Lender Matrix

Your 4 Key Out-of-Pocket Fees

Below is the Thomas Law Firm Mortgage Banker Lender Matrix of Costs Spreadsheet which details the 4 out-of-pocket fees for your mortgage licensing project:

The Thomas Law Firm processing fee ($500 per state)
The State Application filing fees (varies by state)
The Secretaries of States Registrations (varies by state)
The Surety Bond annual premiums (varies by bond requirement)

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Your 4 Key Out-of-Pocket Fees

Understanding your investment in mortgage licensing is essential for budgeting and planning. Here are the four primary fee categories you'll encounter during the licensing process.

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Thomas Law Firm Processing Fees

Professional legal services for application preparation, compliance review, and state licensing coordination.

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NMLS Application Fees

Required fees paid directly to the Nationwide Multistate Licensing System for application processing and background checks.

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Secretary of State Registrations

State-level business entity registration and filing fees for corporate compliance in each jurisdiction.

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Surety Bond Annual Premiums

Required surety bonds for mortgage licensing compliance, with premiums based on credit and bond amount.

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Need a Detailed Fee Breakdown?

Contact Herb Thomas for a personalized cost analysis based on your specific licensing needs and state requirements. We provide transparent pricing with no hidden fees.

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State	License Type	TLF Fee	State Fee	SOS Reg	Bond Premium	Bond Req.	Net Worth	Credit Line	Total
AK	Lender	$500	$850	$655	$250	$25,000	$0	$0	$2,255
AL	Lender	$500	$700	$350	$250	$25,000	$25k	$0	$1,800
AR	Banker	$500	$850	$575	$1,000	$100,000	$25k	$0	$2,925
AZ	Banker (Phy. Office)	$500	$1,500	$565	$250	$25,000	$100-250k	$0	$2,815
CA	Banker	$500	$1,100	$365	$500	$50,000	$250k	$1 Million	$2,465
CO	1st Ret. Lender	$500	$298	$525	$250	$25,000	$0	$0	$1,573
CT	Lender	$500	$1,100	$410	$1,000	$100,000	$250k	$0	$3,010
DC	Lender	$500	$1,400	$495	$125	$12,500	$10k	$0	$2,520
DE	Lender	$500	$250	$460	$500	$50,000	N/A	$0	$1,710
FL	Lender	$500	$758	$430	$0	$0	$250k	$0	$1,688
GA	Lender	$500	$1,250	$605	$150	$150,000	N/A	$0	$2,505
HI	Lender (Phy. Office)	$500	$1,300	$380	$0	$0	$0	$0	$2,180
IA	Banker	$500	$500	$405	$1,000	$100,000	N/A	$0	$2,405
ID	Lender	$500	$700	$385	$0	$0	$10k	$0	$1,585
IL	Lender	$500	$2,800	$960	$250	$25,000	$150k	$0	$4,510
IN	Lender	$500	$1,100	$370	$250	$25,000	$25k	$0	$2,220
KS	Lender	$500	$1,050	$440	$250	$25,000	$25k	$0	$2,240
KY	Lender	$500	$1,000	$395	$250	$25,000	$100k	$0	$2,145
LA	Lender	$500	$1,200	$485	$250	$25,000	$50k	$0	$2,435
MA	Lender	$500	$2,700	$575	$750	$75,000	$50k	$0	$4,525
MD	Lender	$500	$1,500	$520	$500	$50,000	$250k	$0	$3,020
ME	Lender	$500	$1,500	$425	$500	$50,000	$50k	$0	$2,925
MI	Lender	$500	$1,350	$395	$250	$25,000	$50k	$0	$2,495
MN	Lender	$500	$2,500	$510	$500	$50,000	$250k	$0	$4,010
MO	Lender	$500	$1,000	$455	$250	$25,000	$100k	$0	$2,205
MS	Lender	$500	$1,000	$425	$250	$25,000	$100k	$0	$2,175
MT	Lender	$500	$800	$390	$250	$25,000	$25k	$0	$1,940
NC	Lender	$500	$2,000	$475	$500	$50,000	$100k	$0	$3,475
ND	Lender	$500	$1,000	$405	$250	$25,000	$25k	$0	$2,155
NE	Banker	$500	$750	$420	$250	$25,000	$25k	$0	$1,920
NH	Banker	$500	$1,500	$445	$500	$50,000	$50k	$0	$2,945
NJ	Lender	$500	$1,500	$530	$750	$75,000	$150k	$0	$3,280
NM	Banker	$500	$1,000	$415	$250	$25,000	$25k	$0	$2,165
NV	Banker	$500	$1,500	$485	$500	$50,000	$250k	$0	$2,985
NY	Banker	$500	$3,000	$625	$1,000	$100,000	$500k	$1 Million	$5,125
OH	Lender	$500	$1,000	$440	$250	$25,000	$100k	$0	$2,190
OK	Lender	$500	$950	$405	$250	$25,000	$25k	$0	$2,105
OR	Lender	$500	$1,500	$475	$500	$50,000	$25k	$0	$2,975
PA	Lender	$500	$1,500	$545	$500	$50,000	$250k	$0	$3,045
RI	Lender	$500	$1,500	$435	$500	$50,000	$50k	$0	$2,935
SC	Lender	$500	$1,200	$460	$250	$25,000	$100k	$0	$2,410
SD	Lender	$500	$800	$395	$250	$25,000	$25k	$0	$1,945
TN	Lender	$500	$1,000	$425	$250	$25,000	$100k	$0	$2,175
TX	Lender	$500	$2,500	$565	$250	$25,000	$50k	$0	$3,815
UT	Lender	$500	$780	$415	$250	$25,000	$25k	$0	$1,945
VA	Lender	$500	$1,500	$495	$500	$50,000	$250k	$0	$2,995
VT	Lender	$500	$1,250	$405	$250	$25,000	$25k	$0	$2,405
WA	Banker	$500	$1,500	$520	$500	$50,000	$100k	$0	$3,020
WI	Banker	$500	$1,000	$445	$250	$25,000	$25k	$0	$2,195
WV	Lender	$500	$1,000	$415	$250	$25,000	$50k	$0	$2,165
WY	Lender	$500	$750	$385	$250	$25,000	$25k	$0	$1,885

Important Notes:

All fees are estimates and subject to change by state regulators
Surety bond premiums are annual and based on bond amount and creditworthiness
Net worth and warehouse credit line requirements must be maintained for license approval
Some states require physical office locations or additional documentation