NMLS Software Help
This guide contains topics to assist you with specific screens and functions in NMLS. For detailed guidance in licensing, education, and policy, links to those documents are provided in each topic.
NMLS Terms of Use
Users must read and accept the Industry Terms of Use by clicking the I Agree to the Terms of Use button after logging in.
This section introduces individual user accounts and profiles in NMLS, including how accounts are created, managed, and updated. It provides an overview of related tasks and explains where users can find detailed instructions for completing common account and profile activities.
Request an Individual NMLS Account
If you are a Mortgage Loan Originator, Control Person, Qualifying Individual, or Branch Manager, you need an NMLS Account to create and attest to your record in NMLS.
NMLS Account Update and Account Recovery
Understand how to update your NMLS account and recover your username and password.
Consolidating and Switching NMLS Accounts
This guide explains the account consolidation process, allowing users with multiple NMLS accounts to use a single login to access all their accounts. Users are encouraged to consolidate their accounts.
Managing NMLS User Profiles
Understand the different capabilities available in NMLS for managing your user profile.
Overview of the account administration process for company and institution Account Administrators.
Request a Company or Institution Account
A state-licensed company for federally registered institution must submit the Company Account Request Form to gain access to NMLS for the first time.
Choosing your Account Administrators
The Account Administrators for your company are persons of your company’s choosing that will have full access to your company’s record on NMLS and will be able to fill out and submit a complete company record (Form MU1 or MU1R) to any participating state regulator or the Federal Registry.
Creating an Organization User
The Primary or Secondary Account Administrators (AAs) are the only individuals that can create and manage other Organization Users (OUs) to assist with performing tasks in NMLS. Each OU is assigned specific roles by an AA, which determines the tasks that can be performed.
Managing Organization User Information
How Account Administrators can modify organization user information in NMLS.
Modifying Organization User Account Roles
An Account Administrator can remove access or grant additional access to NMLS functionality by modifying the roles the organization user has.
Enabling or Disabling User Accounts
An organization user whose account has been disabled by an account administrator will not be able to log in to NMLS. The user will be able to log in to NMLS only after the account has been enabled by an account administrator.
Deleting a User Account
A deleted organization user account cannot be re-used. A new user account will have to be created by an account administrator in order for the user to log in to NMLS.
Account Administrator and Organization User Initial Log in
Upon the initial login to NMLS, Account Administrators and organization users are required to pay the NMLS subscription fee, register their two-factor credential, and reset their password. In addition, they will be required to create a Security Question and Security Answer.
NMLS Two-Factor Authentication
An overview of how to obtain a two-factor authentication for NMLS if it is required for your account. Also includes security credential options..
Managing Notifications
An Account Administrator or Institution User with the Manage Notification Contacts role can manage notifications for an institution.
The NMLS Unique Identifier is the number permanently assigned by the Nationwide Multistate Licensing System (NMLS) for each company, branch, and individual that maintains a single account on NMLS.
NMLS Unique Identification Number Specifications
A unique identifier (NMLS Unique ID) is assigned by NMLS to each entity that has a record in the system.
Required Use of NMLS ID
The SAFE Act mandated the establishment of a unique identifier, and the majority of state mortgage licensing laws require mortgage loan originators to include their unique identifier on various documents, including business cards.
NMLS Consumer Access Participation
All state-licensed and registered mortgage companies, branches and MLOs for the following state agencies can be found on NMLS Consumer Access (unless otherwise noted).
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