Sample cited fee
- Mortgage banker, original license 1 $3,000.00
- New York Department of Financial Services. Retrieved 29 August 2026. One cited component, not a filing total.
Mortgage lender license cost
How much a mortgage license costs depends on the filing. A company lender license filed through NMLS includes $120.00 per agency / per license for company processing, cited to the NMLS processing fees schedule. New York's mortgage banker original license is $3,000.00, cited to the New York Department of Financial Services. Every other state application fee stays blank. Cornerstone Licensing quotes the service charge separately.
Company lines this file can cite: NMLS initial processing $120.00 per agency / per license, NMLS annual processing $120.00 per agency / per license, New York mortgage banker $3,000.00, New York mortgage broker registration $1,500.00, New York mortgage loan servicer registration $3,000.00. Individual originator lines: SAFE national test $110.00 per exam, NMLS individual processing $35.00 per agency / per license, criminal background check $36.25 per request, credit report $15.00 per request, New York mortgage loan originator $250.00. Course prices are not in this file.
What the mortgage license cost includes
Three separate cases. This page does not add them into one price, and it does not print a state fee that is not in the file.
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Company lender license
NMLS company initial processing is $120.00 per agency / per license. Annual processing is $120.00 per agency / per license. Both are cited to the NMLS processing fees schedule. The state application fee is extra.
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State application fee
New York is the only state with mortgage company fees in this file. Mortgage banker original license $3,000.00. Mortgage broker original registration $1,500.00. Mortgage loan servicer original registration $3,000.00. The New York mortgage receipt lists the branch lines too.
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Individual originator license
SAFE MLO national test $110.00 per exam. NMLS individual initial processing $35.00 per agency / per license. Criminal background check $36.25 per request. Credit report $15.00 per request. New York mortgage loan originator original license $250.00. Pre-licensing course prices are not in this file.
New York mortgage fees this file can cite
| Published fee | When it applies | Source | Amount |
|---|---|---|---|
| Mortgage banker, original license New York Banking Law § 591.2 | As stated by the cited regulator or NMLS page. | New York Department of Financial Services | $3,000.00 |
| Mortgage banker, branch license New York Banking Law § 591.3 | As stated by the cited regulator or NMLS page. | New York Department of Financial Services | $500.00 |
| Mortgage broker, original registration New York Banking Law § 591-a | As stated by the cited regulator or NMLS page. | New York Department of Financial Services | $1,500.00 |
| Mortgage broker, branch New York Banking Law § 591-a.2 | As stated by the cited regulator or NMLS page. | New York Department of Financial Services | $500.00 |
| Mortgage loan originator, original license New York Banking Law § 599-d | As stated by the cited regulator or NMLS page. | New York Department of Financial Services | $250.00 |
| Mortgage loan servicer, original registration New York Banking Law § 590.2(b-1) | As stated by the cited regulator or NMLS page. | New York Department of Financial Services | $3,000.00 |
New York amounts are from the New York Department of Financial Services application fee schedule, retrieved 29 August 2026. The other 49 states have no sourced mortgage application amount here. Open a state receipt below, or the NMLS License Requirements and Fees Chart.
Cited NMLS and state mortgage-company fees. Individual MLO testing fees appear when NMLS publishes them.
NMLS fees on a mortgage filing
These processing lines apply when the mortgage license is filed through NMLS. They are not the state application fee, and they are not a course price.
Nationwide fees this file can cite
| Published fee | When it applies | Source | Amount |
|---|---|---|---|
| NMLS company initial set-up / application processing per agency / per license | Each new or transitioned company license filed through NMLS (Form MU1). | Nationwide Multistate Licensing System (CSBS / SRR) | $120.00 |
| NMLS company annual processing per agency / per license | Each annual renewal request filed through NMLS. | Nationwide Multistate Licensing System (CSBS / SRR) | $120.00 |
| NMLS branch initial set-up / application processing per agency / per license | Each new or transitioned branch license filed through NMLS (Form MU3). | Nationwide Multistate Licensing System (CSBS / SRR) | $25.00 |
| NMLS branch annual processing per agency / per license | Each annual branch renewal request filed through NMLS. | Nationwide Multistate Licensing System (CSBS / SRR) | $25.00 |
| NMLS individual initial set-up / application processing per agency / per license | Each new or transitioned individual license filed through NMLS (Form MU4). | Nationwide Multistate Licensing System (CSBS / SRR) | $35.00 |
| NMLS individual annual processing per agency / per license | Each annual individual renewal request filed through NMLS. | Nationwide Multistate Licensing System (CSBS / SRR) | $35.00 |
| NMLS criminal background check per request | Livescan or print-card capture. Charged once per filing regardless of how many licenses are in that filing. Print cards add a $10 card packet fee. | Nationwide Multistate Licensing System (CSBS / SRR) | $36.25 |
| NMLS credit report per request | Charged when NMLS does not already have a credit report less than 30 days old. Single charge per filing. | Nationwide Multistate Licensing System (CSBS / SRR) | $15.00 |
| NMLS credit-card service fee per card transaction | Visa or Mastercard payments through NMLS. ACH has no added service fee. | Nationwide Multistate Licensing System (CSBS / SRR) | 2.5% of the card charge |
| SAFE MLO National Test component per exam | NMLS-published testing fee for the national component. State-content or retake rules are on the NMLS test page. | Nationwide Multistate Licensing System (CSBS / SRR) | $110.00 |
State application fees are on each state page when a statute or regulator schedule publishes them. Otherwise open the official NMLS fee chart.
