Mortgage licensing / New Hampshire

New Hampshire Mortgage Broker License

company licence · NMLS NHBROKER_C · SBD

Requirements (20)

1. Step 1

   Financial Statements: See the License Requirements and Fees Chart on the NMLS Resource Center for details related to this Requirement.

   Submitted via: NMLS

2. Step 2

   Internally-prepared statements must include an attestation, signed under penalty of Unsworn Falsification pursuant to NH RSA 641:3, that the financial statements are true and accurate to the best of his or her belief and knowledge. • Financial statements should include a Balance Sheet, Income Statement, Statement of Cash Flows, Statement of Owners Equity and relevant notes. • Unaudited Financial Statements must be attested to by an officer of the company and signed under penalty of Unsworn Falsification pursuant to NH RSA 641:3, that the financial statements are true and accurate to the best of his or her belief and knowledge. • Publicly traded corporations, and wholly owned subsidiaries of publicly traded corporations, may submit copies of their most recent SEC 10K and 10Q forms in lieu of financial statements required if the financial statements reflect the operations and financial position of the applicant itself. • Companies must maintain a $25,000 positive net worth at all times.

3. Step 3

   Other Trade Name: If operating under a name that is different from the applicant’s legal name, that name (“Trade Name”, “Assumed Name” or “DBA”) must be listed under the Other Trade Names section of the Company Form (MU1). New Hampshire Banking Department does not limit the number of other trade names.

   Submitted via: Upload in NMLS: under the Document Type Trade Name/Assumed Name Registration Certificates in the Document Uploads section of the Company Form (MU1).

4. Step 4

   Resident/Registered Agent: The Resident/Registered Agent must be listed under the Resident/Registered Agent section of the Company Form (MU1) Foreign companies (not formed under NH law) must appoint and maintain at all times a registered agent in New Hampshire. (If the applicant has a NH branch office, an individual in that office may be appointed as the NH registered agent.) Banking Department examinations of the licensee’s books and records may take place at the registered agent’s office. Note: Providing this information on the Company Form (MU1) does not take the place of filing Form U-2, Uniform Consent to Service of Process.

   Submitted via: NMLS

5. Step 5

   Non-Primary Contact Employees: New Hampshire Banking Department requires that an individual(s) be identified as a Non-Primary Contact for the following areas. • Litigation • Pre-Exam Contact These contacts must be listed in the Contact Employees section of the Company Form (MU1). If the individual is already identified as a Primary Contact, they will need to also be identified as a Non-Primary Contact.

   Submitted via: NMLS

6. Step 6

   Qualifying Individual: This individual shall be employed full-time in a supervisory capacity at the company’s principal office and shall have been actively engaged in the mortgage business in a similar supervisory capacity for a minimum of 3 of the preceding 5 years as per NH RSA 397-A:5. This individual will more than likely be a principal of the company, and the experience outlined on the MU2 filed through the NMLS will be reviewed for compliance with the statute. We may also request a resume. If the named individual has not already completed a background check he or she will need to complete one through this office unless he or she is a New Hampshire licensed loan originator. This individual must be listed in the Qualifying Individual section of Company Form (MU1). Note: At this time it is not a requirement that the Qualifying Individual be a license loan originator.

   Submitted via: NMLS

7. Step 7

   Principals of the applicant are considered “control persons” in New Hampshire and may include “management level employees ”. RSA 397-A:1 XI-b states in part: Management level employees “or other position the responsibilities of which provide such employee with the discretion or ability to set policy or manage or direct affairs of the licensee as a whole, or of any division or department or unit of the licensee.” Individuals identified as management level employees will need to complete a background check through the NMLS.

   Submitted via: NMLS

8. Step 8

   Credit Report: See the License Requirements and Fees Chart on the NMLS Resource Center for details related to this Requirement.

   Submitted via: NMLS

9. Step 9

   MU2 Individual FBI Criminal Background Check Requirements: See the License Requirements and Fees Chart on the NMLS Resource Center for details related to this Requirement.

   Submitted via: NMLS

10. Step 10

    Electronic Surety Bond: See the License Requirements and Fees Chart on the NMLS Resource Center for details related to this Requirement.

    Submitted via: Electronic Surety Bond in NMLS

11. Step 11

    AML/BSA Policy: Upload an Anti-Money Laundering (AML) / Bank Secrecy Act (BSA) Policy that may include independent review. (this should be the company’s most current policy and if already provided in document uploads does not need to be provided again.) This document should be named Internally Approved Date mm-dd-yyyy.

    Submitted via: Upload in NMLS: under the Document Type AML/BSA Policy in the Document Uploads section of the Company Form (MU1).

12. Step 12

    Business Plan: Upload a business plan outlining the following information: • Marketing strategies • Products • Target markets • Fee schedule • Operating structure the applicant intends to employ. This document should be named [Company Legal Name] Business Plan. Note: If the existing uploaded business plan already includes the above information, an additional document does not need to be uploaded. A company should only upload a single business plan. If state-specific material is required, this information should be added to the existing uploaded business plan.

    Submitted via: Upload in NMLS: under the Document Type Business Plan in the Document Uploads section of the Company Form (MU1).

