If you’re currently operating as a mortgage broker and are ready to take greater control over your loans and increase your revenue potential, transitioning to a Non-Delegated Correspondent Lender is a smart move. At Guide Mortgage Licensing, we help you make this transition with confidence, compliance, and clarity.

What Is a Non-Delegated Mortgage Lender?

A non-delegated mortgage lender is approved to originate, process, and close loans in their own name, but funding is provided by a sponsoring investor. Unlike brokers, non-delegated lenders have more control over the process and branding, while still relying on an investor for underwriting.

Key Benefits of Becoming a Non-Delegated Lender

• Close loans in your own company’s name

• Access to better pricing and lender credits

• Improved borrower experience and process control

• Enhanced reputation and lender credibility

Pro Tip: Becoming a non-delegated lender is the perfect middle ground between a broker and a fully delegated correspondent lender — giving you more power, with less risk.

Step-by-Step: Transitioning from Broker to Non-Delegated Lender

1. Form a Mortgage Entity
   Ensure your company is set up as a legal mortgage entity such as an LLC or Corporation.

2. Obtain State Licenses
   Apply for non-delegated lender licenses in the states where you plan to operate. Requirements vary by state.

3. Secure Investor Approval
   Get approved with one or more wholesale investors who support non-delegated lending.

4. Establish Compliance Infrastructure
   Set up quality control procedures, policies and procedures, and internal compliance systems.

5. Apply for an NMLS Sponsorship
   Update your NMLS profile to reflect your new role and submit required documents.

6. Launch Your Operations
   With licenses and investor approvals in place, you’re ready to originate and close in your company’s name.

Why Work with Guide Mortgage License?

• Full-service state licensing for non-delegated lenders

• Investor approval guidance and introductions

• Policy, procedure, and compliance document preparation

• One-on-one consulting throughout the transition

Get Started Today

Our team has helped dozens of mortgage brokers make the leap into non-delegated lending. Whether you’re ready to expand into new states or simply elevate your lending model, we’re here to make the process easy, fast, and fully compliant.

Ready to expand your business and close loans in your own name?
Let Guide Mortgage Licensing help you every step of the way