If you are a bank in Florida can you do loans in NY? No branches would be opened just loans.

That would seem somewhat out of your lending area, however, I believe you would want to check the laws of NY to see what was required for a loan production office. You would also need to look at the procedures for FL for approval.

If you're not opening an office, just making the occassional loan in NY to accomodate a FL customer, then you need a good attorney in NY who understands the laws to help you with your documents and collateral perfection.

As mentioned, each state has their own licensing regulations. Some give exemptions and some do not. You will also need to check mortgage laws and regulations. Some states require attorney closings, have more specific predatory lending requirements, etc.

NY has licensing laws. Exempt (from licensing) includes: banks, banking organizations licensed by the Superintendent of Banking, OCC, National banks, federsl savings banks federal S&L's, federal CU's, or any bank, trust company, etc. etc. Therefore, as a regulated institution authorized to make mortgage loans you can do it in NY.

I believe the information is in Section 39 of the NY Banking Regulations. However, for CRA, it may not be in your delineated community and heed WS's advice. There are some properties and regulations that are unique, and can cost you significant dollars if pricing is not done right. The foreclosure laws are harder and there will be some charges incurred that cannot be passed on to the borrower.

I am trying to find R.E.Loans in California. HELPPPPPPPPP

I am trying to find an R.E.Loans in California.

You might have better luck if you posted that need in the California forum instead of the Florida forum. You also may wish to clarify your need when you post it in the CA forum - do you wish to purchase loans or take out loan?

NY is very unique to state to lend in as is CA. You better have good legal counsel in each state to guide you. Example: NY is an attorney only closing state for real estate transactions. Title companies cannot close loans without legal counsel present.