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Division of Consumer Finance

Mortgage Lender and Branches

ML: Mortgage Lender – Chapter 494, Florida Statutes: This license is required for an entity making a mortgage loan for compensation or gain, directly or indirectly, or selling or offering to sell a mortgage loan to a noninstitutional investor.

"Making a mortgage loan" means closing a mortgage loan in a person's name, advancing funds, offering to advance funds, or making a commitment to advance funds to an applicant for a mortgage loan.

Mortgage Lender Servicer: The mortgage lender servicing license is required for any mortgage lender licensee who services a mortgage loan.

"Servicing a mortgage loan" means to receive, cause to be received, or transferred for another, installment payments of principal, interest, or other payments pursuant to a mortgage loan.

The servicing license authorizes a mortgage lender to service a loan for more than 4 months.

MLB: Mortgage Lender Branch – Chapter 494, Florida Statutes: This license is required for mortgage lender licensees who conduct business at locations other than their principal place of business:

  1. The address of which appears on business cards, stationery, or advertising used by the licensee in connection with business conducted under this chapter;
  2. At which the licensee's name, advertising or promotional materials, or signage suggests that mortgage loans are originated, negotiated, or funded;
  3. At which mortgage loans are originated, negotiated, or funded by a licensee.

Mortgage Lender Servicer Branch: This license is required for mortgage lender servicer licensees who conduct business at locations other than their principal place of business:

  1. The address of which appears on business cards, stationery, or advertising used by the licensee in connection with business conducted under this chapter;
  2. At which the licensee's name, advertising or promotional materials, or signage suggests that mortgage loans are serviced; or
  3. At which mortgage loans are serviced by a licensee.

Application Requirements and License Maintenance

All mortgage license applications, amendments and renewal filings must now be filed through Nationwide Mortgage Licensing System and Registry (NMLS).

  • To apply, renew or manage a license, click here
NMLS

Mortgage Lender Application Requirements

Click here for the Mortgage Lender License Application Checklist

Renewing License

Click here for renewal information.

Forms

Click here for Licensing Forms.

OFR-494-09 - Mortgage Brokerage Deposit Account Form

OFR-494-10 - Transaction and Lending Journal

OFR-494-12 - Noninstitutional Investor’s Funds Account Form

Statutes and Rules

Chapter 494, Florida Statutes – Loan Originators and Mortgage Brokers

Rule 69V-40, Florida Administrative Code – Mortgage Brokerage

Form OFR-494-14 – Disciplinary Guidelines for Mortgage Loan Originators and Mortgage Entities