PML/SEL Structural Engineer Licensing
Last updated: August 27, 2026
Which license can prepare PML/SEL?
Lenders typically require either a California SE or PE license for PML/SEL appraisals per Freddie Mac Multifamily Guide Chapter 64 and ASTM E2026. Confirm specific requirements with the lender or servicer.
| License type | Can prepare PML/SEL? |
|---|---|
| California Structural Engineer (SE) | Yes — typically accepted by lenders |
| California Civil Engineer (PE) | Yes — typically accepted by lenders |
| Out-of-state SE or PE | No — California license required |
Does the LADBS engineer require the same license?
Per Ordinance 183893 §91.9305.1, a California licensed civil or structural engineer or architect prepares the structural analysis. Per the ordinance, the Department files a County Recorder certificate (§91.9306.6) and the design professional puts a statement on the approved plans (§91.9310.2) to dismiss the Order. Lender PML/SEL licensing requirements are separate underwriting practice per Freddie Mac Chapter 64 and ASTM E2026.
| Document | License required | Purpose |
|---|---|---|
| PML/SEL (Probable Maximum Loss / Scenario Expected Loss) | California SE or PE | Freddie Mac real estate appraisal for lender collateral assessment |
| Order dismissal (County Recorder certificate §91.9306.6) | Department files certificate | Official close-out |
| Retrofit design and permit | California SE, PE, or architect | LADBS permit approval |
Frequently asked questions
What licensing is required for a PML/SEL structural engineer?
A PML (Probable Maximum Loss) or SEL (Scenario Expected Loss) appraisal for lender underwriting is typically prepared by a California licensed structural engineer (SE) or civil engineer (PE) with structural expertise. Lenders typically require a California SE or PE stamp and signature.
Can a civil engineer prepare a PML/SEL?
Yes. Lenders typically require either a California SE or PE license for PML/SEL appraisals. Confirm specific requirements with the lender or servicer.