How much does a Florida Mortgage loan originator make? The average  FloridaMortgage Analyst salary in Florida is $56,247 as of September 26, 2022, but the range typically falls between $46,757 and $65,646. According to Salary.com  ranges can vary widely depending on the city and many other important factors, including education, certifications, additional skills, and the number of years you have spent in your profession.

Florida Mortgage Loan Originator Exemptions.494.00115 Exemptions.

 Full Site         RE: 494 FLORIDA MORTGAGE LOAN ORIGINATOR JOB EXEMPTIONS 

(1) The following are Florida mortgage loan originator jobs that are exempt from regulation under this part and parts II and III of this chapter.

(a) Any Florida mortgage loan originator job operating exclusively as a registered loan originator in accordance with the S.A.F.E. Mortgage Licensing Act of 2008.
(b) A Florida depository institution; subsidiaries that are owned and controlled by a depository institution and regulated by the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, the Director of the Office of Thrift Supervision, the National Credit Union Administration, or the Federal Deposit Insurance Corporation; or institutions regulated by the Farm Credit Administration.
(c) The Federal National Mortgage Association; the Federal Home Loan Mortgage Corporation; any agency of the Federal Government; any state, county, or municipal government; or any quasi-governmental agency that acts in such capacity under the specific authority of the laws of any state or the United States.
(d) An attorney licensed in this state who acts as a Florida mortgage loan originator negotiates the terms of a Florida mortgage loan on behalf of a client as an ancillary matter to the attorney’s representation of the client.
(e) A person involved solely in the extension of credit relating to the purchase of a Florida timeshare plan, as that term is defined in 11 U.S.C. s. 101(53D).
(f) A person who performs only real estate brokerage activities and is licensed or registered in this state under part I of chapter 475, unless the person is compensated by a lender, a mortgage broker, or other loan originator or by an agent of such lender, mortgage broker, or another loan originator. The term “real estate brokerage activity” has the same meaning as in the federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008.

(2)(a) A Florida securities dealer, an investment advisor, or an associated person registered under s. 517.12 is exempt from regulation under this part and part II of this chapter if such person, in the normal course of conducting securities business with a corporate or an individual client:

1. Solicits or offers to solicit a Florida mortgage loan from a securities client or refers a securities client to an entity exempt under paragraph (1)(b), a licensed Florida mortgage broker, a licensed mortgage lender, or a registered loan originator; and
2. Does not accept or offer to accept an application for a Florida mortgage loan, negotiate or offer to negotiate the terms or conditions of a new or existing mortgage loan on behalf of a borrower or lender, or negotiate or offer to negotiate the sale of an existing mortgage loan to a noninstitutional investor for compensation or gain.
(b) Any solicitation or referral made pursuant to this subsection must comply with chapter 517; the federal Real Estate Settlement Procedures Act, 12 U.S.C. ss. 2601 et seq.; and any applicable federal law or general law of this state.

(3) The following persons are exempt from regulation under part III of this chapter:

(a) A person acting in a fiduciary capacity conferred by the authority of a court.
(b) A person who, as a seller of his or her own real property, receives one or more mortgages in a purchase money transaction.
(c) A person who acts solely under contract and as an agent for federal, state, or municipal agencies for the purpose of servicing mortgage loans.
(d) A person who makes only nonresidential mortgage loans and sells loans only to institutional investors.
(e) An individual making or acquiring a mortgage loan using his or her own funds for his or her own investment, and who does not hold himself or herself out to the public as being in the mortgage lending business.
(f) An individual selling a mortgage that was made or purchased with that individual’s funds for his or her own investment, and who does not hold himself or herself out to the public as being in the mortgage lending business.
(4) It is not necessary to negate any of the exemptions provided in this section in any complaint, information, indictment, or other writ or proceeding brought under this chapter. The burden of establishing the right to an exemption is on the party claiming the benefit of the exemption.

