Required Documents by state
Documents required from the borrower at each loan milestone (application, disclosure, underwriting, closing) by state.
30 states covered. Select a state for the full answer and its citation.
| State | Required Documents |
|---|---|
| Arizona | Arizona does not require mortgage brokers to provide specific documents beyond federal TRID (TILA-RESPA) disclosures. However, for loans of $200,000 or less, the broker must obtain a signed written agreement containing an itemized list of e… |
| Arkansas | Arkansas requires a certification at or prior to closing, to be included in closing documents, that all transactions have been fully disclosed and fees documented on the HUD-1 or other settlement statement, and that no undisclosed split fee… |
| Colorado | Colorado requires mortgage loan originators to provide a Colorado Lock-in Disclosure within 3 business days after application receipt for transactions not under TRID, and re-disclose upon certain changes. A Dual Status Disclosure must be pr… |
| Connecticut | At the time of first mortgage loan application, a mortgage lender must provide a written disclosure if mortgage insurance is required, stating its purpose, that it is required, conditions for release, and an estimate of initial and monthly… |
| Delaware | Delaware requires mortgage loan brokers to provide a written agreement describing services and fees, signed before any nonrefundable fees (except credit report) are paid, with a copy to the borrower at signing. Licensed lenders must furnish… |
| District of Columbia | DC requires a financing agreement delivered at least 72 hours before closing for all 1-4 family home loans, and for non-conventional mortgage loans, a special written disclosure form must be provided within 3 business days of application, i… |
| Georgia | Georgia requires mortgage lenders and brokers to provide, in addition to the federal Loan Estimate and Closing Disclosure, the following written disclosures: (1) prior to acceptance of any fee, the amount of the fee, whether it is refundabl… |
| Illinois | Illinois requires a Borrower Information Document delivered before the applicant signs a completed application or gives any consideration. The document must include: Regulatory Disclosure Statement, significant information affecting process… |
| Kansas | Kansas requires loan brokers to provide a written disclosure document at least seven days before the borrower signs a contract or pays any consideration, containing specific information such as broker identity, services, financial statement… |
| Kentucky | Kentucky requires mortgage lenders and brokers to disclose all fees paid or collected on the Closing Disclosure, clearly identifying the recipient of each fee. Additionally, any ownership or control of settlement service providers must be d… |
| Louisiana | Louisiana requires mortgage brokers to provide a written residential mortgage loan brokerage contract signed by all parties, and a 'Mortgage Loan Origination Agreement' (or incorporate it into the contract) no later than three days after th… |
| Maine | For high-cost or higher-priced mortgage loans, the creditor must provide a reasonable tangible net benefit disclosure form prior to or upon making the loan, signed by both parties. Additionally, the unique identifier of any person originati… |
| Maryland | A mortgage lender or broker must provide a financing agreement to the borrower. However, this requirement does not apply if the loan closes or the borrower receives a written commitment within 10 business days after initial application. |
| Massachusetts | Massachusetts requires mortgage lenders or brokers to provide legible copies of the mortgage deed, promissory note, and settlement statement at or before closing (940 CMR 8.05(4)). No additional state-specific documents are mandated at appl… |
| Michigan | Michigan requires lenders to provide the federal RESPA special information booklet (or a state-prepared equivalent if the federal booklet is unavailable) to the applicant at the time of application. No additional state-specific documents ar… |
| Minnesota | Minnesota requires mortgage originators not acting as the borrower's agent to provide a specific non-agency disclosure within three business days of accepting a residential mortgage loan application. The disclosure must be a separate 8.5x11… |
| Mississippi | Mississippi requires lenders/brokers to provide a Good Faith Estimate within 3 working days of application (with a signed acknowledgment if hand-delivered), an ECOA disclosure within 3 days, a Mortgage Origination Agreement under § 81-18-33… |
| Nebraska | For loan brokerage agreements, Nebraska requires a written disclosure statement containing specific information (e.g., broker details, services, conditions of payment, background) and a cover sheet with mandated disclaimers, to be given to… |
| New Jersey | New Jersey requires a separate 'New Jersey Disclosures Form' (as described in Bulletin No. 10-17) that lists all applicable origination and settlement fees by category, with totals equal to the GFE blocks, and identifies which fees are refu… |
| New Mexico | In addition to federal disclosures, New Mexico requires: within 3 days of locking the loan rate, a revised Good Faith Estimate and a copy of the borrower's lock-in agreement; at least 2 days before closing, a written disclosure of total com… |
| New York | For acquisition loans or loans with commitment fees/points, lenders must provide a written commitment at the time of commitment (prior to fee acceptance) that includes loan terms, commitment terms, a mandatory disclaimer, and a list of cond… |
| Ohio | At closing, Ohio requires a specific notice (Appendix A to Ohio Admin. Code 109:4-3-23) that must be provided in duplicate, in at least 14-point type, signed and dated by the consumer before signing any other closing document. The supplier… |
| Oklahoma | Under Oklahoma law, a mortgage broker or loan originator must provide the disclosures required by RESPA and Regulation X upon receipt of a loan application and before taking any money from the borrower. If the loan does not close, the broke… |
| Pennsylvania | Pennsylvania requires licensees to provide a state-specific disclosure form (prescribed by the Department) to the applicant no later than three business days after application, covering escrow, rate lock, variable rate, prepayment penalty,… |
| Rhode Island | Rhode Island requires mortgage lenders to provide specific disclosure forms beyond federal requirements: (1) Forms 1 and 2 within 3 days of application; (2) Form 3 (Tangible Net Benefit) for refinances of loans consummated within the prior… |
| South Carolina | South Carolina requires mortgage brokers/originators to provide a complaint agency disclosure at application (S.C. Code § 37-23-70(D)). For high-cost home loans, a detailed broker compensation disclosure (yield spread premium, points, fees)… |
| Utah | For high-cost mortgages, if points and fees exceed 8% of the loan amount, lenders must provide specific disclosures at least three business days before consummation (Utah Code § 61-2d-105). Additionally, at closing (or within three business… |
| Vermont | Vermont requires lenders to issue a commitment letter for every mortgage loan. The commitment letter must be delivered at least three business days before closing and include detailed terms such as borrower name, property address, loan type… |
| Virginia | Virginia requires mortgage lenders to provide a settlement statement and a Reg Z disclosure to the borrower prior to closing (§ 6.2-1615). Additionally, a mortgage broker who also acts as a real estate broker or salesperson must conspicuous… |
| Washington | Within three business days of receiving a loan application, mortgage brokers or loan originators must provide a written disclosure itemizing all fees and costs, including APR, finance charge, amount financed, payment schedule, points, varia… |
Other state comparisons
- Prepayment Penalty Rules by state (44 states)
- Disclosure Requirements by state (38 states)
- Permissible Fees by state (17 states)
- High-Cost Thresholds by state (3 states)
Researched and verified against primary sources by AI, with the controlling citation shown on every answer. Not human-reviewed and not legal advice — confirm against the cited source before relying on it.