How do I find a mortgage loan officer?
The Nationwide Mortgage Licensing System and Registry (NMLS) offers a free public directory, NMLS Consumer Access, where you can search for mortgage loan originators by name or company and confirm each holds an active state license. Records show whether the originator is authorized to conduct business, along with employment history and state regulatory actions. You can also ask your state regulator about any disciplinary orders.
You can locate a licensed mortgage loan officer through NMLS Consumer Access at nmlsconsumeraccess.org, a free service where consumers confirm that a professional is authorized to conduct business in their state. Search by name, company, city, state, zip code, NMLS ID, or license number. Disciplinary history can be checked with the Alabama 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).
Search the free NMLS Consumer Access website (NMLSConsumerAccess.org) by name or NMLS Unique ID. A record shows the loan officer's licenses and status, sponsorships, employment history, and state regulatory actions; only approved licenses appear, not pending applications. You can also verify disciplinary actions through the Alaska Division of Banking and Securities, which licenses mortgage loan originators in the state.
Sources: Alaska DBS: Mortgage Loan Originator New Application Checklist (Rev. 05/2025); Alaska DBS: Mortgage Broker/Lender New Application Checklist (Rev. 05/2025).
Use NMLS Consumer Access (nmlsconsumeraccess.org) to find and verify a mortgage loan officer. The free search covers name, company, city, state, ZIP code, and NMLS ID, and shows the officer's current licensing status, employment history, and disciplinary history. The best results come from the full NMLS ID or state license number.
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, the free public search at nmlsconsumeraccess.org. It lists mortgage loan officers licensed by participating state regulators, including those licensed by the Arkansas Securities Department, along with their NMLS ID and authorization status. The search also covers mortgage companies and their branches.
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, a free service from the Nationwide Multistate Licensing System (NMLS), to confirm a loan officer is licensed in California and to view the sponsoring company. The Consumer Financial Protection Bureau directs consumers to this registry. Disciplinary history is also viewable there, and state regulators can supply orders of disciplinary action on request.
Sources: California DRE: MLO License Endorsement Information; California DRE: How to Obtain a Mortgage Loan Originator License (RE 19).
Search NMLS Consumer Access, a free public website maintained by the Nationwide Multistate Licensing System (NMLS). It lets you verify whether a mortgage loan officer is authorized to conduct business in Colorado and view employment history and dates of licensure. Disciplinary orders against a loan officer can be checked with the Colorado Division of Real Estate.
Sources: Colorado Division of Real Estate: MLO steps for initial licensure; Colorado DRE: MLO application instruction guide (incl. temporary authority).
Mortgage loan originators can be found through NMLS Consumer Access, a free search tool run by the Nationwide Multistate Licensing System (NMLS). Search by individual name, city, state, or zip code, and use the 'Any Regulator' drop-down to filter for Connecticut. Each result shows the originator's NMLS ID and contact details, and a Regulator field displaying 'Connecticut' confirms an active state license.
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.
Delaware's Office of the State Bank Commissioner maintains a public list of approved mortgage loan originators on its website. You can also use NMLS Consumer Access, a free service, to search by name, company, or NMLS ID and confirm a loan officer is licensed and in good standing. Your state regulator can also tell you whether any disciplinary orders have been issued against a loan originator or company.
Sources: 5 Del. C. Ch. 24: Mortgage Loan Originators (Delaware SAFE Act); 5 Del. Admin. Code § 2401-5.0: Fees (Regulation 2401).
NMLS Consumer Access is a free website maintained under the SAFE Act where you can search state-licensed individuals and companies and see whether they are authorized to conduct business. In Florida, the Office of Financial Regulation's Verify a License tool confirms licensure and shows final administrative actions against a licensee. Together the two services let you confirm that the loan officer you are considering holds an active license before you share an application.
Sources: Fla. Stat. 494.00312: Loan originator license; Fla. Stat. 494.00313: Loan originator license renewal.
Look the person up on NMLS Consumer Access at NMLSConsumerAccess.org, the free public site the federal SAFE Act requires NMLS to provide. It shows licensing status and whether the loan officer is authorized to conduct business in your state, and state regulators can post disciplinary actions to the same record.
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).
Look the person up on NMLS Consumer Access at NMLSConsumerAccess.org, a free public search with no login required. You can search by the loan officer's full legal name, NMLS ID, or state license number, and the record shows current licensing status by state, employment history, and regulatory actions. Confirm the license shows an "Approved" status in Hawaii before working with the person; disciplinary matters can also be checked with the Hawaii Division of Financial Institutions (DFI).
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).
NMLS Consumer Access lets anyone search a mortgage loan officer by name or NMLS number and confirm the person is licensed and authorized to conduct business in their state. For disciplinary history, check with the state regulator, such as 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.