(5) As used in this section, the term “hold himself or herself out to the public as being in the mortgage lending business” includes any of the following:

(a) Representing to the public, through advertising or other means of communicating or providing information, including the use of business cards, stationery, brochures, signs, rate lists, or promotional items, by any method, that such individual can or will perform the activities described in s. 494.001.
(b) Soliciting in a manner that would lead the intended audience to reasonably believe that such individual is in the business of performing the activities described in s. 494.001.
(c) Maintaining a commercial business establishment at which or premises from which, such individual regularly performs the activities described in s. 494.001 or regularly meets with current or prospective mortgage borrowers.
(d) Advertising, soliciting or conducting business through the use of a name, trademark, service mark, trade name, Internet address, or logo that indicates or reasonably implies that the business being advertised, solicited, or conducted is of the kind or character of business transacted or conducted by a licensed mortgage lender or is likely to lead any person to believe that such business is that of licensed Florida mortgage lenders.

Florida Mortgage Originator Resources

Florida Statutes Chapter 494 Loan Originators and Mortgage Brokers

Florida Office of Financial Regulation

Florida Mortgage Broker and Branches

Florida Mortgage Lender and Branches

Florida Mortgage Loan Originator Coverage Areas Include:

Jacksonville
Miami
Tampa
Orlando
St. Petersburg
Hialeah
Port St. Lucie
Cape Coral
Tallahassee
Fort Lauderdale
Pembroke Pines
Hollywood
Gainesville
Miramar
Coral Springs
Lehigh Acres
Palm Bay
West Palm Beach
Clearwater
Brandon
Lakeland
Spring Hill
Pompano Beach
Miami Gardens
Davie
Sunrise
Riverview
Boca Raton
Deltona
Palm Coast
Plantation
Fort Myers
Alafaya
Town ‘n’ Country
Deerfield Beach
Melbourne
Largo
The Villages
Pine Hills
Miami Beach
Homestead
Boynton Beach
North Port
Kissimmee
Kendall
Doral
Daytona Beach
Lauderhill
Tamarac
Poinciana
Weston
Delray Beach
Port Charlotte
Ocala
The Hammocks
Port Orange
St. Cloud
Palm Harbor
Wellington
Jupiter
Sanford
Wesley Chapel
Palm Beach Gardens
North Miami
Fountainebleau
Margate
Coconut Creek
Bradenton
Tamiami
Kendale Lakes
Apopka
Bonita Springs
Sarasota
Westchester
Pensacola
Pinellas Park
Winter Haven
Country Club
Titusville
Coral Gables
University CDP
Fort Pierce
Ocoee
Winter Garden
Horizon West
Four Corners
Altamonte Springs
Clermont
Cutler Bay
North Lauderdale
Greenacres
Oakland Park
Ormond Beach
North Miami Beach
Lake Worth Beach
North Fort Myers
Hallandale Beach
Valrico
The Acreage
Plant City
Oviedo
Meadow Woods
Aventura
Royal Palm Beach
DeLand
Land O’ Lakes
Winter Springs
Riviera Beach
Kendall West
Egypt Lake-Leto
Estero
Navarre
Richmond West
University
Dunedin
South Miami Heights
Lauderdale Lakes
Princeton
Carrollwood
Parkland
Buenaventura Lakes
Panama City
Merritt Island
Cooper City
Golden Glades
Fruit Cove
East Lake
West Little River
Lake Magdalene
Ferry Pass
Dania Beach
New Smyrna Beach
Lakeside
Fleming Island
Miami Lakes
Golden Gate
East Lake-Orient Park
Winter Park
Casselberry
Haines City
Vero Beach South
Rockledge
Oakleaf Plantation
