How do I find a loan officer to work with?
Use NMLS Consumer Access (NMLSConsumerAccess.org), the free public search site tied to the nationwide licensing system. It shows whether a company or individual is authorized to conduct business in your state, along with NMLS numbers, license statuses, employment history for the past 10 years, and state regulatory actions. You can search by name, company, city, state, or NMLS ID.
You can verify any loan officer through NMLS Consumer Access (nmlsconsumeraccess.org), a free public lookup service. Search by name, company, city, state, zip code, NMLS ID, or license number; a full NMLS ID or state license number gives the best match. To check for orders of disciplinary action, contact the state regulator, which in Alabama is the State Banking Department.
Sources: Alabama Banking Dept: SAFE Mortgage Licensing Act text (PDF) — Code of Ala. Title 5, Chapter 26; Alabama Banking Dept: Alabama Mortgage Brokers Licensing Act (Code of Ala. 5-25) text (PDF).
Use NMLS Consumer Access at www.NMLSConsumerAccess.org, the free public lookup site for state-licensed mortgage companies and loan originators. You can see whether a loan officer's Alaska license is active, which company sponsors the license, a 10-year employment history, and any state regulatory actions. Records generally appear the next business day after they are updated in NMLS. You can also check disciplinary orders with the Alaska Division of Banking and Securities.
Sources: Alaska DBS: Mortgage Broker/Lender New Application Checklist (Rev. 05/2025).
Use NMLS Consumer Access, a free public lookup at NMLSConsumerAccess.org, to confirm that a loan originator is authorized to do business in Arizona. You can search by name, company, city, state, ZIP code, NMLS ID, or state license number, and results show the current licensing status. The Consumer Financial Protection Bureau also directs consumers to their state regulator to check for disciplinary orders against an individual or company.
Sources: A.R.S. 6-991.03: Loan originator licensing; renewal; qualifications; application; fees; A.R.S. 6-991.04: Issuance of LO license; employer notice; renewal; inactive status; address change; fee.
Use NMLS Consumer Access (nmlsconsumeraccess.org), a free public search where you can look up a loan officer by name, company, city, state, or NMLS ID. It lists the licensing status of state-licensed mortgage companies, branches, and loan officers, including federally registered originators. Disciplinary orders can also be checked with the state regulator, the Arkansas Securities Department.
Sources: Fair Mortgage Lending Act, Ark. Code 23-39-501 et seq., effective Aug 5, 2025 (ASD-published PDF); 23 CAR 301: Rules of the Fair Mortgage Lending Act (Arkansas Securities Department).
Use NMLS Consumer Access, the free public verification website run by the Nationwide Multistate Licensing System (NMLS). It shows whether a financial-services company or loan originator is authorized to conduct business in your state. You can also check for orders of disciplinary action against a loan originator or company with the state regulator, the DFPI or DRE.
Sources: California DRE: MLO License Endorsement Information; California DRE: How to Obtain a Mortgage Loan Originator License (RE 19).
Use NMLS Consumer Access, a free, searchable website where the public can verify whether a mortgage company or loan originator is authorized to do business in a state. The service, maintained by the Nationwide Multistate Licensing System and Registry (NMLS), shows each loan originator's registration status, employment history, and dates of licensure.
Sources: Colorado Division of Real Estate: MLO steps for initial licensure; Colorado DRE: MLO application instruction guide (incl. temporary authority).
Use NMLS Consumer Access, a free public search for licensed companies and individuals. Enter a company or individual name, city, state, zip code, NMLS ID, or license number, then use the "Any Regulator" filter set to Connecticut. In the State Licenses/Registrations section, a Regulator field showing "Connecticut" confirms the loan officer is licensed in the state.
Sources: Conn. Gen. Stat. Ch. 668 Part I (36a-485 to 36a-498h): mortgage lenders, brokers and loan originators; NMLS: Connecticut state-specific PE and CE requirements for MLOs.
Use NMLS Consumer Access, a free search service at nmlsconsumeraccess.org, to find a licensed loan officer or mortgage company. You can search by name, company, city, state, or NMLS ID. The database shows licensing information for individuals and companies authorized by state regulators, and you can check with the Delaware Office of the State Bank Commissioner for any disciplinary orders.
Sources: 5 Del. C. Ch. 24: Mortgage Loan Originators (Delaware SAFE Act); 5 Del. Admin. Code § 2401-5.0: Fees (Regulation 2401).
