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LICENSE LOOKUP

Mortgage / NMLS License Lookup by State

Mortgage loan officers and brokers nationwide

ALAlabamaAlabama SBC NMLS VerificationAKAlaskaAlaska DFCD NMLS VerificationAZArizonaArizona DIFI NMLS VerificationARArkansasArkansas SBC NMLS VerificationCACaliforniaCalifornia DFPI NMLS VerificationCOColoradoColorado DORA NMLS VerificationCTConnecticutConnecticut DOB NMLS VerificationDEDelawareDelaware OSBC NMLS VerificationFLFloridaFlorida OFR NMLS VerificationGAGeorgiaGeorgia DBF NMLS VerificationHIHawaiiHawaii DFI NMLS VerificationIDIdahoIdaho DBF NMLS VerificationILIllinoisIllinois IDFPR NMLS VerificationINIndianaIndiana DFI NMLS VerificationIAIowaIowa IDB NMLS VerificationKSKansasKansas OSBC NMLS VerificationKYKentuckyKentucky DFI NMLS VerificationLALouisianaLouisiana OFI NMLS VerificationMEMaineMaine BFCD NMLS VerificationMDMarylandMaryland DLLR NMLS VerificationMAMassachusettsMassachusetts DOB NMLS VerificationMIMichiganMichigan DIFS NMLS VerificationMNMinnesotaMinnesota Commerce NMLS VerificationMSMississippiMississippi DBR NMLS VerificationMOMissouriMissouri DOF NMLS VerificationMTMontanaMontana DOB NMLS VerificationUSNationwideNMLS Consumer AccessNENebraskaNebraska DBF NMLS VerificationNVNevadaNevada MLD NMLS VerificationNHNew HampshireNew Hampshire BFR NMLS VerificationNJNew JerseyNew Jersey DOBI NMLS VerificationNMNew MexicoNew Mexico FID NMLS VerificationNYNew YorkNew York DFS NMLS VerificationNCNorth CarolinaNorth Carolina OCOB NMLS VerificationNDNorth DakotaNorth Dakota DFI NMLS VerificationOHOhioOhio DFI NMLS VerificationOKOklahomaOklahoma OBD NMLS VerificationOROregonOregon DFR NMLS VerificationPAPennsylvaniaPennsylvania DOB NMLS VerificationRIRhode IslandRhode Island DBR NMLS VerificationSCSouth CarolinaSouth Carolina BFI NMLS VerificationSDSouth DakotaSouth Dakota Division of Banking NMLSTNTennesseeTennessee DFI NMLS VerificationTXTexasTexas SML NMLS VerificationUTUtahUtah DFI NMLS VerificationVTVermontVermont DFR NMLS VerificationVAVirginiaVirginia SCC NMLS VerificationWAWashingtonWashington DFI NMLS VerificationWVWest VirginiaWest Virginia DOB NMLS VerificationWIWisconsinWisconsin DFI NMLS VerificationWYWyomingWyoming Division of Banking NMLS
Mortgage / NMLS licensing guide

Who needs a mortgage / nmls license

Mortgage loan originators, mortgage brokers, mortgage lenders, and mortgage servicers are regulated under the federal SAFE Act and state law. Individuals who take residential mortgage applications or negotiate loan terms for compensation must be either state-licensed or federally registered. Originators at banks, credit unions, and their regulated subsidiaries are typically registered rather than state-licensed, while originators at non-bank lenders and brokers need a license in each state where they originate loans.

Every licensed or registered originator and company receives a unique NMLS identifier from the Nationwide Multistate Licensing System. That ID follows the person across employers and states, which makes it a reliable starting point for verification. Lenders and originators are generally required to display their NMLS ID on websites, application documents, and advertising, so you can usually find it before you start an application.

How to look up a mortgage / nmls license

  1. Find the NMLS ID for the loan officer and the company. It is usually printed on websites, email signatures, and loan disclosures.
  2. Search NMLS Consumer Access, the public lookup for the national system, or choose a state above to open the regulator's own page.
  3. Confirm the individual holds a license or registration in the state where the property is located and is sponsored by the company you are working with.
  4. Review any regulatory actions, which NMLS Consumer Access lists for both individuals and companies.

What license status terms mean

Approved or active
The originator or company is authorized to conduct mortgage business in that state. For individuals, this usually also requires an active sponsorship by a licensed employer.
Inactive
The license exists but cannot be used, commonly because the originator is no longer sponsored by a company or has not completed annual requirements.
Lapsed or terminated
The license expired or was surrendered without renewal. The individual cannot originate loans in that state until a new license is approved.
Suspended
A state regulator has temporarily halted the authority to conduct business, usually as part of an enforcement action listed in the regulatory actions section.

Renewal and continuing education

State mortgage licenses are generally renewed every year through NMLS during an annual renewal period. Licensed originators are required to complete annual continuing education that includes federal law, ethics, and lending standards topics, and many states add their own state-specific content. Federally registered originators at banks and credit unions update their registration annually but are not subject to the same state continuing education rules. Confirm current requirements with NMLS and the state regulator.

A practical verification tip

Mortgage scams often use real company names. If you receive an unexpected loan offer or a request for upfront fees, look up the company and individual in NMLS Consumer Access, then contact the company using the phone number on its NMLS record rather than any number in the message. A legitimate lender will be able to give you its NMLS ID immediately, and it should match the license record for your state. Compare the ID on your Loan Estimate as well.

Frequently Asked Questions

Common questions

What is NMLS Consumer Access?
It is the free public website for the Nationwide Multistate Licensing System, where you can look up companies and individuals by name or NMLS ID and see licenses, registrations, and regulatory actions.
Why does my bank loan officer show 'registered' instead of 'licensed'?
Originators employed by banks, credit unions, and their regulated subsidiaries are federally registered under the SAFE Act rather than state-licensed. Registered status is still verified through NMLS.
Does the loan officer need a license in my state?
A state-licensed originator generally needs a license in the state where the property is located. Check that state in the license list on their NMLS record.
Can a company be licensed when the individual is not?
Yes, and the reverse can also happen. Check both the company's and the individual's records to make sure each is authorized in your state.