Florida Mortgage Broker License, Mortgage Lender License & Mortgage Lender Servicer License
Note to branches: Each location will need a FL branch license that correlates with the license the company holds to conduct business with FL consumers. Branch application depends on which applicable company FL licensure you hold. FL branch applications are very simple and not very costly.
| State | License Name | State Fee | Bond Premium Est. | SOS Fee | MLG Processing Fee | Total |
| Florida | Mortgage Broker License | $545 | N/A | $201 | Call for More Information | $746 |
| Florida | Mortgage Lender License | $620 | N/A | $201 | Call for More Information | $821 |
| Florida | Mortgage Lender/Servicer License | $620 | N/A | $201 | Call for More Information | $821 |
License: Mortgage Broker License
- Operating Status: Broker
- Bond Amount: $0
- Net Worth: $0
- Brick & Mortar: No
- Financial Type: N/A
License: Mortgage Lender License
- Operating Status: Broker/Lender
- Bond Amount: $0
- Net Worth: $63,000
- Brick & Mortar: No
- Financial Type: Audited
License: Mortgage Lender Servicer License
- Operating Status: Broker/Lender/Servicer
- Bond Amount: $0
- Net Worth: $250,000
- Brick & Mortar: No
- Financial Type: Audited
Mortgage Broker License Florida
Florida has a relatively low state application fee and simple application. There is no bond requirement for FL. Qualified Individual needs to be a licensed FL MLO with at minimum 1 year of experience. Each control person of the company will need to get a FL state specific criminal background check completed.
Florida Mortgage Lender License
Obtaining a Florida Mortgage Lender License has a relatively low state application fee and simple application. There is no bond requirement for FL. Qualified Individual needs to be a licensed FL MLO with at minimum 1 year of experience. Company would need Audited Financial Statement for the most recent fiscal year that shows a net worth of at least $63,000.
For more information or to speak to a representative for your state
call us today at 866-576-7726
**Fees & terms are subject to change without notice.**
To operate as a mortgage broker or lender in Florida, companies must be licensed through the Nationwide Multistate Licensing System (NMLS) and regulated by the Florida Office of Financial Regulation. Florida offers three primary company license types: Mortgage Broker License, Mortgage Lender License, and Mortgage Lender-Servicer License—each with specific compliance requirements.
Mortgage Broker License: Florida does not require a surety bond or net worth for brokers. However, each company must designate a Qualified Individual who is a licensed Florida Mortgage Loan Originator (MLO) with at least one year of industry experience. All control persons must pass state-specific criminal background checks.
Mortgage Lender License: In addition to broker requirements, Florida mortgage lenders must submit audited financial statements demonstrating a minimum net worth of $63,000.
Mortgage Lender-Servicer License: This license allows companies to both originate and service mortgage loans in Florida. Applicants must meet all lender requirements, including the $63,000 net worth, and also comply with additional servicing-related obligations under Florida law. This includes maintaining accurate loan records, following state servicing guidelines, and submitting applicable reports to the Office of Financial Regulation.
Application Process: Licensing involves submitting the NMLS application, paying applicable fees, and completing fingerprinting, background checks, and credit reports for all control persons.
Renewals & Ongoing Compliance: Florida mortgage broker, lender, and lender-servicer licenses expire annually on December 31. Renewal requires submitting updated fingerprints, credit reports, and quarterly Mortgage Call Reports through NMLS to maintain active status.