Search NMLS Consumer Access at nmlsconsumeraccess.org. This free public tool shows whether an individual is licensed as a mortgage loan originator in DC, along with their employment history and license status. It is the verification tool DC's regulator, the Department of Insurance, Securities and Banking (DISB), directs the public to for confirming a loan officer's credentials.
Sources: NMLS: District of Columbia State-Specific Education Requirements (PE and CE) for MLOs; D.C. Code § 26-1103: License Requirements.
Use NMLS Consumer Access, a free public website at NMLSConsumerAccess.org, to check whether a loan officer is licensed and authorized to conduct business in your state. Records generally appear there the next business day after approval. Florida's Office of Financial Regulation also offers a Verify a License tool and posts final administrative actions against licensees.
Sources: Fla. Stat. 494.00312: Loan originator license; Fla. Stat. 494.00313: Loan originator license renewal.
Use NMLS Consumer Access (NMLSConsumerAccess.org), a free public website where you can check whether a loan officer or company is licensed or registered and authorized to conduct business in your state. It also shows publicly adjudicated disciplinary actions. You can also check disciplinary orders with the Georgia Department of Banking and Finance.
Sources: Ga. Comp. R. & Regs. 80-11-5: Mortgage loan originator licensure and other requirements; Ga. Comp. R. & Regs. 80-5-1-.02: License and supervision fees (LII mirror).
Consumers can verify a loan officer free of charge at NMLS Consumer Access (NMLSConsumerAccess.org), the public lookup website created under the federal SAFE Act. Search by the loan officer's name or NMLS number to see license status by state, employment history, and disciplinary actions. The Hawaii Division of Financial Institutions also posts information on regulatory actions against licensees.
Sources: HRS 454F-22: Mortgage loan originator, MLOC, exempt sponsoring MLOC, nonprofit, and mortgage servicer company fees (DFI copy, amendments through 2014); HRS 454F-6: Pre-licensing and re-licensing; education of mortgage loan originators (DFI copy, amendments through 2014).
Use NMLS Consumer Access, the free public search run by the Nationwide Multistate Licensing System and Registry (NMLS), where you can see whether a financial-services company or loan originator is authorized to conduct business in Idaho. To check whether a disciplinary action has been taken against a loan originator or company, contact the state regulator, the Idaho Department of Finance.
Sources: NMLS: Idaho state-specific PE and CE requirements for MLOs; Idaho DOF Guidance Statement 2020-01-CFB: financial responsibility/fitness of MLOs and key individuals.
Use NMLS Consumer Access at nmlsconsumeraccess.org, the free public search site required by the SAFE Act. You can search by name, company, city, state, postal code, or NMLS ID to verify that a loan officer is licensed and authorized to conduct business in Illinois. The Consumer Financial Protection Bureau directs consumers to this same service.
Sources: Illinois IDFPR: Mortgage loan originator (official MLO licensing page); IDFPR: Mortgage Loan Originator Frequently Asked Questions.
You can find and verify a loan officer through NMLS Consumer Access (NMLSConsumerAccess.org), a free public website maintained by the Nationwide Mortgage Licensing System. Individual records show the license status by state, 10 years of employment history, sponsorship, and any state regulatory actions. Disciplinary information can also be checked with the state regulator, which in Indiana is the DFI or the Secretary of State.
Sources: Indiana DFI: MLO FAQ (updated 08/26/2025).
You can search for a loan officer on NMLS Consumer Access at www.NMLSConsumerAccess.org, a free public website run by the Nationwide Multistate Licensing System. It shows each originator's unique identifier, license status by state, employment history, and disciplinary actions. The Consumer Financial Protection Bureau confirms this is the way to check whether a company or individual is authorized to make or broker mortgage loans.
Sources: Iowa Code Chapter 535D: Mortgage Licensing Act (Iowa SAFE Act); Iowa Administrative Code 187—Chapter 19: Mortgage loan originators.
You can verify any loan officer through NMLS Consumer Access, a free public search at nmlsconsumeraccess.org. Search by name, company, city, state, zip code, or NMLS ID to confirm the person is authorized to do business in Kansas. For any disciplinary orders, you can also check with the state regulator, the Office of the State Bank Commissioner.
Sources: K.S.A. 9-2203: License required; loan originator registration; one company; remote locations; K.S.A. 9-2204: Application for mortgage company license and loan originator registration.
