| States | License | Estimated Approval Time | | |
| 1st MORTGAGE LICENSES | | | | | |
| 1 | AL | Mtg Lender | 45-60 DAYS | | |
| 2 | AK | Mtg Lender | 45-60 DAYS | | |
| 3 | AR | Mtg Lender | 45-60 DAYS | | |
| 4 | AZ | Mtg Lender | 60-90 DAYS | | |
| 5 | CA | Mtg Lender | 75-90 DAYS | | |
| 6 | CO | Mtg Lender | 45-60 DAYS | | |
| 7 | CT | 1st Mtg Lender | 45-60 DAYS | | |
| 8 | DC | Mtg Lender | 45-60 DAYS | | |
| 9 | DE | Mtg Lender | 60-90 DAYS | | |
| 10 | FL | Correspondent Lender | 45-60 DAYS | | |
| 11 | GA | Mtg Lender | 60-90 DAYS | | |
| 12 | HI | Mtg Lender | 60-90 DAYS | | |
| 13 | IA | Mtg Lender | 30-45 DAYS | | |
| 14 | ID | Mtg Lender | 30-45 DAYS | | |
| 15 | IL | Mtg Lender | 60-90 DAYS | | |
| 16 | IN | Mtg Lender | 30-45 DAYS | | |
| 17 | KS | Mtg Lender | 30-45 DAYS | | |
| 18 | KY | Mtg Lender | 45-60 DAYS | | |
| 19 | LA | Mtg Lender | 45-60 DAYS | | |
| 20 | MA | Mtg Lender | 60-90 DAYS | | |
| 21 | MD | Mtg Lender | 60-75 DAYS | | |
| 22 | ME | Mtg Lender | 30-45 DAYS | | |
| 23 | MI | 1st Mtg. Lender | 75-90 DAYS | | |
| 24 | MN | Mtg Lender | 30-45 DAYS | | |
| 25 | MO | Mtg Lender | 60-75 DAYS | | |
| 26 | MS | Mtg Lender | 60-75 DAYS | | |
| 27 | MT | Mtg Lender | 45-60 DAYS | | |
| 28 | NC | Mtg Lender | 75-90 DAYS | | |
| 29 | ND | Mtg Lender | 30-45 DAYS | | |
| 30 | NE | Mtg Lender | 30-45 DAYS | | |
| 31 | NH | Mtg Lender | 75-90 DAYS | | |
| 32 | NJ | 1ST Mtg Lender | 90-105 DAYS | | |
| 33 | NM | Mtg Lender | 30-45 DAYS | | |
| 34 | NV | Mtg Lender | 120-180 DAYS | | |
| 35 | NY | Mtg Lender | 120-180 DAYS | | |
| 36 | OH | Mtg Lender | 90-105 DAYS | | |
| 37 | OK | Mtg Lender | 60-75 DAYS | | |
| 38 | OR | Mtg Lender | 30-45 DAYS | | |
| 39 | PA | 1ST Mtg Lender | 60-75 DAYS | | |
| 40 | RI | Mtg Lender | 60-75 DAYS | | |
| 41 | SC | Mtg Lender | 60-75 DAYS | | |
| 42 | SD | Mtg Lender | 30-45 DAYS | | |
| 43 | TN | Mtg Lender | 30-45 DAYS | | |
| 44 | TX | Mtg Lender | 60-75 DAYS | | |
| 45 | UT | Mtg Lender | 60-75 DAYS | | |
| 46 | VA | Mtg Lender | 45-60 DAYS | | |
| 47 | VT | Mtg Lender | 60-75 DAYS | | |
| 48 | WA | Mtg Lender | 90-105 DAYS | | |
| 49 | WI | Mtg Lender | 30-45 DAYS | | |
| 50 | WV | Mtg Lender | 60-75 DAYS | | |
| 51 | WY | Mtg Lender | 45-60 DAYS | | |
| Disclaimer: | | | | | |
| These estimates are our best estimate based upon following assumptions: | | | | | |
| [1] Period starts from date Application is submitted to State | | | | |
| [2] Application will not be submitted until the Application is complete in all aspects | | | | |
| [3] No unusual occurrances at the state like loss of examiners, sudden flood of applications, new applications with more complex requirements | | | | |
| [4] Client is able to provide to Thomas Law within a short time all the additional items requested by the State | | | | |
| [5] No major changes by the client such as name change, address change, principals change, economic difficulties | | | | |