending-Review”. Once the status has been changed to “Pending-Review” the application will be reviewed and deficiencies will be added as license items in NMLS.

  5. Step 5

    A control person that holds an active loan originator license in Florida is exempt from the FBI & State criminal background check and the credit report requirement as part of the mortgage broker application requirements.

General information

Who is required to have this license? This license is required for an entity conducting loan originator activities through one or more licensed loan originators employed by the mortgage broker or as independent contractors to the mortgage broker. Who does not need this license? • A person acting in a fiduciary capacity conferred by the authority of a court. • A person who, as a seller of his or her own real property, receives one or more mortgages in a purchase money transaction. • A person who acts solely under contract and as an agent for federal, state, or municipal agencies for the purpose of servicing mortgage loans. • A person who makes only nonresidential mortgage loans and sells loans only to institutional investors. • An individual making or acquiring a mortgage loan using his or her own funds for his or her own investment, and who does not hold himself or herself out to the public as being in the mortgage lending business. • An individual selling a mortgage that was made or purchased with that individual's funds for his or her own investment, and who does not hold himself or herself out to the public as being in the mortgage lending business. Pre-requisites for license applications? • None Approximate total cost is $598.75 which includes: $425 Florida application fee* $120 NMLS processing fee* $15 NMLS Credit report fee for each control person* $38.75 FBI & State criminal background check fee plus LiveScan provider costs for each control person (paid to service provider, fee may vary) *NMLS fees based on NMLS fee schedules and are subject to change All fees are NON-REFUNDABLE

Other Florida mortgage licenses

Sourced from the NMLS/CSBS state licensing record, last updated September 26, 2025. Requirements change — confirm against the state agency before filing. Not legal advice.

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