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Office of the Commissioner of Financial Regulation

 

Mortgage Lenders, Brokers and/or Servicers

 

If you intend to conduct mortgage lending, brokering and/or servicing in the State of Maryland, unless exempt, you must apply for and obtain a Mortgage Lender license. The Commissioner of Financial Regulation uses NMLS, a nationwide licensing system, to manage Mortgage Lender applicants and licensees.

Nationwide Mortgage Licensing System (NMLS)

  • New Applicants - ALL new license applicants MUST initiate applications through the NMLS. Proceed to NMLS.
    Please note new license requests must be submitted through the NMLS, but supporting documentation must be sent to the Maryland Office of the Commissioner of Financial Regulation.
     
  • Renewing Licensees - You must renew your license on the NMLS during the renewal period – November 1st through December 31st. Proceed to NMLS. Please note renewal requests must be submitted through the NMLS, but supporting documentation must be sent to the Maryland Office of the Commissioner of Financial Regulation.
 

Quick Links

 

Featured Information


Applications and Forms

Apply for a Maryland Mortgage Lender License - Forms MU1 and/or MU3 (Login to NMLS)
Amendments (Change Control, Change of Address) (Login to NMLS)
Surety Bond Form (Word document, 35KB, download Word viewer for free)
Secondary Mortgage Commercial Loan Disclosure (Word document, 39KB, download Word viewer for free)
Required Notice of Housing Counseling Programs and Services Form that Lender Must Provide to Borrower (PDF, from the Maryland Department of Housing and Community Development (DHCD), download Adobe Acrobat for free)


Laws and Rules

Applicants and licensees are expected to be knowledgeable about and in compliance with the Mortgage Lender Law, and any other applicable state or federal statutes and regulations.

Note: To access the Maryland Code Annotated, from the link below, select the “Maryland Code” folder, then select the individual folders or links provided to delve into the volumes, chapters, and/or sections of the publication.

Maryland Code Annotated, Financial Institutions § 11-501 et seq. (Maryland Mortgage Lender Law)
Maryland Code Annotated, Financial Institutions § 11-601 et seq. (Maryland Mortgage Originator Law)
Maryland Code Annotated, Financial Institutions § 12-801 et seq. (Maryland Loans - Finder's Fee Law)
Maryland Code Annotated, Financial Institutions § 12-125 (Maryland Financing Agreements Law)
COMAR 09.03.06 Mortgage Lenders
COMAR 09.03.10 Credit and Other Regulation
COMAR 09.03.11 Recordation of Security Instruments for Residential Property
COMAR 09.03.12 Foreclosure Procedures for Residential Property


Resources

NMLS Getting Started Guide
Work Flows & Quick Guides
NMLS Tutorials and Navigation Guides
Upcoming Training & Workshops
NMLS News & System Alerts

 
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