Search NMLS Consumer Access at nmlsconsumeraccess.org, the free public site the SAFE Act mandates. You can look up a loan officer by name, company, city, state, postal code, or NMLS ID number, and confirm the license is in an authorized status in Illinois. Each individual's record also shows employment history, licenses by jurisdiction, and sponsorship history.
Sources: Illinois IDFPR: Mortgage loan originator (official MLO licensing page); IDFPR: Mortgage Loan Originator Frequently Asked Questions.
Start with NMLS Consumer Access (www.NMLSConsumerAccess.org), the free service the Consumer Financial Protection Bureau identifies for checking whether a loan officer is permitted to make or broker mortgage loans in your state. Search by name or company to see license status, sponsorship, employment history, and state regulatory actions. Loan officers sponsored by Indiana companies appear there once their licenses are approved.
Sources: Indiana DFI: MLO FAQ (updated 08/26/2025); NMLS: Indiana (IN - DFI) state-specific PE and CE requirements for MLOs.
You can find and verify a mortgage loan officer through NMLS Consumer Access (www.NMLSConsumerAccess.org), a free public search site from the Nationwide Mortgage Licensing System and Registry (NMLS). A search by name returns the officer's NMLS unique ID, license status in each state, employment history for the past 10 years, and any state regulatory actions. Records also show whether the officer's license is "authorized to conduct business" and which company sponsors it.
Sources: NMLS — Consumer Access Info.
NMLS Consumer Access (nmlsconsumeraccess.org) is a free tool for finding a mortgage loan officer and confirming the license is active. You can search by name, city, state, zip code, NMLS ID, or license number, and filter records to individuals or by regulator. The site is updated nightly on business days and does not include applications not yet approved by the state.
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.
You can find and verify a mortgage loan officer through NMLS Consumer Access at NMLSConsumerAccess.org, the free public lookup tied to the Nationwide Multistate Licensing System & Registry. Search by the person's NMLS unique ID or legal name to see whether the registration is approved, along with employment history, sponsorship companies, and any regulatory actions. For Kentucky, the Department of Financial Institutions also provides its own License Lookup tool.
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.
Search for a mortgage loan officer through NMLS Consumer Access, the public portal of the Nationwide Multistate Licensing System. You can look up any loan officer or company, and each profile shows the license status, the states where they are authorized to lend, and any regulatory actions.
Sources: La. R.S. 6:1086: Licensure requirement; La. R.S. 6:1088: Application for licensure; surety bond.
Start with NMLS Consumer Access (www.NMLSConsumerAccess.org), the free public database that the CFPB and the Maine Bureau of Consumer Credit Protection point consumers to. Search by the officer's name, NMLS ID, or state license number to verify the license and view employment history and any disciplinary actions. Only an "Approved" status means the officer is authorized to originate mortgage 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.
Search NMLS Consumer Access (NMLSConsumerAccess.org), the free lookup service of the Nationwide Mortgage Licensing System and Registry (NMLS), to find licensed mortgage loan officers in your area. Each record shows the officer's NMLS number, employer, licenses by jurisdiction, and any state regulatory actions, so you can confirm the person is authorized to conduct business in Maryland.
Sources: Md. Code Fin. Inst. §11-606: Prelicensing education; Md. Code Fin. Inst. §11-604: License application and fees.
Use NMLS Consumer Access (NMLSConsumerAccess.org), the free public lookup for the Nationwide Multi-State Licensing System (NMLS). You can search by NMLS ID, full name, or state license number, and each record shows the person's license status in each state, sponsoring company, and any disciplinary actions. Only a record showing the originator is authorized to conduct business means the license is active.
Sources: Massachusetts Division of Banks: Apply for a Mortgage Loan Originator license; 209 CMR 41.00: The Licensing of Mortgage Loan Originators (full text, Final Amendments effective 1/10/20).
Use NMLS Consumer Access (NMLSConsumerAccess.org), a free website where you can search by legal name, NMLS ID, or city and state. It shows whether a loan originator is licensed in Michigan, along with employment history and regulatory actions. The Department of Insurance and Financial Services also provides a Mortgage Loan Originator Licensee Locator on its website for verifying licensees.
Sources: Michigan DIFS: Mortgage Loan Originator licensing page; Michigan DIFS: Schedule of Fees — Mortgage Loan Originator (2026).
Use NMLS Consumer Access (NMLSConsumerAccess.org), a free public search site the SAFE Act requires. Look up the loan officer's NMLS unique identifier to see the Minnesota license status, a 10-year employment history, the sponsoring company, and any state regulatory actions. A status of "Approved" with authorization to conduct business means the license is active.
Sources: NMLS — Consumer Access Info.
