Pennsylvania Mortgage Broker License, Mortgage Lender License & Mortgage Servicer License
Pennsylvania has net worth requirement for the Mortgage Lender and Mortgage Servicer License of $250K, where as the Broker does not require a net worth amount to be met/maintained. While Pennsylvania doesn’t require audited financials, they are required if they are available but at minimum Certified Financials must be provided. All licenses require a named QI that must be management level and at the corporate office. Although the QI is not required to hold a PA MLO license the QI is required to complete all testing and education requirements required for a PA MLO. For this reason most QI do obtain the PA MLO license.
| State | License Name | State Fee | Bond Premium Est. | SOS Fee | MLG Processing Fee | Total |
| Pennsylvania | Mortgage Broker | $1,120 | $375 | $345 | Call for More Information | $1,840 |
| Pennsylvania | Mortgage Lender | $1,620 | $750 | $345 | Call for More Information | $2,715 |
| Pennsylvania | Mortgage Servicer License | $2,620 | $3,750 | $345 | Call for More Information | $6,715 |
License: Mortgage Broker License
- Operating Status: Broker
- Bond Amount: $50,000
- Net Worth: N/A
- Brick & Mortar: No
- Financial Type: Certified
License: Mortgage Lender License
- Operating Status: Lender/Broker
- Bond Amount: $100,000
- Net Worth: $250,000
- Brick & Mortar: No
- Financial Type: Certified
License: Mortgage Servicer License
- Operating Status: Servicer
- Bond Amount: $500,000
- Net Worth: $250,000
- Brick & Mortar: No
- Financial Type: Certified
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**Fees & terms are subject to change without notice.**
In Pennsylvania, mortgage broker licensing is regulated by the Department of Banking and Securities (DoBS) and processed through the Nationwide Multistate Licensing System (NMLS). Companies engaging in arranging loans secured by residential property must obtain a Pennsylvania Mortgage Broker License, while separate licenses apply for lenders and servicers.
Applicants must appoint a Compliance Officer or Qualified Individual (QI) at the corporate office with sufficient industry experience and management authority. The QI is not required to hold a Pennsylvania mortgage loan originator (MLO) license, but must complete the same education and testing requirements as an MLO—leading many to obtain the license as well.
Pennsylvania requires surety bonds for all license types. A net worth requirement applies only to Mortgage Lender and Mortgage Servicer Licenses ($250,000 minimum), while the Mortgage Broker License does not carry a net worth standard. Applicants must also provide financial statements—certified statements are required, and audited financials must be submitted if available.
The state places strong emphasis on consumer protection, requiring documented policies on Anti-Money Laundering (AML), data security, and advertising practices. Although a physical office in Pennsylvania is not required, licensees must maintain organized records that can be promptly produced for regulatory review.