Illinois Temporary Military Mortgage Loan Originator License
individual licence · DFPR
This license is available if you are a service member or the spouse of a service member, defined as any person who, at the time of application, is an active duty member of the United States Armed Forces or the National Guard of any state, commonwealth, or territory of the United States or the District of Columbia or whose active duty service concluded within the preceding 2 years before application, pursuant to Civil Administrative Code of Illinois 20 ILCS 5/5-715.
Requirements (4)
Step 1
License Pre-Requisite: In order to obtain a Temporary Military MLO license you must be licensed in another state. NMLS must indicate you are compliant with this requirement.Submitted via: NMLS
Step 2
Company Sponsorship: A sponsorship request must be submitted by your employer. IDFPR will review and accept or reject the sponsorship request. IDFPR offers an “Approved-Inactive” license status. If you are not currently employed by a mortgage company (or your employer has not yet requested sponsorship on your behalf) and you have completed all requirements for this license, the license may be issued as “Approved-Inactive” until sponsorship by a mortgage company is acquired. While in an “Approved-Inactive” status, you are NOTauthorized to conduct business under the authority of the IL Temporary Military Mortgage Loan Originator License.Submitted via: NMLS
Step 3
Disclosure Questions: Provide an explanation and, if applicable, a supporting document for each “Yes” response. Note: A letter of explanation (LOX) and the submission of supporting documentation uploaded in the NMLS is required for any “YES” answer to the Disclosure Questions. Additional information related to a criminal background check issue (i.e., orders, court dispositions, discharges, etc.) or credit check issue (i.e., payment plans for taxes, student loans or child support, bankruptcy discharge papers, etc.) will require you to submit a LOX and the supporting documentation to: FPR.LoanOriginator@Illinois.gov.Submitted via: Upload in NMLS in the Disclosure Explanations section of the Individual Form (MU4).
Step 4
IL State Specific Disclosures: These questions must be answered during or after the submission of your Individual Form (MU4). Please print, answer and upload answers in NMLS. 1. Are you currently more than 30 days delinquent in complying with a child support order? If YES, please upload in NMLS in the Disclosure Explanations section of the Individual Form (MU4) a copy of your court ordered payment plan. Yes No 2. Are you currently in default on an educational loan or scholarship provided or guaranteed through the Illinois Student Assistance Commission or other governmental agency? If YES, please email a copy of your payment plan. Yes No 3. Are you currently in notification status of any unpaid state taxes or unfiled tax return due to the Illinois Department of Revenue, Internal Revenue Service or by any tax authority? If YES, please upload in NMLS in the Disclosure Explanations section of the Individual Form (MU4) a copy of your payment plan. Yes No 4. Are you a Service Member or the spouse of a Service Member that meets the requirements on page one so that you qualify for a temporary license? Name of Service Member ____________________________________Submitted via: Upload in NMLS: Upload document in NMLS in the Agency Guidance section under Document Type Additional Upload Requirement.
General information
Who Is Eligible To Obtain This License?
For the purpose of obtaining a Temporary Military Mortgage Loan Originator license in Illinois, pursuant to Civil Administrative Code of Illinois 20 ILCS 5/5-715, if you are a service member or the spouse of a service member, defined as any person who, at the time of application, is an active duty member of the United States Armed Forces or the National Guard of any state, commonwealth, or territory of the United States or the District of Columbia or whose active duty service concluded within the preceding 2 years before application, please indicate your status and the name of the Service Member on the checklist below.
Your temporary license will be valid for up to six (6) months after the date of issuance during which time you must have completed all Illinois licensing requirements.
All Individual Forms (MU4) filed with the Department must be complete. Any deficiencies must be addressed pursuant to 1050.370 of the Rules of the Residential Mortgage License Act of 1987.
Failure to comply with all the requirements WITHIN 90 DAYS OF THE INITIAL DATE OF YOUR Individual Form (MU4) FILING WITH THE DEPARTMENT MAY RESULT IN YOUR APPLICATION BEING DEEMED WITHDRAWN. If an application is withdrawn and an applicant subsequently wants to become an MLO in Illinois, the applicant will be required to resubmit an application through the NMLS and pay the initial license request fees.
Your application for registration will be DEEMED WITHDRAWN if additional information requested has not been submitted within 15 business days of the request.
The Illinois Department of Financial and Professional Regulation, Division of Banking, does not issue paper licenses for this license type.
Other Illinois mortgage licenses
- Mortgage Loan Originator License
- Residential Mortgage License
- Student Loan Servicer License
- All 4 Illinois licenses
Sourced from the NMLS/CSBS state licensing record, last updated March 26, 2026. Requirements change — confirm against the state agency before filing. Not legal advice.