Residential Mortgage Lenders & Servicers - DFPI

Residential Mortgage Lenders & Servicers - DFPI
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Residential Mortgage Lenders & Servicers
Any person engaged in the business of making or servicing residential mortgage loans within California must have a license under the California Residential Mortgage Lending Act (CRMLA). Through licensing, regulation, and oversight of these lenders and servicers, DFPI supports a healthy and trusted financial marketplace.
Laws & Regulations
About the California Residential Mortgage Lending Act
Regulations and Legislation
Commissioner’s Releases – California Residential Mortgage Lending Act
58-FS: Evidence of Compliance with Financial Code Section 50204(o)(revised) (PDF)
62-FS:
Implementation of Guidance Including “Best Practices” for Certain Nontraditional and Adjustable Rate Mortgage Loan Products.
Comparison Chart
[doc]
For complete documents related to this Release, see
Commissioner’s Releases – California Residential Mortgage Lending Act
California Financial Information Privacy Act
Publications
Residential Mortgage Loan Reports or Holden Act Reports
California Residential Mortgage Lending Act Annual Reports
Bona Fide Nonprofit Affordable Housing Organizations
Announcements
02/27/2023 –
DFPI Guidance Regarding Remote Work (PDF)
02/02/2023 –
2022 Residential Mortgage Loan Report (Holden Act) and Instructions (PDF)
For Archives Click Here
For Consumers
How to file a complaint
Search the Licensee Listing
NMLS Consumer Access
Information on companies and branches licensed under CRMLA is also available on NMLS Consumer Access. NMLS Consumer Access is a fully searchable website that allows the public to view information concerning state-licensed mortgage companies, branches and individuals currently licensed through NMLS.
Licensing Questions & Information
Self-Service DOCQNET Portal
– Access convenient online licensing services and information from DFPI. The Portal allows licensees to submit exemption notices and annual report information..
Who is Required to Obtain a License or Branch License under the CRMLA
How Do I Apply for a CRMLA License or Authorize a Branch Office under the CRMLA
Requirements After a CRMLA License has been issued
How Do I Amend CRMLA License or authorize a Branch Office under the CRMLA
How Do I Surrender a CRMLA License or Branch Office Authorization under the CRMLA
Frequently Asked Questions about California Residential Mortgage Lending Act
For Companies that Employ Mortgage Loan Originators
Requirements for CFLL and CRMLA Licensed Companies who employ MLOs
Bona Fide Nonprofit Organizations
DFPI Guidance to CRMLA licensees regarding Remote Work
Forms
Application Forms
For company license applications and amendments
An application for a License under the California Residential Mortgage Lending Act must be filed through the Nationwide Mortgage Licensing System (NMLS). Please refer to the
NMLS checklist
for complete instructions. The following are DFPI forms that must be submitted to the Department in addition to the electronic application in NMLS.
BCIA 8016 – Request for Live Scan Service (PDF)
DFPI-MBL 1950.122C – Notice of Fingerprint Processing Requirements under the California Residential Mortgage Lending Act
DFPI-MBL 1950.122.2 – Notice of Officers, Directors, Partners, “Control” Persons, Managers, Members, Trustees and Employees of a Residential Mortgage Lender, Residential Mortgage Lender and Servicer or Residential Mortgage Loan Servicer (PDF)
DFPI-MBL 1950.122B – Customer Authorization for Disclosure of Financial Records (PDF)
For certain bona fide nonprofit organizations employing MLOs:
DFPI OLP AB 2666 – Exemption for Employees of Certain Bona Fide Nonprofit
Instructions for DFPI OLP AB 2666 (PDF)
See
Bona Fide Nonprofit
for more details.
Report Form
HDN-1 – 2024 Holden Act Report (HDN-1) Instructions and Forms (PDF)
See
Holden Act Report FAQs
for more details.
CRMLA Annual Reports must be submitted through the DFPI Portal.
See
CRMLA Annual Report for more details
.
Translated Residential Mortgage Forms for CRMLA lenders and servicers
Translated Residential Mortgage Loan Forms and Pre-Foreclosure Notices
News & Info Links
Newsroom
Press Releases
Monthly Bulletins
Important Notices
How to reach us:
Department of Financial Protection and Innovation
Escrow & Mortgage Lending Office, CRMLA
320 W. 4th Street, Suite 750
Los Angeles, CA 90013-2344
Phone:
(866) 275-2677
The caller should leave a message including the company NMLS ID number, caller’s name, contact phone number, and a brief message relating the concern, and someone from our team will return the call as soon as possible
Email:
[email protected]
Updated:
April 29, 2025