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Mortgage licensing / North Dakota

North Dakota Residential Mortgage Lender Branch Registration

branch licence · NMLS NDRESLENDERREG_B · DFI

Any Residential Mortgage Lender Branch Office that is attempting to originate or broker loans in North Dakota. [Effective August 1, 2023] The registration should only be applied for by a company that also holds or is applying for a North Dakota Residential Mortgage Lender License. The residential address of an MLO can be registered as a branch for remote workers but may not be required. Please refer to the FAQs on the Department website, Frequently Asked Questions - Non-Depository | ND Department of Financial Institutions NDCC 13-12-05 – Every application or renewal for a residential mortgage lender license or branch registration must be made upon forms designed and furnished by the department of financial institutions and must contain any information which the department deems necessary and proper. A branch registration that constitutes a net branch or net branching arrangement is prohibited. The department may further require any applicant to provide additional information which is not requested on the application form.

Requirements (7)

  1. Step 1

    Other Trade Names: If this branch is 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 both the Branch Form (MU3) and the Company Form (MU1). North Dakota does not limit the number of other trade names. ND Trade Name/Assumed Name Registration Certificates must be submitted related to this change type under the Company Form (MU1) only.

    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).

  2. Step 2

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

    Submitted via: NMLS

  3. Step 3

    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

  4. Step 4

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

    Submitted via: Upload in NMLS: under the Document Type Credit Report Explanations in the Document Uploads section of the Individual Form (MU2). Titled: Credit Report Explanations – [Individual Name – Document Creation Date].

  5. Step 5

    Legal Name/Status Documentation: See the License Requirements and Fees Chart on the NMLS Resource Center for details related to this Requirement.

    Submitted via: Upload in NMLS: under the Document Type Legal Name/Status Documentation in the Document Uploads section of the Individual Form (MU2). Titled: [Document Name] (Ex. Driver’s License, Marriage Certificate, etc.).

  6. Step 6

    Lease Agreement Documents: Submit a copy of the signed lease agreement between the property owner and the branch authorizing it to work out of the physical location. The lease, sublease and written authorization to sublease from landlord should be included as applicable.

    Submitted via: Upload in NMLS: under the Document Type Branch Written Agreement in the Document Uploads section of the Branch Form (MU3). Titled: [Branch NMLS ID#] Leasing Agreement.

  7. Step 7

    Branch Manager: A branch manager must be designated for each licensed location.

General information

Who is required to have this license? Any Residential Mortgage Lender Branch Office that is attempting to originate or broker loans in North Dakota. [Effective August 1, 2023] The registration should only be applied for by a company that also holds or is applying for a North Dakota Residential Mortgage Lender License. The residential address of an MLO can be registered as a branch for remote workers but may not be required. Please refer to the FAQs on the Department website, Frequently Asked Questions - Non-Depository | ND Department of Financial Institutions NDCC 13-12-05 – Every application or renewal for a residential mortgage lender license or branch registration must be made upon forms designed and furnished by the department of financial institutions and must contain any information which the department deems necessary and proper. A branch registration that constitutes a net branch or net branching arrangement is prohibited. The department may further require any applicant to provide additional information which is not requested on the application form. Activities Authorized Under This License This license authorizes the following activities… • First mortgage brokering/lending • High cost home loans – broker/lender • Home equity lending/lines of credit – broker/lender • Lead generation – may vary based on details of activity • Reverse mortgage brokering/lending • Second mortgage brokering/lending Pre-Requisites for License Applications • None

Other North Dakota mortgage licenses

Sourced from the NMLS/CSBS state licensing record, last updated November 4, 2025. Requirements change — confirm against the state agency before filing. Not legal advice.

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