How do I find a mortgage loan officer to work with?

Start with NMLS Consumer Access, a free searchable website where you can verify that a loan officer or company is authorized to do business in your state, searching by name, company, or NMLS ID. The CFPB recommends shopping several lenders or brokers and comparing loan terms before you choose, and asking whether a broker is involved in your transaction.

You can search for a licensed mortgage loan officer on NMLS Consumer Access, a free public website at nmlsconsumeraccess.org. Searches work by name, company, city, state, zip code, or NMLS ID, and the full NMLS ID returns the best results. The site shows whether a loan officer or company is authorized to conduct business in Alabama, though it does not list applications not yet approved. For disciplinary orders, you can also check with the Alabama State Banking Department.

Use NMLS Consumer Access at www.NMLSConsumerAccess.org, the free public search site of the Nationwide Multistate Licensing System (NMLS). The Consumer Financial Protection Bureau confirms you can verify there whether a company or loan originator is authorized to do business in Alaska. You can also check for disciplinary orders against an individual or company with the Alaska Division of Banking and Securities.

Use NMLS Consumer Access (nmlsconsumeraccess.org), a free public lookup run by the Nationwide Multistate Licensing System (NMLS), to find a licensed mortgage loan officer in Arizona. Search by name, company, city, state, or NMLS ID; results show current licensing status and disciplinary history. The Consumer Financial Protection Bureau also directs consumers to their state regulator to check for disciplinary orders.

Use NMLS Consumer Access at nmlsconsumeraccess.org, a free public search run by the Nationwide Mortgage Licensing System. You can search by name, company, city, state, or NMLS ID to confirm that a loan officer or mortgage company is authorized to do business in Arkansas. Disciplinary-action orders can be checked with the Arkansas Securities Department.

The Nationwide Multistate Licensing System (NMLS) offers a free verification service, NMLS Consumer Access, where you can confirm whether a loan officer or mortgage company is authorized to do business in California. The Consumer Financial Protection Bureau directs consumers to this service and also suggests checking with the state regulator for disciplinary orders against an individual or company.

Use NMLS Consumer Access, a free search site run by the Nationwide Multistate Licensing System and Registry (NMLS), to confirm that a company or loan originator is authorized to do business in Colorado. The Colorado Division of Real Estate can also tell you whether disciplinary action has been taken against a licensee.

Use NMLS Consumer Access, the free public search tool on the NMLS website. Search by company or individual name, city, state, zip code, NMLS ID, or license number. In the State Licenses/Registrations section, the Regulator field showing "Connecticut" confirms the person or company is licensed in the state, and the Lic/Reg Name field shows the license type.

Use NMLS Consumer Access, a free service for consumers to confirm that a financial-services company or loan originator is authorized to conduct business in their state. You can search by name, company, city, state, zip code, NMLS ID, or license number. You can also check with the state regulator about any order of disciplinary action against the individual or company.

You can search for licensed mortgage loan originators through NMLS Consumer Access (NMLSConsumerAccess.org), a free website that shows licensing information for state-licensed companies and individuals and whether they are authorized to conduct business in your state. Florida's Office of Financial Regulation also offers a Verify a License tool for checking OFR-licensed individuals and companies, including disciplinary actions.

Use the Nationwide Mortgage Licensing System (NMLS) Consumer Access site, NMLSConsumerAccess.org. It is free and shows whether a loan originator or company is licensed and authorized to conduct business in your state, along with employment history and publicly adjudicated disciplinary actions. Enforcement orders can also be checked with the state regulator, the Georgia Department of Banking and Finance.

Use NMLS Consumer Access, the free public search site of the Nationwide Multistate Licensing System & Registry (NMLS), to look up a loan originator by legal name, NMLS ID, or company. Records show current license status by state, employment history, and any regulatory or disciplinary actions. You can also check for disciplinary actions with the Hawaii Division of Financial Institutions.

Use NMLS Consumer Access, a free service at NMLSConsumerAccess.org. Anyone can search by name or NMLS number to see whether a mortgage loan originator or company is authorized to conduct business in their state. The Consumer Financial Protection Bureau recommends this tool, and you can also check with the state regulator for disciplinary orders.

Use NMLS Consumer Access at nmlsconsumeraccess.org, the free public site the SAFE Act requires. You can search by name, company, city, state, postal code, or NMLS ID, and view each originator's licenses, 10-year employment history, sponsorship history, and any state regulatory actions. Information entered in NMLS generally appears on the site the next business day. The Consumer Financial Protection Bureau also directs consumers to this site to verify who is authorized to make or broker mortgage loans.

Use NMLS Consumer Access at www.NMLSConsumerAccess.org, a free search website where you can verify whether a company or individual is authorized to conduct mortgage business in Indiana. Each record shows the person's NMLS unique identifier, 10 years of employment history, licenses by state with status, sponsorship, and any state regulatory actions. The Consumer Financial Protection Bureau (CFPB) identifies this service as the place to check before working with a loan originator.