Search for free on NMLS Consumer Access, the public website of the Nationwide Multistate Licensing System & Registry (NMLS). Look up the loan officer by name or NMLS ID to see license status, sponsoring company, and any disciplinary actions. Only an Approved status showing authorized to conduct business as Yes means the loan officer can originate loans.
Sources: KRS 286.8-255: Registration with department required for mortgage loan originator; renewals; CE; background checks; minimum standards; KRS 286.8-260: Continuing professional education required for persons registered under subtitle.
You can verify any loan officer or mortgage company through the NMLS Consumer Access portal at nmlsconsumeraccess.org. The profile shows the person's license status, the states they are authorized to lend in, and any regulatory actions. Every licensed loan officer has a unique NMLS identifier, so you can also ask for the number directly and search it.
Sources: La. R.S. 6:1086: Licensure requirement; La. R.S. 6:1088: Application for licensure; surety bond.
Use NMLS Consumer Access, a free public website at www.NMLSConsumerAccess.org, to find and verify a loan officer. Search by the person's NMLS ID, full legal name, or state license number. The record shows license status, sponsorship companies, and any state regulatory actions; only an "Approved" status means the loan originator may originate loans.
Sources: 9-A M.R.S. Article 13: Maine Secure and Fair Enforcement for Mortgage Licensing Act of 2009 (index); 9-A M.R.S. §13-104: State license and registration application and issuance.
Use the free public lookup run by the Nationwide Mortgage Licensing System and Registry (NMLS), Consumer Access, at NMLSConsumerAccess.org. It shows each loan officer's NMLS number, licenses by state, 10-year employment history, and any state regulatory actions, and it indicates whether the person is authorized to conduct business.
Sources: NMLS Policy Guide: MU4 Credit Report.
Use NMLS Consumer Access (NMLSConsumerAccess.org), a free public website where anyone can search for licensed mortgage companies and loan originators by name, NMLS ID, or state license number. The record shows license status by state, employment history for the past 10 years, and any state regulatory actions, with an indicator of whether the person is authorized to conduct business.
Sources: NMLS — Information about NMLS Consumer Access.
You can verify any loan officer or mortgage company through Nationwide Multistate Licensing System (NMLS) Consumer Access, a free public website that shows current licensing status, employment history, and regulatory actions. Search by name, NMLS ID, or city and state. Michigan's Department of Insurance and Financial Services also maintains a Mortgage Loan Originator Licensee Locator on its website.
Sources: Michigan DIFS: Mortgage Loan Originator licensing page; Michigan DIFS: Schedule of Fees — Mortgage Loan Originator (2026).
You can verify any Minnesota loan officer through NMLS Consumer Access (NMLSConsumerAccess.org), the free public lookup required by the SAFE Act. Records show the officer's NMLS unique identifier, licenses by state and status, employment history, and state regulatory actions. A license with an Approved status can be used to conduct business; one with an Approved-Inactive status cannot.
Sources: Minn. Stat. §58A.03: License and registration required; Minn. Stat. 58A.04: MLO license application and issuance via NMLS.
You can verify any loan officer or mortgage company through NMLS Consumer Access (www.NMLSConsumerAccess.org), a free public lookup that shows an individual's NMLS ID, employment history, license status, and whether they are authorized to conduct business. Search by NMLS ID or full legal name. The Consumer Financial Protection Bureau confirms this as the standard way to check whether a company or professional is permitted to make or broker mortgage loans.
Sources: RSMo 443.706: Licensure required, exemptions; RSMo 443.711: MLO application form, NMLS, fees.
Search NMLS Consumer Access (nmlsconsumeraccess.org), a free service where you can look up any mortgage loan originator by name, company, or NMLS number and see license status, employment history, and regulatory actions. Nebraska does not issue paper licenses, so the NMLS record is the verification. You can also ask the Nebraska Department of Banking and Finance about disciplinary orders against an individual or company.
Sources: NMLS: Nebraska state-specific PE and CE requirements for MLOs; Nebraska NDBF: MLO licensing application FAQ (2021).
Search NMLS Consumer Access, the free public website at NMLSConsumerAccess.org, which shows whether a loan officer or company is licensed and authorized to conduct business in your state. The Consumer Financial Protection Bureau also recommends checking with your state regulator, for Nevada the Division of Mortgage Lending, for any disciplinary actions.
