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State Agency Licensing

Policies and Procedures to Meet State Mortgage Licensing Rules
Upload Regulator Request Here

State Regulators Requiring Quality Control Process for New and Existing Broker/Lender Licenses


As the dust from the credit crisis continues to fly, many states are placing higher barriers to entry for lender or broker approval.  The primary issue is control of employees - brokers and lenders must have written policies in place to show that employees understand ethical, correct practices in place.  
Our Broker, Lender or Wholesaler packages provide this.

  • Arizona - Policies and Procedures
  • California (DBO) - Business Plan, Loss Mitigation Plan, Written Policies and Procedures  
  • California (DRE Requirements) - Origination Policies and Procedures and Trust Account Management
  • Georgia - Lender Quality Control Policies and Procedures
  • Illinois - Quality Control Plan
  • Massachusetts - Policies and Procedures, Information Security/Red Flag
  • Maryland - Origination/Quality Control (Higher Cost)
  • Michigan - Quality Control Plan
  • Nevada - Complete Operation Policies and Procedures (Quality Control Plan)
  • New York - Policies and Procedures, Quality Control, Information Security & Cybersecurity, Fair Lending, 
  • North Carolina - Business Plan, Organizational Chart, Anti-Money Laundering Plan
  • Oregon - Responsible Person, Supervisory Plans
  • Pennsylvania - Employee Supervision - (Mortgage Act) and Origination/Underwriting (Repayment Ability)
  • Texas - Best Practices/Compliance Policies and Procedures
  • Utah - Principal Lending Manager/Reasonable Supervision
  • Washington - Written Supervisory Plan

State Audit/Examination Focus

Obviously, a lender or broker with a lot of complaints will face a stiff examination process.  Examination preparation is only part of the problem.  Auditors are now looking at marketing practices, and whether the lender or broker encourages Hybrid or Sub-Prime Applications. 

You must have procedures in place to document marketing, counteroffer and complaint resolution issues, among hundreds of others.  Our Origination Module details compliance with State Audit Guidelines.

Agencies/Investors Requiring Quality Control Process

  • FHA
  • FNMA
  • USDA (mirrors FHA)
  • FHLMC
  • VA
  • FDIC
  • OCC
  • NCUA

States

  • Alaska Division of Corporations, Business, and Professional Licensing
  • California Department of Real Estate Home Page
  • Connecticut Department of Banking
  • Department of Financial Institutions - Mortgage Broker, Lender and Servicer
  • georgia.gov - Mortgage Brokers & Lenders
  • Illinois Department of Financial and Professional Regulation
  • Iowa Division of Banking
  • kentucky Office of Financial Institutions - Nondepository Financial Institutions (Compliance) -
  • Maine Bureau of Consumer Credit Protection
  • Massachusetts Mortgage Loan Originators
  • Massachussetts Division of Banks - Office of Consumer Affairs and Business Regulation
  • Michigan
  • Minnesota Mortgage Originator And Service Licensing
  • Minnesota Mortgage Originators
  • Mississippi Department of Banking and Consumer Finance
  • Missouri Mortgage Brokers & Savings and Loan Associations
  • Montana
  • Nebraska Department of Banking and Finance
  • New York - Applications
  • North Carolina
  • Oklahoma
  • oregon rules
  • PA Bulletin, Doc. No. 09-1991PA DOB Mortgage Lenders-Brokers
  • Rhode Island Department of Business Regulation Banking & Securities Regulation
  • South Dakota Division of Banking
  • Tennessee Department of Financial Institutions - Mortgage Broker, Lender and Servicer
  • Utah Division of Real Estate
  • Massachussetts Division of Banks - Office of Consumer Affairs and Business Regulation
  • Virginia SCC - Bureau of Financial Institutions
  • New York DFS: Mortgage Industry Resources

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All material copyright 2006-2025 QuickStart Mortgage Manuals
  • Home
    • What Regulators Require
    • The CFPB and You
    • Why do I need Quality Control?
    • What is a Module?
    • What is a Template?
    • Get Free Update Notifications
    • About Us >
      • FAQs
      • Industry Blog
      • Mortgage Resources
      • Client List
      • Discount Codes
      • Free Sample Request Form
  • Policy/Procedure Manuals
    • Single Policies >
      • TRID-Integrated Disclosure Policy
      • Social Media Policy and Procedure
      • Vendor Management Policies and Procedures
      • MERS Quality Assurance (QA)
      • Ability to Repay Policy
      • Anti-Money Laundering/SAR Reporting
      • Fair Lending Plan
      • E-Sign Policy
      • FACTA/Information Security
      • Mortgage Compliance Policies
      • SAFE Act Policy Manual
      • Secondary Marketing Manual
      • Appraiser Independence Manual
      • HPML Appraisal Policy
      • Mortgage Business Plan
    • Quality Control Plan - Agency/Investor
    • Quality Control - Broker/Non-Delegated Corr
    • Mortgage Compliance Manual
    • Origination-Production Manual
    • Processing Policy and Procedure Manual
    • Underwriting Procedures/Credit Policy
    • Closing, Funding and Delivery
    • Mortgage Operations & Employee Manuals
    • Servicing Procedures
    • Sub-Servicing Management Manual
    • Wholesale/Broker TPO Manual
  • Complete Packages
    • Mortgage Banker/Lender Package
    • Correspondent/Broker Package
    • Compliance Pack for Lenders
    • Broker Compliance Package
    • Wholesale (TPO) Package
  • Services
    • Updates and Downloads
    • Agency Approval Services
    • Training Program Development >
      • Intranet Development
    • Audit Support >
      • New York State Audit
      • Pennsylvania State Audit
      • Nevada Audit Preparation
    • QC Audit Quote Request
    • Free Customization Offer >
      • Let Us Customize Your Product
    • Access Document Management