Ask for referrals from your real estate agent, attorney, or friends, or search lenders' websites, then verify the person before you apply. NMLS Consumer Access (www.NMLSConsumerAccess.org) lets you search by NMLS ID or name to confirm the loan originator is licensed and authorized to conduct business, along with employment history. You can also check for orders of disciplinary action with the Missouri Division of Finance.
Sources: RSMo 443.706: Licensure required, exemptions; RSMo 443.711: MLO application form, NMLS, fees.
You can verify any Montana mortgage loan officer through NMLS Consumer Access, a free public lookup at NMLSConsumerAccess.org. Search by name, NMLS number, or city and state, and the results show current licensing status and any regulatory or disciplinary history. Montana's Division of Banking and Financial Institutions does not issue paper licenses, so the NMLS record is the official proof of licensure.
Sources: MCA 32-9-107: Prelicensing education requirements for mortgage loan originators; ARM 2.59.1752: State-specific prelicensing education.
To find a mortgage loan officer, use the free NMLS Consumer Access site at nmlsconsumeraccess.org, run by the Nationwide Multistate Licensing System (NMLS). You can search by name, city, state, or ZIP code, then verify the license status, employment history, and any regulatory actions before you make contact. Nebraska does not issue paper licenses, so the NMLS record is the official verification.
Sources: NMLS: Nebraska state-specific PE and CE requirements for MLOs; Nebraska NDBF: MLO licensing application FAQ (2021).
The free tool is NMLS Consumer Access (www.NMLSConsumerAccess.org), which lists every state-licensed mortgage loan originator and company and shows whether they are authorized to conduct business in Nevada. The Consumer Financial Protection Bureau recommends it for verifying that a company or person is permitted to make or broker mortgage loans. For disciplinary history, contact the Nevada Division of Mortgage Lending.
Sources: NMLS: Nevada state-specific PE and CE requirements for MLOs; Nevada MLD: residential/commercial MLO FAQ.
Search the free Nationwide Multistate Licensing System (NMLS) Consumer Access website, which the New Hampshire Banking Department directs consumers to for looking up mortgage loan originators, mortgage companies, and branch offices. You can verify a loan officer's license status there, including the "Temporary Authority" status held by some originators while they finish state requirements.
Sources: NMLS: New Hampshire State PE and CE Requirements for MLOs; NH Banking Department: Mortgage Bankers, Brokers, Servicers, Originators.
You can find a mortgage loan officer through NMLS Consumer Access, a free service maintained by the Nationwide Multistate Licensing System and Registry (NMLS). It shows whether an individual or company is authorized to conduct business in New Jersey, along with regulatory actions posted to the record. The New Jersey Department of Banking and Insurance can also tell you whether a disciplinary order has been issued against a loan originator.
Sources: NJ DOBI: Mortgage Loan Originator license requirements; NJ DOBI: New Jersey-specific requirements for new MLO applicants.
Start with NMLS Consumer Access at NMLSConsumerAccess.org, the free public search site for professionals registered through NMLS. You can look up a loan officer by legal or trade name, NMLS identifier, or city, state, and ZIP code. Results show current licensing status by state, whether the officer is authorized to conduct business, and any regulatory or disciplinary history.
Sources: NMLS: New Mexico state-specific PE and CE requirements for MLOs; New Mexico FID: FAQs (mortgage loan companies and originators).
Use NMLS Consumer Access, the free public lookup the Nationwide Multistate Licensing System (NMLS) maintains. It shows whether a mortgage loan officer or company is authorized to conduct business in your state. The New York State Department of Financial Services can also tell you whether a disciplinary order has been issued against a specific loan officer or company.
Sources: N.Y. Banking Law § 590: Definitions; registration required; N.Y. Banking Law § 591-a: Application to register as a mortgage broker; fees.
Use NMLS Consumer Access at NMLSConsumerAccess.org, a free searchable lookup covering mortgage loan officers licensed or registered through NMLS. Each result shows the license status and an indicator of whether the originator is authorized to conduct business in North Carolina. You can also confirm disciplinary actions with 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 website where you can search by an originator's NMLS ID, full legal name, or state license number. Results show the states where the individual is licensed, employment history, and disciplinary history. Federal law also requires every originator to show a unique identifier on loan applications, business cards, solicitations, and websites, so you can ask for the number and verify it the same way.
Sources: NDCC Chapter 13-10: Mortgage Loan Originators (North Dakota Century Code); N.D. Admin. Code 13-08-01-01: Mortgage Loan Originator Fees.
Look up mortgage loan officers through NMLS Consumer Access (NMLSConsumerAccess.org), the free public search site of the Nationwide Multistate Licensing System (NMLS). You can search by name or company and see whether the loan officer's license status is Approved, meaning they are authorized to conduct business in Ohio, along with employment history and any state regulatory actions.
Sources: NMLS: Ohio state-specific PE and CE requirements for MLOs; Ohio Division of Financial Institutions: NMLS resources.