Search NMLS Consumer Access, a free public website at www.NMLSConsumerAccess.org, to verify any mortgage loan officer licensed in Iowa. The record shows the originator's NMLS unique ID, licenses and statuses by state, employment history, and whether they are authorized to conduct business. For disciplinary orders, you can also contact the Iowa Division of Banking, the state's mortgage regulator.

You can locate a licensed mortgage loan originator through NMLS Consumer Access, a free public search at nmlsconsumeraccess.org. Searches cover both companies and individuals by name, company, city, state, zip code, NMLS ID, or license number. To check whether an order of disciplinary action has been issued against a loan originator or company, contact the Kansas regulator, the Office of the State Bank Commissioner (OSBC).

You can search for a licensed mortgage loan officer on NMLS Consumer Access (NMLSConsumerAccess.org), a free public site run by the Conference of State Bank Supervisors. Search by name, company, or NMLS ID, and confirm the record shows an approved status with "authorized to conduct business" set to yes. The Consumer Financial Protection Bureau also recommends checking with the state regulator for any disciplinary orders.

To find a licensed loan officer in Louisiana, use the NMLS Consumer Access portal at nmlsconsumeraccess.org, which the Louisiana Office of Financial Institutions recommends for verifying residential mortgage lending licenses. The free search shows a person's license status, the states they are authorized to lend in, and any regulatory actions. You can also ask any loan officer directly for their NMLS number and look it up there.

You can search for any licensed mortgage loan originator free of charge on NMLS Consumer Access at www.NMLSConsumerAccess.org, the public lookup site run under the federal SAFE Act. Search by the person's NMLS ID, full legal name, or state license number. Records show license statuses by state, sponsorship companies, and any regulatory actions. Only a clean Approved status means the originator can conduct business; Approved-Inactive means no active sponsorship.

Use NMLS Consumer Access, the free public lookup at NMLSConsumerAccess.org, to search any company or individual licensed or registered through NMLS and confirm whether they are authorized to conduct business in your state. The Consumer Financial Protection Bureau recommends this lookup and also suggests contacting the state regulator, in Maryland the Office of Financial Regulation, to check for disciplinary orders.

Search NMLS Consumer Access at NMLSConsumerAccess.org, the free public lookup site run by the Conference of State Bank Supervisors. You can search by name, NMLS ID, or state license number to see a loan officer's license status, employment history, and any regulatory actions. Each record shows whether the person is authorized to conduct business in your state, and the Massachusetts Division of Banks can also provide information on disciplinary orders.

You can look up any mortgage loan originator on NMLS Consumer Access, a free public website run by the Nationwide Multistate Licensing System & Registry. Search results show current licensing status, employment history, and regulatory actions, and no pending applications are displayed. Michigan's Department of Insurance and Financial Services also maintains a Mortgage Loan Originator Licensee Locator for verifying licensees in the state.

Use the Nationwide Multistate Licensing System (NMLS) Consumer Access site at NMLSConsumerAccess.org, a free public lookup required by the federal S.A.F.E. Act. Search by name or NMLS unique identifier to see a loan officer's licenses by state and status, 10-year employment history, sponsorship, and any state regulatory actions. Records generally appear the next business day after updates in NMLS.

Use NMLS Consumer Access (www.NMLSConsumerAccess.org), the free public lookup required under the SAFE Act. Search by name or NMLS unique ID to see a loan officer's license status, employment history, current employer, and any state regulatory actions, and confirm whether the person is authorized to conduct business in Missouri. The site requires no account or fee.

You can find and verify a mortgage loan officer on NMLS Consumer Access (nmlsconsumeraccess.org), a free service that anyone can search by name, company, or NMLS number. Nebraska does not issue paper licenses for this license type, so the NMLS record showing "Approved" status is the proof of licensure. The site also shows employment history and any regulatory actions.

Use NMLS Consumer Access (www.NMLSConsumerAccess.org), a free public website run by NMLS. Search the company or loan officer by name to view license status, employment history, and an "authorized to conduct business" indicator. The Consumer Financial Protection Bureau also recommends checking with the Nevada Division of Mortgage Lending for disciplinary actions against the individual or company.

Search NMLS Consumer Access, the national website where the public can verify licensing information for mortgage companies, branch offices, and mortgage loan originators. The New Hampshire Banking Department directs consumers to this system to confirm a loan officer is licensed before working with them.

Use NMLS Consumer Access, a free service of the Nationwide Multistate Licensing System (NMLS), to see whether a financial-services company or mortgage loan originator is authorized to conduct business in New Jersey. You can also check with the New Jersey Department of Banking and Insurance for any disciplinary orders against the individual or company.

You can search for and verify any loan officer on NMLS Consumer Access (NMLSConsumerAccess.org), a free public website run by the Nationwide Multistate Licensing System. Searches run by name, NMLS ID, or city and state, and each record shows license status by state, a 10-year employment history, and any regulatory actions.

You can search NMLS Consumer Access, a free service run by the Nationwide Multistate Licensing System, to find financial-services companies and professionals and see whether they are authorized to conduct business in New York. The Consumer Financial Protection Bureau confirms this service shows authorization status by state. You can also check for disciplinary actions against an individual loan originator or company with the state regulator.

