Mortgage Brokerage Licensing Support

Simplify Your Brokerage’s Regulatory Burden — We Handle the Details.

Running a mortgage brokerage means juggling growth and compliance. One misstep could tie up your business or cost you more than you bargained for. Let Co/LAB Broker Concierge Service take the regulatory load off your shoulders so you can stay focused on what you do best—closing loans and growing your business.

What We Handle for Your Brokerage

Licensing is more than just filling out a form—it’s a layered process involving multiple entities, documents, and deadlines. We manage every component so your brokerage is set up correctly, efficiently, and with full regulatory compliance from the start.

Company License (MU1) Support — We prepare and submit your brokerage’s main license application, handle required disclosures, ownership filings, registered agent setup, and state‑specific documentation.
Individual Loan Officer Licenses (MU2/MU4) — We manage filings for control persons and loan originators, including background checks, fingerprinting, credit reports, license sponsorship, and annual renewal tracking.
Branch Licenses (MU3) & Multi‑State Expansion — Whether you’re adding branches or entering new states, we support MU3 filings, entity formation, and direct coordination with each state regulator.
Surety Bond & Net Worth Requirements — We help you meet state financial thresholds by tracking bond requirements, securing bonds, and ensuring documentation is properly filed and compliant.
Annual Renewal Management — Once licensed, we keep you compliant year-round by monitoring renewals, submitting required reports, tracking CE requirements, and maintaining audit‑ready records.

Licensing & Your Timeline

We don’t just file your paperwork—we build a full licensing plan customized to your goals and state footprint. Our timeline approach keeps your launch on track and removes the guesswork.

Discovery Call: We assess your business model, licensing requirements, and target states.
Licensing Roadmap: A step-by-step plan outlines filings, milestones, and timelines.
Submission Phase: We compile documents, submit applications, and liaise with regulators.
Approval & Launch: Once approved, your business can begin operating legally.
Maintenance: We handle renewals, updates, and compliance tracking long-term.

Key Benefits

Getting licensed quickly and correctly helps you avoid delays, penalties, or missed opportunities. With our licensing experts on your side, you gain speed, accuracy, and peace of mind.

Reduced Time to Launch — Get to market faster with fewer hiccups.
Stay Focused on Business Building — Let us manage the paperwork while you focus on clients and growth.
Avoid Costly Mistakes — Prevent delays, denials, or penalties due to misfilings or missed deadlines.
Scalable Licensing Support — Whether launching in one state or scaling across many, we support every step.

Full-Service Licensing Support
for Mortgage Brokerages

From single-state startups to national expansion,
our expert team handles every step of your licensing journey.

MU1 Company License Application

Start Your Brokerage the Right Way

We prepare and submit your main company license through NMLS, including disclosures, ownership records, and state-required documentation.

MU2 / MU4 Individual Licensing

Support for Owners and Loan Officers

We manage licensing for control persons and MLOs—background checks, fingerprints, sponsorship, and ongoing renewal tracking included.

MU3 Branch Licensing

Expand Into New Locations Seamlessly

Whether opening a branch or going multi-state, we handle all required filings and coordinate with regulators to ensure compliance.

Surety Bond Oversight

Stay Compliant with State Requirements

We help you secure the right bond, track expirations, and meet minimum net worth thresholds across all licensed states.

Annual License Renewals

Never Miss a Renewal Deadline

We monitor and complete your license renewals, submit required documentation, and maintain your good standing with regulators.

Multi-State Licensing

Grow Nationally with Confidence

We coordinate filings and approvals across multiple states so you can scale without navigating red tape alone.

STILL NOT SURE?

Frequently Asked Questions

Straightforward Answers to Your Top Licensing Questions

What is the MU1 Form and why do I need it?

The MU1 is the foundational company-level application submitted through the NMLS. Every licensed mortgage brokerage must file this to operate legally in each state.

Do I need to earn an individual MLO license before starting my brokerage?

In many states, yes. At least one control person (often the owner) typically must hold a valid license. We help you determine what's required in your state and manage the filings.

Can you assist if I’m expanding into multiple states?

Absolutely. We specialize in multi‑state licensing, including setting up new entities, completing branch licenses, and coordinating directly with state regulators.

How long does licensing typically take?

While it varies by state, most brokerages are approved within 60–90 days when all documentation is complete. We handle the heavy lifting so you can stay focused during the process.

Do I need a physical office in each state where I want to get licensed?

Not always. Some states allow virtual offices, while others require a brick-and-mortar location. We help you understand each state’s rules and ensure your application complies.

What if my MLOs are in different states—can you help with that?

Yes. We handle individual licensing (MU4) for MLOs across states and ensure their records and sponsorships are accurate and up to date.

What documents are needed to start the company license (MU1) application?

Most states require business formation documents, EIN confirmation, company ownership details, registered agent info, and state-specific disclosures or affidavits. We guide you through gathering everything.