| Q. |
Why can’t I find a company or individual I am searching for on Consumer Access? |
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- The company or individual may be licensed in a state that is not licensing companies and/or individuals through NMLS at this time. Click here for information on states currently participating in NMLS Consumer Access.
- You may be searching on a nickname that has not been reported to NMLS. When searching for an individual, it is best to use their full name (e.g. search for “Timothy” instead of “Tim”).
View the search tips found under the search box for more hints on performing successful searches. |
| Q. |
What does “Authorized to Represent” mean? |
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Most mortgage loan originators must be associated with a licensed/registered company in order to make mortgage loans. Such associated companies are listed under “Authorized to Represent”. For information regarding companies an individual can make mortgage loans for under a particular license, view the “Authorized to Represent” section under the license details for the desired license. Individuals licensed in states that only have mortgage loan originator licenses on NMLS will not have any companies listed under “Authorized to Represent”. |
| Q. |
What does the license status mean? |
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For a description of each license status, see the License Status Descriptions. |
| Q. |
What if I have questions regarding a company’s or individual’s license that are not answered by the information found on Consumer Access? |
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Questions regarding the license status of companies or individuals in states not currently participating in NMLS Consumer Access and questions not answered by the data found on NMLS Consumer Access can be directed to the appropriate state agency. You should consult the agency website for further information prior to calling the agency. Click here for a list of web addresses and contact information for the state agencies. |
| Q. |
What is NMLS? |
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The Nationwide Mortgage Licensing System and Registry (NMLS) is the legal system of record for licensing in all participating states, the District of Columbia and U.S. Territories. In these jurisdictions, NMLS is the official and sole system for companies and individuals seeking to apply for, amend, renew and surrender licenses managed in the NMLS on behalf of the jurisdiction’s governmental agencies. NMLS itself does not grant or deny license authority. |
| Q. |
What does “Other Business Name” mean? |
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Some companies perform mortgage activities under names other than their legal company names. In fact, you may only know the company by such a name. Names the company has filed in NMLS to use when performing mortgage business are listed under the “Other Business Name” section. For information regarding names used under a particular license, view the “Other Business Name” section under the license details for the desired license. |
| Q. |
What does the Financial Services indicator in the employment history mean? |
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Employment entries are marked with a ‘yes’ under Financial Services if the individual’s employment pertains to securities, commodities, banking, insurance, consumer lending, or real estate (including, but not limited to: acting as or being associated with a bank or savings association, credit union, Farm Credit System institution, mortgage lender, mortgage broker, real estate salesperson or agent, appraiser, closing agent, title company or escrow agent). |
| Q. |
What does selecting a state from the drop-down list on the search results page do? |
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When you select a state from the state listing and click the Apply Filter button, all results for companies or individuals who do not currently hold a license in the selected state will be removed from the list of search results. |