Mortgage Section Applications And Forms

As of January 2, 2008, the Nationwide Mortgage Licensing System (NMLS) became the official system for applying for and maintaining mortgage broker/lender and mortgage loan originator licenses in Idaho. Paper license applications, amendment notifications, and surrenders are no longer accepted. Each of these functions must now be performed electronically through the NMLS.

Current Licensees

If you are a current licensee in one or more of these jurisdictions, you must transition your license information on the System according to the transition plan outlined for Idaho. To review the transition plan for Idaho, click here: Idaho Transition Plan

Licensees will need their Idaho license number to complete the transition process and avoid paying an additional license application fee. If you received your initial license on or after December 3, 2007 you were provided a letter containing a “dummy” license number to use in the transition process. If your official license number is not accepted during transition, and you have misplaced the notification letter, contact the Department at 208.332.8002.

Licensees will have until September 1, 2008 to complete all relevant MU Forms and submit them to the Idaho Department of Finance through NMLS for acceptance. However, any licensee that needs to amend their license record, establish or terminate an employment relationship, or surrender any license must do so through NMLS beginning January 2, 2008.

New Applicants

Before applying for a license you should consult the jurisdiction-specific requirements for Idaho. If you wish to apply for a license and currently do not have an account on the NMLS, visit Getting Started, which will walk you through the application process.

The NMLS call center is available from 9:00am – 6:00pm EST at 240.386.4444. Contact the Call Center for technical and system navigation questions and support.

Get Started in the NMLS (click here)
Idaho Jurisdiction-Specific Requirements (click here)

  • Licensees are not required to maintain a physical location in Idaho.
  • There is no "one time" exemption for individuals regularly engaged in mortgage brokering/banking activities. Companies requesting a No Compensation Exclusion Request must complete the request form and send/fax to the Department for approval.
  • Exempt entities include, but may not be limited to, certain financial institutions, governmental agencies, wholesale lenders, attorneys and accountants licensed under either chapter 2 or chapter 20, Title 54, Idaho Code.
  • Wholesale exemptions apply solely to first-mortgage lending activity. If wholesale activity includes lending activity on subordinate-lien loans secured by a primary residence located in Idaho, and/or taking assignment of subordinate-lien loans secured by a primary residence located in Idaho, with the direct collection of payments and/or enforcement rights, then licensing is required under the Idaho Credit Code. Application may be found in the consumer lender forms section.
  • Loan Originator employees and agents of federal or state chartered depository institutions, or their wholly-owned subsidiaries, are exempt from loan originator licensing.
  • Loan Originator employees and sales agents of bank-affiliate Idaho-licensed mortgage broker/ lender licensees are exempt as long as the employing bank-affiliate licensee is wholly owned by the holding company system that owns the bank.
  • Individuals conducting loan origination activity must be licensed as a mortgage loan originator unless exempt under Idaho Code 26-3103 or structured as a sole proprietor holding an active Idaho mortgage broker/lender license and exclusive to themselves.
  • Individuals may be employed by or associated with more than one Idaho Licensee; however loan origination activity must be exclusive to one Idaho Licensee. If you are applying for a mortgage loan originator license, and you are associated with more than one Idaho Licensee, you must complete a Loan Originator Exclusivity Agreement form.
  • Fingerprints are not required in Idaho at this time.


  • Mortgage Broker/Lender Surety Bond Form: Word Word | PDF PDF
  • Mortgage Loan Originator Surety Bond Form: Word Word | PDF PDF
  • Loan Originator Exclusivity Certification: Word Word | PDF PDF
  • Instructions for CD in Lieu of Surety Bond: Word Word | PDF PDF
  • No Compensation Exclusion Request Form: Word Word | PDF PDF
  • Idaho-Required Model Application Disclosures and Forms: Word Word | PDF PDF
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