Sources: NMLS: Nevada state-specific PE and CE requirements for MLOs; Nevada MLD: residential/commercial MLO FAQ.
You can search for and verify loan officers through NMLS Consumer Access, the national website the New Hampshire Banking Department points consumers to for verifying mortgage companies, branch offices, and mortgage loan originators. The site shows each originator's license status and history.
Sources: NMLS: New Hampshire State PE and CE Requirements for MLOs; NH Banking Department: Mortgage Bankers, Brokers, Servicers, Originators.
You can verify any loan officer or company you are considering through NMLS Consumer Access, a free service that shows whether a financial-services professional is authorized to conduct business in New Jersey. You can also check with the state regulator to see whether any order of disciplinary action has been issued against the individual or company.
Sources: NJ DOBI: Mortgage Loan Originator license requirements; NJ DOBI: New Jersey-specific requirements for new MLO applicants.
Use NMLS Consumer Access (NMLSConsumerAccess.org), a free public website where you can search loan officers and companies by name, NMLS number, or city and state. Each record shows the license status by state and whether the person is authorized to conduct business. You can also check disciplinary actions with the New Mexico Financial Institutions Division, which investigates complaints against licensed firms and individuals.
Sources: NMLS: New Mexico state-specific PE and CE requirements for MLOs; New Mexico FID: FAQs (mortgage loan companies and originators).
You can verify any loan officer or mortgage company through NMLS Consumer Access, a free service where you can see whether a financial-services company or professional is authorized to conduct business in your state. The Consumer Financial Protection Bureau confirms this database and notes that you can usually check for disciplinary actions against an individual or company with the state regulator, the New York Department of Financial Services.
Sources: N.Y. Banking Law § 590: Definitions; registration required; N.Y. Banking Law § 591-a: Application to register as a mortgage broker; fees.
The Nationwide Multistate Licensing System and Registry (NMLS) offers a free public search site, NMLS Consumer Access, where you can look up licensed mortgage companies and loan originators and see whether they are authorized to conduct business in your state. It shows license status, such as Approved or Approved-Inactive. Disciplinary action information can also be checked with the state regulator, the North Carolina Office of the Commissioner of Banks.
Sources: North Carolina Commissioner of Banks: MLO licensing requirements; NCCOB: NC prelicensing education requirements.
Use NMLS Consumer Access, a free public search website (NMLSConsumerAccess.org), to confirm that a loan officer or mortgage company is authorized to do business in Ohio. The site shows license status by state, employment history for the past 10 years, and state regulatory actions, without exposing personal identifying information. You can also check with the state regulator for disciplinary orders against a specific loan originator or company.
Sources: NMLS — Consumer Access Info.
You can use NMLS Consumer Access, a free searchable website (NMLSConsumerAccess.org), to look up licensing information for loan originators and mortgage companies. Pending applications are not shown, but approved licenses are, and the display states whether each licensee is authorized to conduct business. You can also check for orders of disciplinary action with the Oklahoma Department of Consumer Credit.
Sources: Oklahoma DOCC: Mortgage Loan Originator license page; NMLS: Oklahoma state-specific PE and CE requirements for MLOs.
Search NMLS Consumer Access, the free lookup service from the Nationwide Multistate Licensing System and Registry, to see whether a loan officer or mortgage company is authorized to do business in your state. To check for disciplinary orders against an individual or company, contact the Oregon Division of Financial Regulation at 503-378-4140.
Sources: Oregon DFR: Mortgage loan originator licensing FAQ; NMLS: Oregon state-specific PE and CE requirements for MLOs.
Use NMLS Consumer Access, the free public search site at nmlsconsumeraccess.org, to find and verify loan originators and mortgage companies in your state. You can search by the originator's NMLS ID, full legal name, or state license number and view the licensing status. The Consumer Financial Protection Bureau directs consumers to this same site to confirm whether a person or company is permitted to make or broker mortgage loans.
Sources: 7 Pa.C.S. Chapter 61: Mortgage Loan Industry Licensing and Consumer Protection (Pennsylvania Mortgage Licensing Act); NMLS: Pennsylvania State-Specific Education Requirements (PE and CE) for MLOs.
You can find and verify a loan officer through NMLS Consumer Access (NMLSConsumerAccess.org), a free public search site run by the licensing system. Search by name, NMLS ID, company, or location to see current license status, employment history, and any regulatory actions.