Use NMLS Consumer Access (www.NMLSConsumerAccess.org), a free searchable website run by the Nationwide Multistate Licensing System that shows whether a mortgage company or loan originator is licensed and authorized to conduct business in your state. Information entered or changed in NMLS generally appears on the site the next business day. You can also check disciplinary action information with the state regulator, the North Carolina Office of the Commissioner of Banks.

Use NMLS Consumer Access, a free public lookup website at NMLSConsumerAccess.org. It shows licensing information for state-licensed companies, branches, and individuals, including license status by jurisdiction and state regulatory actions. The Consumer Financial Protection Bureau also suggests checking with your state regulator for disciplinary orders against an originator or company.

You can search NMLS Consumer Access at www.NMLSConsumerAccess.org, a free website where the public can view licensing information for state-licensed companies, branches, and individuals. To check whether a disciplinary order exists against a loan originator or company, you can also contact the state regulator, the Oklahoma Department of Consumer Credit, at (405) 521-3653.

Use NMLS Consumer Access, the Nationwide Multistate Licensing System's free lookup service, to see whether a financial-services company or loan originator is authorized to conduct business in your state. You can also check with the Oregon Division of Financial Regulation for any disciplinary order against the individual or company.

Search NMLS Consumer Access, the free public verification site for the Nationwide Mortgage Licensing System (NMLS), to find and vet a mortgage loan officer. You can search by the officer's NMLS ID, full legal name, or state license number to confirm the person and their company are authorized in your state. The Consumer Financial Protection Bureau directs consumers to this tool, and disciplinary actions can be checked with the state regulator, the Pennsylvania Department of Banking and Securities.

Use NMLS Consumer Access at www.NMLSConsumerAccess.org, a free site where you can search by an originator's name, NMLS number, company, or location. The results show current license status, the states where the person is authorized to do business, employment history, and any regulatory actions. The Consumer Financial Protection Bureau confirms this is the way to check whether a company or professional is permitted to make or broker mortgage loans in your state.

Use NMLS Consumer Access, a free public lookup at nmlsconsumeraccess.org. You can search by name, company, NMLS ID, license number, city, state, or ZIP code, and each record shows whether a mortgage company or loan originator is authorized to conduct business in your state. The Consumer Financial Protection Bureau identifies this as the place to verify a lender or broker before doing business with them.

You can verify any mortgage loan officer for free on NMLS Consumer Access (NMLSConsumerAccess.org), which shows the officer's NMLS unique ID, license numbers and statuses by state, employment history, and state regulatory actions. The Consumer Financial Protection Bureau also recommends checking for disciplinary orders with the state regulator, which for Tennessee is the Department of Financial Institutions.

Use NMLS Consumer Access, the free public lookup at nmlsconsumeraccess.org, to find and verify any licensed mortgage loan officer. It lets anyone verify a mortgage professional's credentials before working with them, and it displays the same license status the state recognizes, including temporary authority status for applicants still in review.

You can verify any financial-services company or mortgage professional for free through NMLS Consumer Access at nmlsconsumeraccess.org, which shows who is authorized to conduct business in your state. The federal Consumer Financial Protection Bureau states that disciplinary actions can usually be checked with the state regulator.

Use NMLS Consumer Access, the free public lookup service, to search any mortgage loan originator by name and confirm the individual is authorized to do business in Virginia. You can also check with the state regulator, the Virginia State Corporation Commission's Bureau of Financial Institutions, for any disciplinary orders against an originator or company.

You can find a licensed mortgage loan officer through NMLS Consumer Access (www.NMLSConsumerAccess.org), a free public website created under the federal SAFE Act. Search by name or NMLS ID to see each individual's license status and whether they are authorized to conduct business in your state. The record also shows 10 years of employment history, sponsorship, and any state regulatory actions. The Consumer Financial Protection Bureau confirms this is the way to verify a company or loan originator's authorization.

Use NMLS Consumer Access (nmlsconsumeraccess.org), the free lookup service of the Nationwide Mortgage Licensing System and Registry, to search any mortgage loan officer or company and confirm whether they are authorized to conduct business in West Virginia. To check for disciplinary action orders, contact the state regulator, the West Virginia Division of Financial Institutions, at (304) 558-2294.

You can verify any Wisconsin mortgage loan officer for free on NMLS Consumer Access (www.NMLSConsumerAccess.org), which shows the individual's unique NMLS ID, employment history for the past 10 years, license status by state, sponsorship, and regulatory actions. Disciplinary actions can also be checked with the Wisconsin Department of Financial Institutions. Consumer Access displays no personal identifying information such as Social Security numbers.

Use NMLS Consumer Access, a free public website at NMLSConsumerAccess.org. It lists licensing and registration information for companies, branches, and individuals licensed through NMLS, and shows whether each is authorized to conduct business. The Consumer Financial Protection Bureau recommends it for checking whether a company or professional is permitted to make or broker mortgage loans in your state.