Cost Matrix
Servicer License Matrix
Your 4 Key Out-of-Pocket Fees for Servicer Licensing
Understanding Your 4 Key Fees
1
TLF Processing Fee
Thomas Law Firm's flat fee for preparing and processing your state license application.
2
NMLS / State Filing Fees
Application and filing fees paid directly to NMLS and/or the state regulatory agency.
3
SOS Registration
Secretary of State registration or foreign entity qualification fees required by each state.
4
Surety Bond Premium
Annual premium for the surety bond required by most states as a condition of licensure.
State-by-State Servicer Licensing Costs
Sample of key states. Contact us for the complete 50-state matrix.
| State | License Type | TLF Fee | State Filing | SOS Reg. | Bond Premium | Bond Req. | Net Worth | Est. Total | Notes |
|---|---|---|---|---|---|---|---|---|---|
| AL | Servicer | $500 | $600 | $350 | $250 | - | - | $1,450 | Requires HUD approval |
| AK | Servicer | $100 | - | - | - | - | - | $100 | Requires "No Action" letter |
| CA | Servicer | $500 | $1,100 | $365 | $500 | - | - | $1,865 | Requires HUD approval |
| FL | Servicer | $500 | $575 | $305 | $500 | $50K | - | $1,880 | |
| NY | Servicer | $500 | $3,000 | $1,385 | $500 | - | $250K | $7,485 | Requires 5 yrs experience |
| TX | Servicer | $500 | $750 | $305 | $375 | $50K | - | $1,930 | |
| All 50 States Total | $36,600 | $115,898.00 | |||||||
Note: Pricing does not include Branch License Fees and Loan Officer Application Fees.
Note: Contact us for the complete 50-state matrix. Fees are estimates and subject to change. Actual costs may vary based on entity structure and state-specific requirements.
Legend
O = Physical Office Required C = Class/Education E = Exam A = Audited Financials F = Fingerprints FB = Fidelity Bond LO = Loan Officer
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