13. Step 13

    Certificate of Authority/Good Standing Certificate: Applicants organized under the laws of the State of New Hampshire must upload a copy of the Certificate of Formation issued by the New Hampshire Secretary of State. Foreign (not formed under New Hampshire law) corporations, foreign limited liability companies and foreign partnerships must provide a copy of their home state registration and proof of registration as a foreign corporation, foreign limited liability company or foreign partnership (“Certificate of Authority”) issued by the NH Secretary of State. (Telephone Number: 603-271-3244 or 603-271-3246) or visit their website at https://www.sos.nh.gov/corporations-0

    Submitted via: Upload in NMLS: under the Document Type Certificate of Authority/Good Standing Certificate in the Document Uploads section of the Company Form (MU1).

14. Step 14

    Formation Documents: Determine classification of applicant’s legal status and submit a State certified copy of the requested applicable documentation detailed below. Original formation documents and all subsequent amendments, thereto including a list of any name changes. This document should be named Formation Documentation [Date of Creation (MM-DD-YYYY)]. Unincorporated Association: • By-Laws or constitution (including all amendments). General Partnership: • Partnership Agreement (including all amendments). Limited Liability Partnership: • Certificate of Limited Liability Partnership; and • Partnership Agreement (including all amendments). Limited Partnership: • Certificate of Limited Partnership; and • Partnership Agreement (including all amendments). Limited Liability Limited Partnership: • Certificate of Limited Liability Limited Partnership; and • Partnership Agreement (including all amendments). Limited Liability Company (“LLC”): • Articles of Organization (including all amendments); • Operating Agreement (including all amendments); • IRS Form 2553 or IRS Form 8832 if S-corp treatment elected; and • LLC resolution if authority not in operating agreement. Corporation: • Articles of Incorporation (including all amendments); • By-laws (including all amendments), if applicable; • Shareholder Agreement (including all amendments), if applicable; • IRS Form 2553 if S-corp treatment elected; and • Corporate resolution if authority to complete application not in By-Laws or Shareholder Agreement, as amended, as applicable. Not for Profit Corporation • Documents requested of a Corporation; and • Proof of nonprofit status • Internal Revenue Service (“IRS”) 501(c)(3) designation letter; or • statement from a State taxing body or the State attorney general certifying that: (i) the entity is a nonprofit organization operating within the State; and (ii) no part of the entity’s net earnings may lawfully benefit any private shareholder or individual; or • entity's certificate of incorporation or similar document if it clearly establishes the nonprofit status of the applicant; or • Any of the three preceding items described, if that item applies to a State or national parent organization, together with a statement by the State or parent organization that the applicant is a local nonprofit affiliate. Trust (Statutory) • Certificate of Trust; and • Governing instrument (all amendments).

    Submitted via: Upload in NMLS: under Formation Document” in the Document Uploads section of the Company Form (MU1).

15. Step 15

    Management Chart: Submit a Management chart displaying the applicant’s directors, officers, and managers (individual name and title). Must also identify compliance reporting and internal audit structure. This document should be named [Company Legal Name] Management Chart. Note: If the existing uploaded management chart already includes the above information, an additional document does not need to be uploaded. A company should only upload a single management chart.

    Submitted via: Upload in NMLS: under Management Chart in the Document Uploads section of the Company Form (MU1).

16. Step 16

    Organizational Chart/Description: Submit a chart showing (or a description which includes) the percentage of ownership of: • Direct Owners (total direct ownership percentage must equate to 100%) • Indirect Owners • Subsidiaries and Affiliates of the applicant/licensee This document should be named [Company Legal Name] Organizational Chart – Description. Note: If the existing uploaded Organizational Chart/Description already includes the above information, an additional document does not need to be uploaded. A company should only upload a single management chart.

    Submitted via: Upload in NMLS: under Organizational Chart/Description in the Document Uploads section of the Company Form (MU1).

17. Step 17

    Affirmation Form: Complete and upload the Affirmation Form This must be signed by a control person for the company.

    Submitted via: Upload to NMLS additional requirement section

18. Step 18

    Form U-2, Uniform Consent to Service of Process: Complete and upload Form U-2 This requirement is not in lieu of the “Registered Agent” field in NMLS.

    Submitted via: Upload to NMLS additional requirement section

19. Step 19

    Statement of Prior Activity: Complete and upload this form. Statement of Prior Activity This form is required even if the company has not had prior activity in New Hampshire.

    Submitted via: Upload to NMLS additional requirement section

20. Step 20

    State Examination System (SES) Contacts: The company will need to add a Supervisory Activity (SA) Contact and Complaints Contact in the State Exam System (SES). These contacts will need to be set up so that the company will receive notifications through the SES for future exams and complaints. The link below provides information on how to set up the contacts in the SES or call SES customer support at 1-800-269-6189. Company Enrollment in SES – How it Works (stateexaminationsystem.org)

General information

Other New Hampshire mortgage licenses

• Exempt Mortgage Loan Originator Registration
• Mortgage Banker License
• Mortgage Banker License
• Mortgage Broker License
• Mortgage Loan Originator License
• Mortgage Servicer License
• All 8 New Hampshire licenses

Sourced from the NMLS/CSBS state licensing record, last updated October 29, 2025. Requirements change — confirm against the state agency before filing. Not legal advice.