Your 4 Key Out-of-Pocket Fees

Thomas Law Firm Processing Fees

NMLS Application Fees

Secretary of State Registations

Surety Bond Annual Premiums

Below is the Thomas Law Firm Mortgage Banker Matrix of Costs Spreadsheet which details the 4 out-of-pocket fees for your mortgage licensing project: [1] the Thomas Law Firm processing fee [2] the State Application filing fees [3] the Secretaries of States Registrations and [4] the Surety Bond annual premiums.

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	ST	License	Facts	Thomas Law Processing Fee	Application Fees to States	Sec of State Certificates of Auth.	Surety Bond Annual Premiums	Surety Bond Req.	Net Worth	Credit Line	State Total
1	AK	Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
2	AK	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
3	AL	Mtg. Servicer		500	600	350	250	25,000	25k	0	$1,450.00
4	AL	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
5	AR	Mtg. Servicer	A	500	750	575	1000	100,000	25k	0	$2,825.00
6	AR	Coll. Agency		500	125	0	250	25,000	N/A	0	$875.00
7	AZ	Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
8	AZ	Coll Ag		500	1500	500	100	10,000			$100
9	CA	Mtg. Servicer	Requires HUD Approval	500	1000	365	500	50,000	250k	0	$1,865.00
10	CA	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
11	CO	2nd Mtg. Servicer		500	400	525	150	15,000	25k	0	$1,425.00
12	CO	1st Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
13	CO	Coll. Agency	O	500	750	0	200	20,000	N/A	0	$1,450.00
14	CT	Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
15	CT	Coll. Agency		500	500	500	250	25,000		0	$100
16	DC	Mtg. Servicer	A	500	1200	495	125	12,500	10k	0	$2,320.00
17	DC	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
18	DE	Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
19	DE	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
20	FL	Mtg. Servicer	A, E	500	575	430	0	0	250k	0	$1,605.00
21	FL	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
22	GA	Mtg. Servicer	F	500	800	605	1500	150,000	N/A	0	$3,405.00
23	GA	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
24	HI	Mtg. Servicer		500	1,300	500	0	0	0	0	$100
25	HI	Coll. Agency		500	500	605	0	0	0	0	$1,605.00
26	IA	Mtg. Servicer		500	500	405	1000	100,000	N/A	0	$2,405.00
27	IA	Debt Collector		500	10	0	0	0	N/A	0	$510.00
28	ID	Regulated Lender		500	200	385	500	50,000	10k	0	$1,585.00
29	ID	Coll. Agency		500	150	0	150	15,000	0	0	$700.00
30	IL	Mtg. Servicer	A	500	2700	960	200	20,000	150k	0	$4,360.00
31	IL	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
32	IN	1st Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
33	IN	2nd Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
34	IN	Coll. Agency		500	100	370	50	5,000	N/A	0	$1,020.00
35	KS	1st Mtg. Servicer		500	400	465	1000	100,000	100,000	0	$2,365.00
36	KS	Supv'd Lender	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
37	KS	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
38	KY	Mtg. Servicer		500	150	435	2,500	250,000	100k	0	$3,585.00
39	KY	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
40	LA	Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
41	LA	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
42	MA	Loan Servicer		500	900		0	0		0	$100
43	MA	Debt Collector		500	115	0	250	25,000	N/A	0	$865.00
44	MD	Mtg. Servicer	A,F	500	600	445	750	75,000	N/A	0	$2,295.00
45	MD	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
46	ME	Servicer		500	500	575	0	0	50k	0	$1,575.00
47	ME	Debt Collector		500	400	0	200	20,000	10,000	0	$900.00
48	MI	1st Mtg. Servicer		500	800	335	1250	125,000	25k	0	$2,885.00
49	MI	2nd Mtg. Servicer		500	600	0	1250	125,000	25k	0	$2,350.00
50	MI	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
51	MN	Mtg. Servicer		500	425	465	1000	100,000	25k	0	$2,390.00
52	MN	Coll. Agency		500	1000	0	200	20,000	N/A	0	$1,700.00
53	MO	Mtg. Servicer	O	500	600	600	200	20,000	25k	0	$1,900.00
54	MO	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
55	MS	Mtg. Servicer		500	400	560	1,500	150,000	N/A	0	$2,960.00
56	MS	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