Sources: NMLS: Rhode Island state-specific PE and CE requirements for MLOs; 230-RICR-40-10-2: Lenders, Loan Brokers, Small Loan Lenders, Third-Party Loan Servicers and Mortgage Loan Originators (RI DBR regulation).
Use NMLS Consumer Access, a free public lookup at nmlsconsumeraccess.org. You can search by name, company, city, state, ZIP code, NMLS ID, or license number to confirm a loan officer is authorized to do business in South Carolina. For disciplinary action orders against an individual or company, you can also contact the state regulator, either the Board of Financial Institutions or the Department of Consumer Affairs.
Sources: NMLS: South Carolina (SC - BFI) state-specific PE and CE requirements for MLOs; NMLS: South Carolina (SC - DCA) state-specific PE and CE requirements for MLOs.
Start with the Nationwide Mortgage Licensing System & Registry (NMLS) Consumer Access site, a free public website where you can confirm a loan officer's license status, employer, and any state regulatory actions. You can also check for disciplinary orders with the Tennessee Department of Financial Institutions. Individual records show the person's NMLS unique ID, 10 years of employment history, and sponsorship.
Sources: NMLS — Consumer Access Info.
NMLS Consumer Access, at nmlsconsumeraccess.org, is a free public lookup where anyone can verify a mortgage professional's credentials and license status, including whether the originator is authorized to conduct business. A Texas loan originator license is valid statewide, with no commutable-distance requirement, so an active license authorizes the holder to work anywhere in Texas.
Sources: Texas OCCC: Residential Mortgage Loan Originators; Texas SML: Mortgage origination FAQs.
You can verify any loan officer through NMLS Consumer Access, a free lookup service at nmlsconsumeraccess.org. It shows whether a financial-services company or mortgage professional is authorized to conduct business in Utah. You can usually check for disciplinary orders against the individual or company with the state regulator as well.
Sources: Utah Admin. Code R162-2c-201: Licensing and Registration Procedures (LII mirror); Utah Admin. Code R162-2c-204: License Renewal, Reinstatement, and Reapplication (LII mirror).
Use NMLS Consumer Access, the free lookup service run by the Nationwide Mortgage Licensing System & Registry, to see whether a loan officer or company is authorized to make or broker mortgage loans in your state. To check whether a disciplinary order has been entered against an individual or company, contact the state regulator, which in Virginia is the Bureau of Financial Institutions.
Sources: Va. Code § 6.2-1702. Application for license; form; content; fee; Va. Code § 6.2-1707. Other conditions for mortgage loan originator licensing.
You can look up a loan officer free of charge on NMLS Consumer Access (NMLSConsumerAccess.org), the public website the federal SAFE Act requires. Search by the individual's NMLS ID or name to see license status, employer, and state regulatory actions. The Consumer Financial Protection Bureau (CFPB) also directs consumers to state regulators to check for disciplinary orders.
Sources: Washington DFI: Mortgage Loan Originators Licensing; Washington DFI: MLO Pre-Application Requirements (testing, education).
Use NMLS Consumer Access, the free public lookup at nmlsconsumeraccess.org, maintained by the Nationwide Mortgage Licensing System and Registry. It shows whether a loan officer or company is authorized to conduct business in your state, including West Virginia. Disciplinary orders can usually be checked with the state regulator, the West Virginia Division of Financial Institutions.
Sources: W. Va. Code 31-17A-4: State license application and issuance (SAFE Mortgage Licensing Act); W. Va. Code 31-17A-5: Issuance of license (required findings).
Use NMLS Consumer Access, the free public lookup site at NMLSConsumerAccess.org. It shows a Wisconsin loan officer's license status, unique NMLS ID, sponsorship, employment history for the past 10 years, and state regulatory actions. Disciplinary actions can also be checked with the Wisconsin Department of Financial Institutions (DFI).
Sources: NMLS — Consumer Access Info.
You can find and vet a licensed loan officer through NMLS Consumer Access at NMLSConsumerAccess.org, a free public database required by the SAFE Act. It shows each loan originator's unique ID, license status by state, employer sponsorship, and any state regulatory actions. You can also check for disciplinary orders with the Wyoming Division of Banking.
Sources: Wyoming Division of Banking: Mortgage Loan Originators (Residential Mortgage Practices Act); Wyoming Division of Banking: UCCC Mortgage Loan Originators (consumer lending).