A company that originates, brokers, or services residential mortgage loans in Tennessee generally needs a state mortgage license from Tennessee Department of Financial Institutions. Lending or brokering is usually one company authority; servicing is a separate authority in most states. Individual MLOs need their own MU4 license sponsored by a licensed company.
File Tennessee mortgage licenses on NMLS. NMLS is the filing system. Tennessee Department of Financial Institutions still issues or denies the license. Depository institutions register MLOs on the federal NMLS registry instead of holding this company license.
The SAFE Act, TILA/RESPA, ECOA, and (for many servicers) CFPB mortgage-servicing rules apply in addition to the state license. Depository institutions register MLOs on the NMLS federal registry rather than holding state company licenses.
Agency names and filing paths are public facts from state regulator sites, the NMLS / CSBS agency directory, and published statutes. License categories and exemptions change. Confirm the current checklist on the official site before you apply. This is not legal advice and not a fee schedule.