Depending on where you are licensed, many states require lenders and/or brokers to maintain a physical presence in the state in order for them to conduct business in that state.  The following matrix outlines on a per-state basis whether there is an in-state office requirement (also known as a "brick-and-mortar" requirement) or whether no such requirement exists.  If a physical presence is not required, but certain restriction(s) apply to lenders and/or brokers who wish to conduct business in that state, a description of the restriction(s) is noted in the matrix.

Here is the matrix: In-State Office Requirements Matrix.