Missouri Company License
Missouri is one of the few states that requires an in-state presence depending on your business activities. If you are conducting origination activities and your company is headquartered outside of the state, you will need to obtain an in-state MO licensed location that will need to be staffed by at least one licensed MLO. The In-state presence is not required for companies headquartered outside of the state if you are a Lead Generator, Processing or Severing only company. Surety bond in the amount of $50,000 is required no matter your business activities. Named Qualified Individual is not needed for this application.
| State | License Name | State Fee | Bond Premium Est. | SOS Fee | MLG Processing Fee | Total |
| Missouri | Company License | $1,020 | $375 | $231 | Call for More Information | $1,626 |
License: Company License
- Operating Status: Lender/Broker/Servicer
- Bond Amount: $50,000
- Net Worth: N/A
- Brick & Mortar: Yes (Depending on your Business Activities)
- Financial Type: N/A
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Company License
Named Qualified Individual is not needed for this application. If headquarters is not inside MO – you must maintain a in-state MO licensed location staffed by at least one licensed MLO for any origination activity. In-state presence is not required for companies headquartered outside of the state if you are a Lead Generator, Processing or Severing only company. Surety bond in the amount of $50,000 is required no matter your business activities.
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**Fees & terms are subject to change without notice.**
Obtaining a Missouri mortgage broker license involves several state-specific requirements, particularly regarding physical presence and company structure.
Missouri is one of the few states that may require an in-state licensed location, depending on your business activities. If your company is headquartered outside Missouri and will engage in mortgage loan origination, you must establish and maintain a Missouri-licensed in-state office. That location must be staffed by at least one licensed Mortgage Loan Originator (MLO). This in-state requirement applies only to companies that originate residential mortgage loans.
If your company is headquartered outside Missouri and will operate solely as a lead generator, processor, or servicer—and will not originate loans—Missouri does not require you to maintain an in-state office.
Missouri does not require a Named Qualified Individual (QI) on the mortgage broker license application. However, if your company is required to maintain a Missouri in-state licensed location for origination activities, the individual designated as the Qualified Individual for that license must be the person physically located at and responsible for the Missouri office. In other words, when an in-state location is required, the QI must be the in-state individual overseeing that licensed location.
All applicants must maintain a surety bond as part of the application process, regardless of business model. Additional licensing steps include submitting formation documents, providing control-person disclosures, completing background checks, and filing all required forms through the NMLS.
By understanding Missouri’s in-state office requirements, bonding obligations, and how the QI role applies when an in-state location is required, companies can navigate the mortgage broker licensing process more efficiently.