Estimated Time - Lender
National Mortgage Lender
Estimated approval times for first mortgage lender licenses by state. Times shown represent the typical processing period after submission of a complete application to the state regulatory agency.
| # | State | License Type | Estimated Approval Time |
|---|---|---|---|
| 1 | AL | Mtg Lender | 45-60 DAYS |
| 2 | AK | Mtg Lender | 45-60 DAYS |
| 3 | AR | Mtg Lender | 45-60 DAYS |
| 4 | AZ | Mtg Lender | 60-90 DAYS |
| 5 | CA | Mtg Lender | 75-90 DAYS |
| 6 | CO | Mtg Lender | 45-60 DAYS |
| 7 | CT | 1st Mtg Lender | 45-60 DAYS |
| 8 | DC | Mtg Lender | 45-60 DAYS |
| 9 | DE | Mtg Lender | 60-90 DAYS |
| 10 | FL | Correspondent Lender | 45-60 DAYS |
| 11 | GA | Mtg Lender | 60-90 DAYS |
| 12 | HI | Mtg Lender | 60-90 DAYS |
| 13 | IA | Mtg Lender | 30-45 DAYS |
| 14 | ID | Mtg Lender | 30-45 DAYS |
| 15 | IL | Mtg Lender | 60-90 DAYS |
| 16 | IN | Mtg Lender | 30-45 DAYS |
| 17 | KS | Mtg Lender | 30-45 DAYS |
| 18 | KY | Mtg Lender | 45-60 DAYS |
| 19 | LA | Mtg Lender | 45-60 DAYS |
| 20 | MA | Mtg Lender | 60-90 DAYS |
| 21 | MD | Mtg Lender | 60-75 DAYS |
| 22 | ME | Mtg Lender | 30-45 DAYS |
| 23 | MI | 1st Mtg. Lender | 75-90 DAYS |
| 24 | MN | Mtg Lender | 30-45 DAYS |
| 25 | MO | Mtg Lender | 60-75 DAYS |
| 26 | MS | Mtg Lender | 60-75 DAYS |
| 27 | MT | Mtg Lender | 45-60 DAYS |
| 28 | NC | Mtg Lender | 75-90 DAYS |
| 29 | ND | Mtg Lender | 30-45 DAYS |
| 30 | NE | Mtg Lender | 30-45 DAYS |
| 31 | NH | Mtg Lender | 75-90 DAYS |
| 32 | NJ | 1ST Mtg Lender | 90-105 DAYS |
| 33 | NM | Mtg Lender | 30-45 DAYS |
| 34 | NV | Mtg Lender | 120-180 DAYS |
| 35 | NY | Mtg Lender | 120-180 DAYS |
| 36 | OH | Mtg Lender | 90-105 DAYS |
| 37 | OK | Mtg Lender | 60-75 DAYS |
| 38 | OR | Mtg Lender | 30-45 DAYS |
| 39 | PA | 1ST Mtg Lender | 60-75 DAYS |
| 40 | RI | Mtg Lender | 60-75 DAYS |
| 41 | SC | Mtg Lender | 60-75 DAYS |
| 42 | SD | Mtg Lender | 30-45 DAYS |
| 43 | TN | Mtg Lender | 30-45 DAYS |
| 44 | TX | Mtg Lender | 60-75 DAYS |
| 45 | UT | Mtg Lender | 60-75 DAYS |
| 46 | VA | Mtg Lender | 45-60 DAYS |
| 47 | VT | Mtg Lender | 60-75 DAYS |
| 48 | WA | Mtg Lender | 90-105 DAYS |
| 49 | WI | Mtg Lender | 30-45 DAYS |
| 50 | WV | Mtg Lender | 60-75 DAYS |
| 51 | WY | Mtg Lender | 45-60 DAYS |
Important Disclaimer
These estimates are based on historical processing times and current state regulatory conditions. Actual approval times may vary depending on:
- Completeness and accuracy of application materials
- Background check results and complexity
- State regulatory workload and staffing
- Required documentation and responses to state inquiries
- Financial statement review requirements
For the most current timeline estimates and expedited processing options, contact Herb Thomas at 214-692-7611 or hthomas@thomas-law.com
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