Immokalee
West Melbourne
Crestview
Leesburg
Citrus Park
Temple Terrace
Palm Springs
Leisure City
Bayonet Point
Key West
Lakewood Ranch
Sun City Center
Venice
Sebastian
Ruskin
Tarpon Springs
Coral Terrace
Keystone
Bloomingdale
Palm City
Silver Springs Shores
South Bradenton
Ives Estates
Wright
Northdale
Palm River-Clair Mel
Wekiwa Springs
Port St. John
Palmetto Bay
Oak Ridge
Fish Hawk
Eustis
Jacksonville Beach
Apollo Beach
Westchase
Edgewater
The Crossings
Lutz
DeBary
Jasmine Estates
Hialeah Gardens
West Pensacola
Sunny Isles Beach
Pace
Brent
Lealman
Ensley
Bellview
Florida Ridge
Holiday
Liberty Triangle
Fort Walton Beach
Palm Valley
Groveland
Bayshore Gardens
Punta Gorda
Hunters Creek
Tavares
Bartow
Naples
Cocoa
Englewood
Seminole
Midway CDP
Bradfordville
Marion Oaks
Lynn Haven
Maitland
World Golf Village
Sweetwater
Country Walk
Panama City Beach
San Carlos Park
Zephyrhills
Upper Grand Lagoon
Gibsonton
Pinecrest
Lake Butler CDP
Glenvar Heights
Stuart
Brownsville
Auburndale
Myrtle Grove
Pinewood
Safety Harbor
Ojus
New Port Richey
Nocatee
Belle Glade
Vero Beach
Lake Wales
Mount Dora
Lake Mary
South Venice
Wildwood
Palmetto Estates
Southchase
Lady Lake
Opa-locka
Marco Island
Niceville
Warrington
Azalea Park
Three Lakes
Bellair-Meadowbrook Terrace
Longwood
Lockhart
West Park
Minneola
Sunset
Oldsmar
Hobe Sound
St. Augustine
Homosassa Springs
Thonotosassa
Key Biscayne
Villas
East Milton
West Lealman
Olympia Heights
Gonzalez
Lakewood Park
Viera West
Fruitville
Destin
Palmer Ranch
Orange City
Forest City and Jensen Beach
Iona
Miami Springs
Gladeview
Palmetto
South Daytona
Yulee
Atlantic Beach
Conway
Fernandina Beach
North Palm Beach
Callaway
Sarasota Springs
Jupiter Farms
Holly Hill
Elfers
Cypress Lake
Trinity
Florida City
Middleburg
Lake City
Goldenrod
Viera East
Naranja
Laurel
Shady Hills
Port Salerno
Cheval
Lantana
Fuller Heights
Westview
South Miami
Gulfport
Mango
Lakeland Highlands
Pine Castle
Miami Shores
Highland City
Medulla
Cocoa Beach
Wilton Manors
Pasadena Hills
Satellite Beach
Hudson
Goulds
Pebble Creek
Sebring
Westwood Lakes
Celebration
Doctor Phillips
Davenport
On Top of the World
Asbury Lake
Union Park
Alachua
Memphis
New Port Richey East
Gateway
Palatka
West Vero Corridor
Milton
Sugarmill Woods
Progress Village
Lighthouse Point
Fairview Shores
Bee Ridge
Rotonda
Bithlo
Cypress Gardens
Westgate
Cape Canaveral
Wimauma
Avon Park
St. Augustine Shores
Green Cove Springs
Marathon
Key Largo
West Perrine
Bardmoor
Richmond Heights
Pine Ridge CDP
Beverly Hills
Palm Beach
Citrus Springs
Brooksville
Micco
Lake Park
Hernando
Indian Harbour Beach
Southeast Arcadia
St. Pete Beach
Miramar Beach
Orange Park
Fern Park
Fruitland Park
Gulf Gate
North Merritt Island
Seffner
Broadview Park
Springfield
Quincy
North Bay Village
McGregor
Odessa
Citrus Hills
Wedgefield
Newberry
North Weeki Wachee
Inverness
Longboat Key
Macclenny
Clewiston
Arcadia
Williamsburg
Southwest Ranches
Lake Lorraine
Orlovista
Dade City
Mascotte
South Apopka
Lecanto
Sky Lake
Fort Pierce North
Inwood
West Samoset
Willow Oak
Mims
River Park
South Patrick Shores
Inverness Highlands South
Neptune Beach
Islamorada, Village of Islands
West Miami
Beacon Square
Ormond-by-the-Sea
St. Augustine Beach
Belle Isle
Vero Lake Estates
Perry
Heathrow
Live Oak
Loughman
Fort Myers Shores
Indiantown
Southgate
