Mortgage licensing / Oklahoma

Oklahoma Mortgage Lender License

company licence · NMLS OKLENDER_C · DCC

Requirements (11)

1. Step 1

   Financial Statements: See the License Requirements and Fees Chart on the NMLS Resource Center for details related to this Requirement. Upload an audited financial statement prepared by a Certified Public Accountant in accordance with Generally Accepted Accounting Principles dated within 90 days of your fiscal year end. Financial statements should include a balance sheet, income statement, and statement of cash flows and all relevant notes thereto. If applicant is a start-up company, only an initial statement of condition is required.

   Submitted via: NMLS

2. Step 2

   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). Important – A separate license is no longer required for the use of multiple trade names. Oklahoma allows up to 10 trade names per license. Each additional trade name used by a licensee shall be registered with the Department by completing an MU1 for a Lender Name Registration - Other Trade Name through NMLS and paying the $150.00 registration fee. The licensee should upload a file-stamped copy of the Trade Name/Fictitious Name Certificate from the Oklahoma Secretary of State. Oklahoma SAFE Act - 59 O.S. § 2095.6(K)(11)

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

3. Step 3

   Resident/Registered Agent: The Resident/Registered Agent must be listed under the Resident/Registered Agent section of the Company Form (MU1)

   Submitted via: NMLS

4. Step 4

   Qualifying Individual: This individual must be listed in the Qualifying Individual section of Company Form (MU1). The Qualifying Individual must be licensed as a mortgage loan originator or applying for a mortgage loan originator license in the state of Oklahoma.

   Submitted via: NMLS

5. Step 5

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

   Submitted via: NMLS

6. Step 6

   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. Criminal Disqualification: Please note that criminal offenses may be used as a basis for denial. You may request a determination whether or not your criminal background may disqualify you from obtaining a licensing pursuant to 59 O.S. § 4000.1 (F). To see a list of criminal offenses that may be used as a basis for a denial of licensure, please visit: https://www.ok.gov/okdocc/ After authorizing an FBI criminal background check through the submission of the Company Form (MU1) and Individual Form (MU2), you must schedule an appointment to be fingerprinted if new prints are required. See the Criminal Background Check section of the NMLS Resource Center for more information.

   Submitted via: NMLS

7. Step 7

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

   Submitted via: 1. Electronic Surety Bond in NMLS Or; 2. Upload in NMLS

8. Step 8

   Certificate of Authority/Good Standing Certificate: Upload a State-issued and approved document issued by the Oklahoma Secretary of State’s office, dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business in the State of Oklahoma. This document should be named [OK Certificate of Authority OR OK Certificate of Good Standing].

   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).

9. Step 9

   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. Sole Proprietor • Trade Name Report issued by the Oklahoma Secretary of State. 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. Trust (Statutory) • Certificate of Trust; and • Governing instrument (all amendments)

   Submitted via: Upload in NMLS: under the Document Type Formation Document in the Document Uploads section of the Company Form (MU1). This document should be named Formation Documentation [Date of Creation (MM-DD-YYYY)].

10. Step 10

    Primary Contact Employees: The following individuals must be entered into the Contact Employees section of the Company Form (MU1). • Primary Company Contact. • Primary Consumer Complaint Contact.

    Submitted via: NMLS

11. Step 11

    Disclosure Questions: Provide a complete and detailed explanation and document upload for each “Yes” response to Disclosure Questions made by the company or related control persons (MU2). See the Company Disclosure Explanations Quick Guide for instructions.

    Submitted via: Upload in NMLS in the Disclosure Explanations section of the Company Form (MU1) or Individual Form (MU2).

General information

Other Oklahoma mortgage licenses

• Mortgage Broker License
• Mortgage Loan Originator License
• All 3 Oklahoma licenses

Sourced from the NMLS/CSBS state licensing record, last updated October 23, 2025. Requirements change — confirm against the state agency before filing. Not legal advice.