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| MORTGAGE LENDER LICENSES | No QI required (EY) | QI Designated Only (EY) | QI required to have mortgage experience (TL) | QI required to have MLO license and file MU4 and take exams? (TL) | Notes |
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| Alabama | NO QI | | | | Group 1. Control Person can file this Role without taking a Test or having Mtg Experience |
| Colorado | NO QI | | | | Group 1. Control Person can file this Role without taking a Test or having Mtg Experience |
| District of Columbia | NO QI | | | | Group 1. Control Person can file this Role without taking a Test or having Mtg Experience |
| Iowa | NO QI | | | | Group 1. Control Person can file this Role without taking a Test or having Mtg Experience |
| Maine | NO QI | | | | Group 1. Control Person can file this Role without taking a Test or having Mtg Experience |
| Minnesota | NO QI | | | | Group 1. Control Person can file this Role without taking a Test or having Mtg Experience |
| Nebraska | NO QI | | | | Group 1. Control Person can file this Role without taking a Test or having Mtg Experience |
| South Dakota | NO QI | | | | Group 1. Control Person can file this Role without taking a Test or having Mtg Experience |
| Virginia | NO QI | | | | Group 1. Control Person can file this Role without taking a Test or having Mtg Experience |
| Wisconsin | NO QI | | | | Group 1. Control Person can file this Role without taking a Test or having Mtg Experience |
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| Alaska - Mortgage Broker Lender | | QI ONLY | | | Group 2. Control Person can file this Role without taking a Test or having Mtg Experience |
| Georgia | | QI ONLY | | | Group 2. Control Person can file this Role without taking a Test or having Mtg Experience |
| Michigan | | QI ONLY | | | Group 2. Control Person can file this Role without taking a Test or having Mtg Experience |
| New Hampshire | | QI ONLY | | | Group 2. Control Person can file this Role without taking a Test or having Mtg Experience |
| Rhode Island | | QI ONLY | | | Group 2. Control Person can file this Role without taking a Test or having Mtg Experience |
| Tennessee | | QI ONLY | | | Group 2. Control Person can file this Role without taking a Test or having Mtg Experience |
| Vermont | | QI ONLY | | | Group 2. Control Person can file this Role without taking a Test or having Mtg Experience |
| Wyoming | | QI ONLY | | | Group 2. Control Person can file this Role without taking a Test or having Mtg Experience |
| West Virginia | | QI ONLY | | | Group 2. Control Person can file this Role without taking a Test or having Mtg Experience |
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| Pennsylvania | | | | QI-MU4- TEST by an owner | Group 3 - Test by Owner Only |
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| Massachusetts | | | 5 yrs | | Group 4. Mtg Experience Required but No Tests to Take |
| California | | | 3 years due to HUD req. | | Group 4. Mtg Experience Required but No Tests to Take |
| Maryland | | | 3 years | | Group 4. Mtg Experience Required but No Tests to Take |
| Idaho | | | 3 yrs | | Group 4. Mtg Experience Required but No Tests to Take |
| Illinois | | | 3 YRS OR 30 HRS | | Group 4. Mtg Experience Required but No Tests to Take |
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| Kentucky | | | 1 year or 30 hours | MU4- TEST | Group 5. Mtg Experience and Test Taking Required |
| Florida | | | 1 YR | QI-MU4- TEST | Group 5. Mtg Experience and Test Taking Required |
| New Jersey | | | 2 years | QI-MU4- TEST | Group 5. Mtg Experience and Test Taking Required |
| New York | | | 5 YRS | QI-MU4- TEST | Group 5. Mtg Experience and Test Taking Required |
| Indiana | | | 2 yrs | QI-MU4 [AS PRINCIPAL MANAGER] MU4- TEST | Group 5. Mtg Experience and Test Taking Required |
| Arkansas | | | 3 YRS MANAGING PRINCIPAL | QI-MU4- TEST | Group 5. Mtg Experience and Test Taking Required |
| Connecticut | | | 3 YRS | QI-MU4- TEST | Group 5. Mtg Experience and Test Taking Required |
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| Mississippi | | | 2 YRS OUT OF LAST 4 YRS – LENDER AND BROKE | red | Group 6. Recent Mtg Experience and Test Taking Required |
| New Mexico | | | 2 out of last 4 years | QI-MU4- TEST | Group 6. Recent Mtg Experience and Test Taking Required |
| Oregon - Mortgage Lender | | | 3 out of last 5 YRS | | Group 6. Recent Mtg Experience and Test Taking Required |
| Utah - Mortgage Lender | | | 3 out of last 5 YRS | QI-MU4- TEST | Group 6. Recent Mtg Experience and Test Taking Required |
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| Montana | | | | QI-MU4- TEST | Group 7. No Mtg Experience but Test Taking Required |
| Kansas - Mortgage Company | | | | MU4- TEST | Group 7. No Mtg Experience but Test Taking Required |
| Louisiana | | | | MU4- TEST | Group 7. No Mtg Experience but Test Taking Required |
| Washington | | | | QI-MU4- TEST | Group 7. No Mtg Experience but Test Taking Required |
| Oklahoma - Mortgage Broker | | | | QI-MU4- TEST | Group 7. No Mtg Experience but Test Taking Required |
| PHYSICAL OFFICE STATES | | | | | |
| Missouri - Mortgage Broker | NO QI | | 2 years | | GROUP 8 - Physical Office-Branch Manager Required who will take Test and Have Mtg Experience |
| Nevada - Mortgage Broker | | | 2 years | NV MLO - MU4- TESTICAL | GROUP 8 - Physical Office-Branch Manager Required who will take Test and Have Mtg Experience |
| Hawaii | | | 2 yrs | QI-MU4- TEST | GROUP 8 - Physical Office-Branch Manager Required who will take Test and Have Mtg Experience |
| Ohio - Mortgage Broker | | | 3 years | QI-MU4- TEST | GROUP 8 - Physical Office-Branch Manager Required who will take Test and Have Mtg Experience |
| Arizona | | | 3 YRS | Q QI-MU4- TEST | GROUP 8 - Physical Office-Branch Manager Required who will take Test and Have Mtg Experience |
| South Carolina | | | 3 YRS | QI [MANAGING PRINCIPAL]-MU4- TEST | GROUP 8 - Physical Office-Branch Manager Required who will take Test and Have Mtg Experience |
| North Carolina | | | 3 YRS [LENDER & BROKER] | QI-MU4- TEST | GROUP 8 - Physical Office-Branch Manager Required who will take Test and Have Mtg Experience |
| Texas | | | 0 yrs | QI-MU4- TEST | GROUP 8 - Physical Office-Branch Manager Required who will take Test and Have Mtg Experience |
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