Lely Resort and Treasure Island
Indian River Estates
Lake Alfred
Gulf Breeze
Sanibel
High Springs
Kathleen
Naples Manor
DeFuniak Springs and Freeport
Pelican Bay
Marianna
Osprey
Crystal Lake
Jan Phyl Village and Pembroke Park
Combee Settlement
Naples Park
Lauderdale-by-the-Sea
South Gate Ridge
Tequesta
Ocean City
Cocoa West
South Highpoint
Starke
Bay Harbor Islands
Ellenton
Palm Springs North
Fort Myers Beach
Dundee
Rio Pinar
Siesta Key
Belleview
Surfside
Whiskey Creek
Zephyrhills West
Pahokee
Tice
Three Oaks and River Ridge
Okeechobee
South Pasadena
Warm Mineral Springs
Flagler Beach
Zephyrhills South
The Meadows
Daytona Beach Shores
Port LaBelle
Floral City
Fort Meade
Pensacola Station
South Brooksville
White City
Cortez
Timber Pines
Hutchinson Island South
Samsula-Spruce Creek
Lochmoor Waterway Estates
St. Augustine South and Kenneth City
South Sarasota
Wauchula
LaBelle
June Park
Fellsmere
Brookridge
Valparaiso
Connerton
Plantation
Ridge Wood Heights
Big Pine Key
Pea Ridge
Bay Hill
Butler Beach
Mount Plymouth
Nassau Village-Ratliff
Fussels Corner
Suncoast Estates
Samoset
Lower Grand Lagoon
Stock Island and Rainbow Springs
Clarcona
Charlotte Harbor
Pine Manor
Grant-Valkaria
Ridge Manor
Parker
Gifford
South Bay
Fort Pierce South
Whitfield CDP
Indian River Shores
Taylor Creek
Belleair
Highland Beach
Laguna Beach
Buckingham
Moon Lake
Orangetree
Lake Sarasota
Crawfordville
Ave Maria
Sawgrass
Nokomis
Woodville
San Castle
Lake Panasoffkee
Tierra Verde
Mulberry
Mary Esther
Wahneta
Balm
High Point
Goulding
North River Shores
Madeira Beach
Ridgecrest
Harbour Heights
Alturas
Juno Beach
West Bradenton
Umatilla
Chipley
Indian Rocks Beach
Jasper
Watergate
Bagdad
Zephyrhills North
Port St. Joe
Rainbow Lakes Estates
Lely
Lake Clarke Shores
Tiger Point
Montura
St. James City
Holden Heights
Oakland and Cedar Grove
Kensington Park
Venice Gardens
Feather Sound
Bunnell
Midway city
Ocala Estates
Ponce Inlet
Vineyards
Crystal River
Loxahatchee Groves
Winter Beach
Silver Springs
Flagler Estates
Chattahoochee
South Beach
Woodlawn Beach
West DeLand
North Brooksville
Melbourne Beach
Port Richey
Eagle Lake
Geneva
Hill ‘n Dale
Harbor Bluffs
Dover
Grenelefe
Point Baker
Williston
Indialantic
Holmes Beach
Biscayne Park
Bushnell
Malabar
Alva
Bal Harbour
Windermere
Frostproof
De Leon Springs
Hilliard
Polk City
Seminole Manor
Tangerine and Madison
Pretty Bayou
Tangelo Park
Zellwood
Lake Helen
Carrabelle
Meadow Oaks
Island Walk
Quail Ridge
Bonifay
Olga
Greenbriar
Bay Pines
Sharpes
Hypoluxo
Inverness Highlands North
Harlem
Cleveland
Vamo
Edgewood
Cabana Colony
Big Coppitt Key
Wallace
Verona Walk
Dade City North and Monticello
Eastpoint
Florida Gulf Coast University
Hernando Beach
Pine Air
Hurlburt Field
Berkshire Lakes
Bowling Green
Vilano Beach
Eglin AFB
Lake Mack-Forest Hills
Lake Placid
Williston Highlands
Watertown
Chiefland
Belleair Bluffs
Virginia Gardens
North Sarasota
Apalachicola
Eatonville
Campbell
Blountstown
Pelican Marsh
Pine Island Center
Silver Lake
Wewahitchka
Holley
Westlake and Haverhill
Graceville
Redington Shores
Cudjoe Key
Burnt Store Marina
Atlantis
Mangonia Park
Bear Creek
Manatee Road
Lake Belvedere Estates
Tyndall AFB
Trenton
Roosevelt Gardens
Tropical Park
Oak Hill
Washington Park
Sewall’s Point
Gotha
Fort Denaud
Grove City
Tavernier
Dunnellon
