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Mortgage

The Idaho Residential Mortgage Practices Act (IRMPA) charges the Idaho Department of Finance with the responsibility for licensing and regulating the mortgage related activities of mortgage lenders and mortgage brokers, mortgage loan modification companies, independent contractor mortgage loan processors and mortgage underwriters and mortgage loan originators.

The following provides basic licensing information as detailed in the IRMPA:

  • Licensees are not required to maintain a physical location in Idaho.
  • There is no “one time” exemption for individuals regularly engaged in mortgage brokering/lending activities.
  • Exempt entities include, but may not be limited to, certain financial institutions, governmental agencies, wholesale lenders, as well as licensed attorneys and accountants under specific conditions.
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ver: 4.1.6 | last updated: