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NMLS MU Forms
Chapters II through V explain specific details of each state licensing form: MU1; MU2; MU3; and MU4.
Chapter V—NMLS Individual License Form (MU4)
The Individual License Form (MU4) is the Individual Mortgage License / Registration & Consent form.
Document Library
Individuals can upload and submit PDF documents to regulators. Documents uploaded will appear in the Document Library.

NMLS MU Forms
Chapters II through V explain specific details of each state licensing form: MU1; MU2; MU3; and MU4.
- Chapter II—NMLS Company Form (MU1)
  NMLS Company Form (MU1) must be completed by a company applying for a license/registration in one or more states.
- Chapter III—NMLS Individual Form (MU2)
  The Individual Form (MU2) must accompany the Company or Branch Form. Each individual identified as a Control Person, Qualifying Individual, or a Branch Manager for the applicant, must complete the Individual Form (MU2).
- Chapter IV—NMLS Branch Form (MU3)
  The Branch Form (MU3) is the branch office information tied to a company’s record. The Branch Forms may only be submitted after a company submits a Company Form (MU1).
- Chapter V—NMLS Individual License Form (MU4)
  The Individual License Form (MU4) is the Individual Mortgage License / Registration & Consent form.
  - General Instructions
    An applicant or licensee for an individual license may use this form to apply for a license, amend a license, establish a relationship with a company, terminate a relationship with a company, or Surrender / Cancel a license.
  - Create Individual Record
    Full legal name (First, Middle, Last), Date of Birth, and Social Security Number are required for each Licensee to generate the Unique Identification Number.
  - Manage Licenses
    Applicants and Licensees should familiarize themselves with the jurisdiction’s specific instructions and checklist before completing any MU Forms in NMLS.
  - Individual Information
    Information about individuals completing the MU4 form.
  - Other Names*
    Individuals are required to provide any names other than their legal name used since the age of 18. Examples include nicknames, aliases, initials, names used on business cards or advertisements, and names used before or after marriage.
  - Residential History
    Applicants or licensees must list all addresses where they have resided during the past 10 years. No gaps are allowed.
  - Employment*
    Provide full employment history for the past 10 years. No gaps should be present.
  - Other Business
    Are you currently engaged in any other business as a proprietor, partner, officer, director, employee, trustee, agent or otherwise?
  - Disclosure Questions
    All Disclosure Questions must be answered. Any Yes response requires an explanation to be provided in the Disclosure Explanations section. A single PDF file can be uploaded with any applicable documentation.
  - Criminal Background Check (CBC)
    All new individual (MU4) license applications require completion of the Criminal Background Check section. Existing licensees should complete this section to comply with state specific requirements.
  - Document Library
    Individuals can upload and submit PDF documents to regulators. Documents uploaded will appear in the Document Library.
  - Credit Report
    All new applicants for a mortgage loan originator license are required to authorize a credit report through NMLS. The first time an individual authorizes a credit report through NMLS, they must complete an Identity Verification (IDV) process.
  - Attest and Submit
    The Submit Filing button will only appear if the Individual Form (MU4) passes all completeness checks.
  - Company—Managing Mortgage Loan Originator (MLO) Records
    Managing MLO Records consists of the following:

Document Library

Individuals can upload and submit PDF documents to regulators. Documents uploaded will appear in the Document Library.

Document Upload Descriptions and Examples details the types of documents that can be uploaded in connection with an individual record. Only documents that are available for selection can be provided through NMLS; all other documentation required by a state regulator must be submitted outside NMLS. For more information, refer to the State Licensing Checklist Compiler.

Only the applicable document for the Document Type selected can be uploaded in NMLS (e.g., when selecting to upload a business plan, only a business plan document related to the company should be provided).

Historical Filings

The View Historical Filings section contains a copy of the Individual (MU4) Form submitted by the individual. A complete listing of all Individual (MU2 and MU4) filings can be accessed in the View Historical Filings section under the Composite View tab.

The individual filing with the most recent System Processed date represents an individual’s current information.

Users may view a single historical filing or multiple filings in a “compare” redline mode.

Deletion of Uploaded Documentation

NMLS stores all documents that have been uploaded as a part of the record. Document can be deleted or replaced. However, the system maintains previously uploaded documents in a document type historical section on the composite view page.

The document types that can be uploaded in connection with an individual filing are determined by each state agency. Not all licenses may require or permit all the documents listed below to be uploaded.

MU4 Individual Filing (Ability to Upload Determined by Agency)

Credit Report Explanations
Legal Name / Status Documentation
Memorandum of Tax Certification
Verification of Experience
Service member or Veteran Documentation
Additional Requirement(s)

Contact the NMLS Call Center with any questions: 1-855-665-7123
Monday - Friday from 9:00AM to 9:00PM ET
Available from all U.S. States and Territories.