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The Official Website of the Office of Consumer Affairs & Business Regulation (OCABR)
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  7. Mortgage Companies

Mortgage Companies and Mortgage Loan Originators

The Division of Banks licenses mortgage lenders and brokers, and mortgage loan originators, pursuant to Massachusetts General Laws chapter 255E and its implementing regulations found at 209 CMR 42.00 et seq and Massachusetts General Laws chapter 255F and its implementing regulations found at 209 CMR 41.00 et seq, respectively. Applicants for a license to become a mortgage lender or broker, or mortgage loan originator should carefully review all laws, regulations, and regulatory bulletins governing mortgage companies prior to submitting an application through the Nationwide Multi-State Licensing System & Registry.

  • MASSACHUSETTS STATUTES, REGULATIONS AND GUIDANCE PERTAINING TO MORTGAGE LENDERS, MORTGAGE BROKERS & MORTGAGE LOAN ORIGINATORS

  • M.G.L.c. 255E: Licensing of Mortgage Lenders and Mortgage Brokers

  • 209 CMR 32.00: Disclosure Of Consumer Credit Costs And Terms

  • 209 CMR 42.00: The Licensing of Mortgage Lenders and Mortgage Brokers

  • 209 CMR 48.00: Licensee Record Keeping

  • 940 CMR 8.00: Office of the Attorney General Regulations for Mortgage Lenders and Mortgage Brokers

  • Regulatory Bulletin 5.2-101 Bond Requirements for Licensed Mortgage Lenders and Mortgage Brokers

    (Revisions to Regulatory Bulletin 5.2-101 pdf format of Proposed Amendments to Regulatory Bulletin... currently proposed for public comment)

  • Regulatory Bulletin 5.1-102 Experience Requirements for Mortgage Lender and Mortgage Broker Licensing

  • Chapter 44 of the Acts of 2009: Mortgage Loan Originator Licensing

  • 209 CMR 41.00: The Licensing of Mortgage Loan Originators

  • Regulatory Bulletin 5.1-105 Educational Requirements for Mortgage Loan Originators (Rescinded effective September 16, 2009)

  • Mortgage Lender/Mortgage Broker Licensing FAQ's

  • Chapter 44 FAQs

  • TO APPLY FOR A MORTGAGE LENDER OR MORTGAGE BROKER LICENSE



  • Mortgage Broker and Mortgage Lender Annual Reporting Requirements

  • Companies wishing to apply for a license in Massachusetts must file an application through NMLS

  • Nationwide Multi-State Licensing System & Registry

  • Click here to access NMLS



  • TO APPLY FOR A MORTGAGE LOAN ORIGINATOR LICENSE



  • Individuals wishing to apply for a license in Massachusetts must file an application through NMLS

  • Nationwide Multi-State Licensing System & Registry

  • Click here to access NMLS

  • Education and Testing

  • Notice Regarding S.A.F.E. Act Education Certification

  • TO RENEW A LICENSE

  • Mortgage Company Renewal Process

  • Information for Mortgage Companies Regarding Mortgage Loan Originator Process

  • Mortgage Loan Originator Renewal Process

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