All 50 states
Open a state to read its cited lines. A number in the directory is one cited state line from that page. A blank means this file has no sourced state amount.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York $3,000.00
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Before you file
The cost stack is the cited state fee, NMLS processing when the license uses NMLS, and a Cornerstone Licensing quote for the service charge.
What the cost page covers
Cost stack: NMLS company/branch/individual processing, SAFE national test, and published state mortgage-company fees. The regulator and the NMLS checklist keep the license requirements and the processing clock.
Where the fees are paid
NMLS company initial set-up is $120.00 per agency / per license, cited to the NMLS processing fees schedule. State pages name the regulator that publishes any state amount in this file.
What the service quote covers
Cornerstone Licensing quotes the service charge for this family. The public site lists multi-state licensing, surety bonds, insurance, registered agent, and Atlas tracking for financial-services firms. There is no public price list for these four families.
Provider compare
Cornerstone Licensing is the quote path. The table records published price-list status, scope, and track record.
| Path | Public price list for these licenses | Published scope | Published figures | Next step |
|---|---|---|---|---|
| DIY | No service fee. You pay government and NMLS fees directly. | You file with the state agency or NMLS yourself. | Not a vendor. | Read the DIY stack |
| LegalZoom | Publishes formation and some general-business prices. No public price list for ARM, lending, money-transmitter, or mortgage company licenses. | Public site focuses on entity formation, trademarks, and general legal documents. | Public company. See investor materials for corporate history. | See the full table |
| Harbor Compliance | No public per-state price list for these four financial-license families. | Public site markets multi-state licensing and registered-agent services. | Not restated here. Use the provider’s own published figures. | See the full table |
| Cornerstone Licensing | No public price list. Quote only. | Public site lists multi-state licensing, surety bonds, insurance, registered agent, and Atlas tracking for financial-services firms. | 28 years, 525,000+ filings, 99.995% on-time filing rate, as published on cornerstonelicensing.com. | Get a quote |
Service-dollar ranges are omitted on purpose. If a firm does not publish a price, LicenseStore will not invent one. See sources.
Mortgage license cost questions
Company lender fees and individual originator fees stay on separate lines. A state amount appears only when this file cites it. Cornerstone Licensing quotes the service charge.
How much does a mortgage license cost?
It depends on the filing. A company lender license filed through NMLS includes the company initial processing fee of $120.00 per agency / per license. This file cites New York company fees: mortgage banker original license $3,000.00, mortgage broker original registration $1,500.00, and mortgage loan servicer original registration $3,000.00. An individual originator license is separate. This file cites the SAFE MLO national test at $110.00, NMLS individual initial processing at $35.00 per agency / per license, the criminal background check at $36.25 per request, and the credit report at $15.00 per request. New York's mortgage loan originator original license is $250.00. Pre-licensing course prices are not in this file.
What is the mortgage lender license cost?
The cited NMLS company line is $120.00 per agency / per license to start and $120.00 per agency / per license at renewal. The state application fee is a separate line. New York's mortgage banker original license is $3,000.00, cited to the New York Department of Financial Services application fee schedule under New York Banking Law § 591.2. Other state lender application fees are not in this file.
Does this page add those lines into one mortgage license price?
No. NMLS processing, the state application fee, the SAFE test, and a background check stay on separate lines. This page does not estimate an education course, a bond premium, or a state fee it cannot cite.
Where are the other state mortgage fees?
Forty-nine states have no sourced mortgage-company application amount in this file. Each state page still lists the NMLS lines and links the regulator and the NMLS License Requirements and Fees Chart. A blank means the amount is not in this file.
Who quotes the service charge?
Cornerstone Licensing quotes the service charge for a mortgage company filing. That quote is not an NMLS fee and it is not a state application fee.
Get the service charge in writing.
LicenseStore.com prices the government fees. Cornerstone Licensing quotes the service charge for ARM, lending, money transmitter and mortgage licenses.
