Florida Mortgage Loan Originator License Instructions printable pdf download

New Application

Jurisdiction-Specific Requirements

FLORIDA MORTGAGE LOAN ORIGINATOR LICENSE

Instructions

1. Form MU4. Each individual shall apply for a Loan Originator license by submitting a form

MU4 through NMLS.

2. Filing Requirements. Upon receipt of the following, the Florida Office of Financial Regulation will

consider a Loan Originator application received and begin reviewing the application:



Form MU4 filed through NMLS



Statutorily required application fee and guaranty fund fee ($195 + $20)



Pre-Licensure Education: Completion of 20 hours of NMLS approved pre-licensure education

course , of which a minimum of 2 hours shall cover the provisions of Florida Law and Rules



Testing: Must satisfy one of the following three conditions:

1. Passing results on both the National and Florida State components of the SAFE Test, or

2. Passing results on both the National and Stand-alone UST components of the SAFE Test, or

3. Passing results on the National Test Component with Uniform State Content



FBI criminal history background check results



State criminal history background check results



Authorization for a credit report

The Florida Office of Financial Regulation will not begin its review of an application until all the

items listed above have been received. Once an application has been deemed received, the

NMLS status will change from “Pending-Incomplete” to “Pending-Review”. Once the status has

been changed to “Pending-Review” the application will be reviewed and deficiencies will be

added as license items in NMLS.

3. High School Education Requirement. Upload high school information via a PDF document to the

Verification of Experience section via Document Uploads section of the MU4. On the document

provide; your name, your NMLS ID number, name of school and the date the high school diploma, or

its equivalent, was received (a copy of the diploma is not required).

4. Age Requirement. A loan originator license will not be granted to an individual under the age of 18.

5. State Criminal Background Check. In addition to the FBI Criminal Background Check, submit

fingerprints to a Live Scan Service Provider, approved by the Florida Department of Law Enforcement

(FDLE), for submission to the FDLE for a STATE ONLY criminal background check; please provide

ORI Number: FL737111Z to the Live Scan Provider for proper submission to FDLE. A list of approved

Live Scan Service Providers is available on the

FDLE’s

website. Please note, the list contains many

national Live Scan Providers, as well as providers with hard scan capabilities if you are not able to find

a provider in your area.

This requirement is separate from the FBI Criminal Background Check

referenced

below.

Resubmission of the prints for the state criminal background check may be required if incorrect

information (social security number, date of birth, etc.…) is provided to the Live Scan Service Provider.

Resubmission of prints will result in additional costs to the individual being reprinted.

Florida Mortgage Loan Originator License Instructions

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