State Licenses
Professional Licensing & Compliance
Joe Metzler is a licensed mortgage loan originator (MLO) in multiple states, maintaining full compliance with all federal and state regulations. Our NMLS ID #274132 ensures transparency and regulatory oversight.
We are committed to the highest standards of professional conduct and continuing education to serve our clients across state lines.
Federal NMLS Registry
NMLS ID: #274132
Verify our license status and view public records through the official NMLS Consumer Access database.
View NMLS Record →Licensed States
We are authorized to originate mortgage loans in the following states.
Minnesota
License Type: Mortgage Loan Originator
License Status: Active
Regulator: Minnesota Department of Commerce
MN Lic: #MLO-274132
Primary Market: Twin Cities Metro, Greater Minnesota
Minnesota Commerce Dept →Wisconsin
License Type: Mortgage Loan Originator
License Status: Active
Regulator: Wisconsin Department of Financial Institutions
WI Lic: #11418
Service Areas: Western Wisconsin, St. Croix Valley, All of Wisconsin
Wisconsin DFI →Iowa
License Type: Mortgage Loan Originator
License Status: Active
Regulator: Iowa Division of Banking
IA Lic: #LO119389
Service Areas: Statewide residential mortgage lending
Iowa Banking Division →North Dakota
License Type: Mortgage Loan Originator
License Status: Active
Regulator: North Dakota Department of Financial Institutions
ND Lic: #MLO274132
Service Areas: Fargo-Moorhead, Bismarck, Statewide
North Dakota DFI →South Dakota
License Type: Mortgage Loan Originator
License Status: Active
Regulator: South Dakota Division of Banking
SD Lic: #MLO303095
Service Areas: Sioux Falls, Rapid City, Statewide
South Dakota Banking →Arizona
License Type: Mortgage Loan Originator
License Status: Active
Regulator: Arizona Department of Insurance and Financial Institutions (AZDIFI)
AZ Lic: #LO-2016702
Service Areas: Phoenix, Mesa, Statewide
AZDIFI →Colorado
License Type: Mortgage Loan Originator
License Status: Active
Regulator: Colorado Division of Real Estate
CO Lic: #100536785
Service Areas: Denver Metro, Front Range, Statewide
Colorado Real Estate →Florida
License Type: Mortgage Loan Originator
License Status: Active
Regulator: Florida Office of Financial Regulation
FL Lic: LO119389
Service Areas: Tampa Bay, Orlando, Jacksonville, Statewide
Florida OFR →Regulatory Compliance
Our mortgage brokerage operates under strict federal and state oversight to ensure consumer protection and fair lending practices.
Federal Regulations
- SAFE Act: Secure and Fair Enforcement for Mortgage Licensing Act
- TILA-RESPA: Truth in Lending Act and Real Estate Settlement Procedures Act
- Equal Credit Opportunity Act (ECOA): Fair lending practices
- Fair Housing Act: Anti-discrimination in housing finance
- Bank Secrecy Act: Anti-money laundering compliance
- Gramm-Leach-Bliley Act: Financial privacy protection
Continuing Education
Joe Metzler maintains active licensing through:
- Annual continuing education (federal requirement)
- State-specific education requirements
- Professional development and industry training
- Ethics and consumer protection courses
- Fair lending and compliance updates
Consumer Protection
- Licensed and bonded in all states of operation
- Subject to regular regulatory examinations
- Maintains errors and omissions insurance
- Follows strict record-keeping requirements
- Adheres to state-mandated disclosure requirements
Professional Associations
- National Association of Mortgage Brokers (NAMB)
- Mortgage Bankers Association (MBA)
- Minnesota Association of Mortgage Brokers
- Better Business Bureau (BBB) Accredited
License Verification
You can verify our licensing status at any time through:
NMLS Consumer Access
The official source for mortgage professional licensing information.
Search for: Joe Metzler or NMLS ID #274132
Verify License Status →License Questions?
We’re transparent about our licensing and regulatory compliance.