57	MT	Mtg. Servicer		500	850	500	1000	100,000	0	0	$100
58	MT	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
59	NC	Mtg. Servicer	A	500	1396	1000	1,500	150,000	0	0	$2,896.00
60	NC	Coll. Agency		500	550	0	200	20,000	0	0	$1,050.00
61	ND	Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
62	ND	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
63	NE	Mtg. Servicer		500	300	400	1000	100,000	N/A	0	$1,700.00
64	NE	Coll. Agency	O	500	400	0	150	15,000	N/A	0	$950.00
65	NH	Servicer		500	250	380	500	50,000	100k	0	$1,130.00
66	NH	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
67	NJ	1st Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
68	NJ	2nd Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
69	NJ	Coll Agency		500	0	0	50	5,000	0	0	$650.00
70	NM	Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
71	NM	Coll. Agency	O	500	600	0	50	5,000	N/A	0	$1,150.00
72	NV	Servicer Reg.		500	0	0	0	0	0	0	$500.00
73	NV	Coll. Agency		500	1500	0	0	0	0	0	$2,000.00
74	NY	Mtg. Servicer	5 years experience	500	3100	1385	2500	250,000	250000	0	$7,485.00
75	NY	Coll. Agency	NYC and Buffalo Municipal License	500	465	0	50	5,000	0	0	$850.00
76	OH	2nd Mtg. Servicer		500	350	500	0	0	50k	0	$1,350.00
77	OH	1st Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
78	OH	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
79	OK	Broker	O	500	350	0	50	5,000	0	0	$900.00
80	OK	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
81	OR	Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
82	OR	Coll. Agency		500	350	0	150	15,000	N/A	0	$1,000.00
83	PA	Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
84	PA	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
85	RI	Broker	5 YRS EXP.	500	960	435	200	20,000	10k	0	$2,095.00
86	RI	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	210	0	0	0	0	0	$100
87	SC	1st Mtg. Servicer		500	1100	0	500	50,000	25k	0	$800.00
89	SC	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
90	SD	Mtg. Servicer	A	500	750	820	250	25,000	N/A	0	$1,920.00
91	SD	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
92	TN	Mtg. Servicer		500	600	585	2,000	200,000	25k	0	$1,685.00
93	TN	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
95	TX	Mortgage Co.	C/E/O/LO	500	275	1055	0	0	25k	0	$2,218.25
96	TX	Coll. Agency		500	0	0	100	10,000	0	0	$500.00
97	UT	1st Mtg. Servicer		500	276	407	0	0	N/A	0	$1,183.00
98	UT	2nd Mtg. Servicer		500	25	0	0	0	N/A	0	$525.00
99	UT	Coll. Agency		500	32	0	100	10,000	N/A	0	$632.00
100	VA	Broker	F	500	500	485	250	25,000	0	0	$1,735.00
101	VA	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
102	VT	Mtg. Servicer		500	2100	500	1000	100,000	0	0	$100
103	VT	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
104	WA	Mtg. Servicer	LO	500	1162	475	300-1500	30-150k	N/A	0	$2,437
105	WA	Coll. Agency		500	340	0	50	5,000	N/A	0	$890.00
106	WI	Mtg. Servicer	A	500	1000	430	3000	300,000	250k	0	$4,930.00
107	WI	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
108	WV	Mtg. Servicer		500	1200	455	100	100,000	10k	0	$2,255.00
109	WV	Coll. Agency		500	30	0	50	5,000	N/A	0	$500.00
110	WY	Mtg. Servicer	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
111	WY	Coll. Agency	Request for "No Action" Letter from State Authorizing Servicing W/O a License	100	0	0	0	0	0	0	$100
112	HUD	Servicer	FB, A	500	1000	0		0	250k	0	$1,500.00
	Total			36600	42571	21262	31125	3,202,500			$115,898
				Pay to	Pay to	Pay to	Pay to
				Thomas Law	State Banking Ag.	Corp. Sv. Co.	Insurance Comp.			TOTAL LICENSING FEE	$115,898.00

		O=Physical Office Req'd		C=Class/Education Req'd
		E=Exam
		LO=Loan Officer		A=Audited Financials Req'd
		F=Fingerprint Cards		FB=Fidelity Bond
		E=Exam

Our Pricing and Fees do not include Branch License Fees and Loan Officer Application Fees (these fees are not included)

Servicer Matrix

Your 4 Key Out-of-Pocket Fees

Thomas Law Firm Processing Fees

NMLS Application Fees

Secretary of State Registations

Surety Bond Annual Premiums

Need Mortgage Licenses or Exemptions?

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