Use NMLS Consumer Access, the free public lookup for state-licensed mortgage companies and loan officers. It shows whether a person is authorized to conduct business in your state, along with any state regulatory actions taken against them. The federal Consumer Financial Protection Bureau points consumers to this same service to verify who is permitted to make or broker mortgage loans.
Sources: Oklahoma DOCC: Mortgage Loan Originator license page; NMLS: Oklahoma state-specific PE and CE requirements for MLOs.
The Nationwide Multistate Licensing System maintains a free service, NMLS Consumer Access, where you can search for a mortgage loan officer and see if they are authorized to conduct business in your state. Disciplinary actions against an individual or company can usually be checked with the state regulator, which in Oregon is the Division of Financial Regulation.
Sources: Oregon DFR: Mortgage loan originator licensing FAQ; NMLS: Oregon state-specific PE and CE requirements for MLOs.
Search NMLS Consumer Access (nmlsconsumeraccess.org), a free site where you can find mortgage loan originators by NMLS ID, full legal name, or state license number. The listing shows whether the person is permitted to make or broker mortgage loans in Pennsylvania. The Consumer Financial Protection Bureau directs consumers to this tool for verification.
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.
Use the free NMLS Consumer Access site at NMLSConsumerAccess.org. Search by the loan officer's NMLS ID, or by name, company, or city, state, and ZIP. You can view the officer's licenses, license status, employer sponsorships, 10-year employment history, and state regulatory actions. The site generally displays information the next business day after it is entered or approved in the licensing system.
Sources: NMLS — Consumer Access Info.
You can find a mortgage loan officer through NMLS Consumer Access, the free public search at nmlsconsumeraccess.org. Search by name, company, city, state, ZIP code, NMLS ID, or license number (a partial license number of at least two characters works) to confirm the originator is authorized to conduct business in your state. The service is free for consumers and does not include applications not yet approved.
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.
The free public registry NMLS Consumer Access, at NMLSConsumerAccess.org, lets you search for licensed mortgage loan originators in Tennessee and view each person's license number, status, employment history, sponsorship, and regulatory actions. You can also check for disciplinary orders with the Tennessee Department of Financial Institutions, which licenses loan originators in the state.
Sources: Tenn. Comp. R. & Regs. ch. 0180-17: Rules pertaining to mortgage lending, loan servicing and loan brokering; Tennessee Department of Financial Institutions: Mortgage Loan Originator license page.
Search NMLS Consumer Access at nmlsconsumeraccess.org, the free public database run by the Nationwide Multistate Licensing System. Each record shows a loan officer's license status, whether the person is authorized to conduct business, and which mortgage company sponsors the license. Because a licensed loan officer cannot originate loans without sponsorship by a licensed company, the record also helps you confirm the employer is properly credentialed.
Sources: Texas OCCC: Residential Mortgage Loan Originators; Texas SML: Mortgage origination FAQs.
NMLS Consumer Access, a free lookup at nmlsconsumeraccess.org, lists mortgage loan originators and financial-services companies authorized to do business in Utah. It shows the individual's licensing status, and you can verify any disciplinary actions with the state regulator.
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).
Search NMLS Consumer Access (www.NMLSConsumerAccess.org), the free website of the Nationwide Multistate Licensing System (NMLS). The Consumer Financial Protection Bureau confirms this service lets the public see whether a financial-services company or professional is authorized to conduct business in their state. Find a loan officer by name or NMLS ID and check that the license status is Approved and the individual is authorized to conduct business.
Sources: Washington DFI: Mortgage Loan Originators Licensing; Washington DFI: MLO Pre-Application Requirements (testing, education).
You can find licensed mortgage loan officers through NMLS Consumer Access at nmlsconsumeraccess.org. This free service shows whether a loan officer or company is authorized to conduct business in your state, along with their NMLS ID. Disciplinary action orders can usually be checked with the West Virginia Division of Financial Institutions, the state regulator.
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).
The free public search tool NMLS Consumer Access (www.NMLSConsumerAccess.org) lists every state-licensed mortgage loan officer in Wisconsin, along with their unique NMLS ID, license status, and authorization to conduct business. The listing also shows the loan originator's sponsoring company and employment history for the past 10 years, and the site updates within one business day of state approval.
Sources: NMLS — Consumer Access Info.
Search the person by name or NMLS unique ID on NMLS Consumer Access (NMLSConsumerAccess.org), a free site that shows whether a mortgage loan originator is authorized to conduct business in your state. The record lists the individual's licenses by state, current status, and sponsoring company. The Wyoming Division of Banking can also confirm whether any disciplinary action has been taken against the originator.
Sources: Wyoming Division of Banking: Mortgage Loan Originators (Residential Mortgage Practices Act); Wyoming Division of Banking: UCCC Mortgage Loan Originators (consumer lending).