Hillsboro Beach
Lake Butler and Malone
Chuluota
Astatula
El Portal
Lake Mary Jane
Desoto Lakes
Charlotte Park
Wabasso Beach
Lake Kerr
Ocean Ridge
Homosassa
Heritage Pines
Zolfo Springs
Pine Ridge
Cross City
Sneads
Century
Havana
Limestone Creek
Moore Haven
Montverde
Lacoochee
Oriole Beach and Crescent City
Key Vista
Plantation Mobile Home Park
Boulevard Gardens
Howey-in-the-Hills
Patrick AFB
St. Leo
Belleair Beach
East Palatka
Royal Palm Estates
Christmas
Manasota Key
Crooked Lake Park
Navarre Beach
Taft
Punta Rassa
Lake Hamilton
Roseland
Pierson
Franklin Park
Yalaha
Callahan
Bokeelia
Inglis
Rainbow Park
Cypress Quarters
Ocklawaha
Hawthorne
Old Miakka
East Bronson
North Redington Beach
Keystone Heights
South Palm Beach
Buckhead Ridge
Babson Park
Interlachen
Glencoe
Midway
Baldwin
DeLand Southwest
Redington Beach
Gretna
Molino
Harlem Heights
San Antonio
Solana
Palm Beach Shores
Hastings
Paisley
Verandah
Five Points
Heritage Bay
Astor
Fanning Springs
Indian Shores
Palm Shores and Juno Ridge
Bronson
Kenwood Estates
Desoto Acres and Weeki Wachee Gardens
Archer
Chokoloskee
Pine Lakes
North DeLand
Black Diamond
Gun Club Estates
Mayo
Crescent Beach
Black Hammock
Harold
Silver Springs Shores East
Masaryktown
Medley
Garden Grove
St. George Island
Anna Maria
Mexico Beach
Chumuckla
Gulf Stream
Golden Beach
Andrews
Bradenton Beach and Seville
Bristol
Raleigh
Grand Ridge
Center Hill
North Key Largo
Crystal Springs
Scottsmoor
Fort Braden and Cottondale
Matlacha
Waldo
Webster
Jupiter Island
Wiscon
Pomona Park
Allentown
Key Colony Beach
Greenville
Duck Key
Palmona Park
Panacea
Shalimar
Jennings
Lake Kathryn
White Springs
Branford and Waverly
Vernon
Homestead Base
Marco Shores-Hammock Bay
Welaka
Rio and Penney Farms
Bradley Junction
Cedar Key
Wabasso
Indian Lake Estates
Coleman
Melbourne Village
Roeville
Ona
Micanopy
Lawtey
Acacia Villas
Hosford
Hillsboro Pines
Whitfield
Page Park
St. Lucie Village
Stacey Street
Fort White
Yankeetown
Lake Mystic
Pinecraft
Paxton
Avalon
Schall Circle
Laurel Hill
Greenwood
Jay
Steinhatchee
Sea Ranch Lakes
Paradise Heights
Fort Green Springs
Bell
Orchid
Ferndale
Ponce de Leon
Briny Breezes
Altha
Spring Lake
Garcon Point
Alford
Lemon Grove
Beverly Beach
Lisbon and McIntosh
Glen St. Mary
Canal Point
Reddick
East Williston
Cinco Bayou
Greensboro
Hampton
Chaires
Sopchoppy
Manalapan
Winding Cypress
Jupiter Inlet Colony
Lake Hart
Pioneer and Windsor
Wausau
Lee
Worthington Springs and Brownsdale
Gardner and Everglades
Fisher Island
Wacissa
Ocean Breeze
Esto
Matlacha Isles-Matlacha Shores
Brooker
Limestone
La Crosse
Floridatown
Miccosukee
Caryville and Capitola
Spring Ridge
Munson
Trilby
St. Marks
Waukeenah
Pineland
Westville
Highland Park
Golf
Hillcrest Heights
Pittman
Yeehaw Junction
Ebro
Homeland
Jacob City
Goodland
Raiford
Glen Ridge
Noma
Layton
Campbellton
Nobleton
Fort Green
Berrydale
Fidelis
Horseshoe Beach
Captiva
Aucilla
Charleston Park
Morriston
Day
Aripeka
Okahumpka
Sorrento
Mount Carmel
Cloud Lake
West Canaveral Groves
Pine Level
Lloyd
Mulat
Sumatra
Otter Creek
Springhill
Bascom
Indian Creek
Altoona
Belleair Shore
Dickerson City
Istachatta
Lake Harbor
Pine Island
Cobbtown
Tildenville
Lazy Lake
Dixonville
Lamont
Bay Lake
Lake Buena Vista
Plantation Island
Marineland
Weeki Wachee

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