Florida Office of Financial Regulation Florida OFR Home Page
Division of Consumer Finance

Loan Originator

LO: Loan Originator – Chapter 494, Florida Statutes: The license is required for an individual who, directly or indirectly, solicits or offers to solicit a mortgage loan , accepts or offers to accept an application for a mortgage loan, negotiates or offers to negotiate the terms or conditions of a new or existing mortgage loan on behalf of a borrower or lender, or negotiates or offers to negotiate the sale of an existing mortgage loan to a non-institutional investor for compensation or gain. The term includes an individual who is required to be licensed as a loan originator under the S.A.F.E. Mortgage Licensing Act of 2008.

The term does not include an employee of a mortgage broker or mortgage lender whose duties are limited to physically handling a completed application form or transmitting a completed application form to a lender on behalf of a prospective borrower.

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

Application Requirements

Click here for the Mortgage Loan Originator License Application Checklist

  • Individual form filed through NMLS
  • Statutorily required application fee and guaranty fund fee
  • Completion of 20 hours of NMLS approved pre-licensure education course
  • Test score on both the National and Florida State components of the SAFE Test
  • FBI criminal history background check results
  • State criminal history background check results
  • Authorization of credit report

Application Fees

  • $329.25 Total
  • $195 Florida application fee
  • $20 Florida guaranty fund fee
  • $30 NMLS processing fee
  • $36.25 Federal criminal background check
  • $33 State criminal background check (Florida) to be paid to live scan vendor
  • $15 Credit report fee
  • *All fees are NON-REFUNDABLE

Renewing License

Click here for renewal information.


Click here for Licensing Forms.

OFR-494-09 - Mortgage Brokerage Deposit Account Form

OFR-494-13 - Declaration of Intent to Engage Solely In Loan Processing

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