Does FHA allow net branching?

All branch offices in which a lender conducts FHA business, including originating, underwriting, and/or servicing FHA-insured mortgages must be registered. The lender must register each branch office and pay branch office registration fees through the Lender Electronic Assessment Portal (LEAP). A 10-digit FHA lender ID will be assigned to each registered branch office.

The lender cannot register a new branch office within a HUD Field Office jurisdiction in which it has withdrawn a branch office in the last six months. Instead, the lender must make a request through LEAP to reassign the former office’s 10-digit FHA lender ID to the new branch and pay the branch office registration fee.

For information on adding a branch refer to the LEAP User Manual located at: under the LEAP Information link in the Approvals & Renewals section.

For additional information see Handbook 4000.1 I.A.4.a available at