What is an NMLS number?
An NMLS number, formally the NMLS Unique Identifier, is a permanent number the Nationwide Multistate Licensing System (NMLS) assigns to each company, branch, and individual that maintains an NMLS account. It stays with a mortgage loan originator across states and employers and supports uniform public access to employment history and disciplinary actions. Consumers can use it to verify credentials for free on NMLS Consumer Access.
An NMLS number is a unique identifier that the licensing system assigns to each state-licensed individual or company. It stays with you across states and employers, and the public can view it on NMLS Consumer Access alongside your license status, sponsorships, and 10-year employment history.
Sources: Alaska DBS: Mortgage Broker/Lender New Application Checklist (Rev. 05/2025).
An NMLS number is a permanent, unique identifier issued to each mortgage loan originator through the Nationwide Multistate Licensing System & Registry. Arizona loan originator applicants must obtain one before applying for a license. Federal law requires MLOs to disclose the number on loan applications, business cards, websites, and promotional materials.
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.
An NMLS number is the unique identifier permanently assigned to each company, branch, and individual when a record is created in the Nationwide Multistate Licensing System. It can never be changed. It becomes valid only once a state license (or its denial) or a federal registration has been issued, and anyone can verify it through the free NMLS Consumer Access search site.
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).
An NMLS number is the unique identifier assigned when you open an account with the Nationwide Multistate Licensing System (NMLS). State regulators, including California's DRE and DFPI, use it to track your license record, and loan originators must include the number in advertisements. The same number carries across every state license you hold.
Sources: California DRE: MLO License Endorsement Information; California DRE: How to Obtain a Mortgage Loan Originator License (RE 19).
An NMLS number is the unique identifier assigned to a mortgage loan originator upon registering with the Nationwide Multistate Licensing System and Registry (NMLS). Colorado licensees use it across all state licensing and renewal transactions, and the public can look it up on NMLS Consumer Access, which shows registration status, employment history, and dates of licensure free of charge.
Sources: Colorado Division of Real Estate: MLO steps for initial licensure; Colorado DRE: MLO application instruction guide (incl. temporary authority).
An NMLS number is a unique identifier issued through the Nationwide Mortgage Licensing System, the national platform Connecticut uses for mortgage licensing. Every licensed mortgage loan originator must register with NMLS and maintain a valid unique identifier. The public can verify any individual's number and license status through NMLS Consumer Access at no charge.
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.
An NMLS number is the unique identifier assigned to a mortgage loan originator through the Nationwide Multistate Licensing System (NMLS). Delaware law requires every licensed mortgage loan originator to register with NMLS and maintain a valid unique identifier. The number must appear clearly on all residential mortgage loan application forms, solicitations, and advertisements, including business cards and websites.
Sources: 5 Del. C. Ch. 24: Mortgage Loan Originators (Delaware SAFE Act); 5 Del. Admin. Code § 2401-5.0: Fees (Regulation 2401).
An NMLS number is the unique identifier assigned to each individual's record in NMLS, the national licensing system DC uses for mortgage licensing. DC law requires every mortgage loan originator to register with and maintain a valid NMLS unique identifier (D.C. Code § 26-1103). The public can use NMLS Consumer Access to verify an MLO's licensing status and history.
Sources: NMLS: District of Columbia State-Specific Education Requirements (PE and CE) for MLOs; D.C. Code § 26-1103: License Requirements.
Your NMLS number is the unique identifier assigned when you open an account with the Nationwide Mortgage Licensing System and Registry (NMLS). It functions like a Social Security number for mortgage loan originators: you keep the same number for your Florida license and for any additional state licenses you add. The public can look up your licensing information for free on NMLS Consumer Access.
Sources: Fla. Stat. 494.00312: Loan originator license; Fla. Stat. 494.00313: Loan originator license renewal.
An NMLS number is the unique identifier the Nationwide Multistate Licensing System assigns to each licensed mortgage company or loan originator. Consumers can verify your license status and employment history for free on NMLS Consumer Access, so many originators list their NMLS number on business cards and websites.
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).
An NMLS number is the unique, permanent identifier the Nationwide Multistate Licensing System (NMLS) assigns to each mortgage loan originator and company when they register. It functions like a Social Security number for the profession, and consumers can use it to look up your license record through the free NMLS Consumer Access service.
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.
An NMLS number is the unique identifier assigned to each mortgage company and mortgage loan originator in the Nationwide Multistate Licensing System and Registry (NMLS). License records, employment history, and regulatory actions are tied to it, and anyone can look it up for free on NMLS Consumer Access.
Sources: Illinois IDFPR: Mortgage loan originator (official MLO licensing page); IDFPR: Mortgage Loan Originator Frequently Asked Questions.
An NMLS number is the unique identifier assigned to each individual or company licensed through the Nationwide Multistate Licensing System (NMLS). Indiana mortgage loan originators use it on applications, sponsorships, and renewals, and the Indiana Department of Financial Institutions asks licensees to include it when emailing licensing questions. Anyone can verify a license for free on NMLS Consumer Access by searching the number.
Sources: Indiana DFI: MLO FAQ (updated 08/26/2025); NMLS: Indiana (IN - DFI) state-specific PE and CE requirements for MLOs.
An NMLS number is the unique identifier that the Nationwide Mortgage Licensing System & Registry issues to each licensed mortgage loan originator. Every Iowa licensee must register with NMLS and maintain a valid unique identifier. The number must appear on all residential mortgage loan application forms, solicitations, and advertisements, including business cards and internet sites, and the public can verify it free of charge on NMLS Consumer Access.
Sources: Iowa Code Chapter 535D: Mortgage Licensing Act (Iowa SAFE Act); Iowa Administrative Code 187—Chapter 19: Mortgage loan originators.
An NMLS number is the unique identifier the Nationwide Multistate Licensing System & Registry (NMLS) assigns to each mortgage loan originator. Kentucky requires every registered loan originator to maintain a valid NMLS unique identifier, and the Secure and Fair Enforcement (SAFE) Act requires the number to appear on certain loan documents and advertising. Anyone can look up a number on NMLS Consumer Access, a free public site showing licenses, employment history, and disciplinary actions.
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.
An NMLS number is the unique identifier that the Nationwide Multistate Licensing System assigns to every licensed loan officer and mortgage company. Louisiana law requires each mortgage loan originator to obtain and maintain a unique identifier, and consumers can verify any number for free through the NMLS Consumer Access portal.
Sources: La. R.S. 6:1086: Licensure requirement; La. R.S. 6:1088: Application for licensure; surety bond.
An NMLS number, or unique identifier, is the permanent ID that NMLS assigns to each licensed or registered loan originator and company. Maine law requires a licensed MLO to display it on loan applications and other materials, and consumers can use it to look up the holder's record on NMLS Consumer Access. The number never changes, even when the holder adds licenses in other states.
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.
An NMLS number is a permanent, unique identifier that stays with a mortgage loan originator throughout their career, even if they move between states. Federal law requires loan originators to disclose it on loan applications, business cards, websites, promotional materials, and residential mortgage documents. Consumers can verify it for free at NMLS Consumer Access.
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).
An NMLS number is a permanent, unique identifier assigned to each mortgage loan originator and lending company through the Nationwide Multistate Licensing System & Registry (NMLS). The number stays with the individual throughout their career. In Michigan, the law requires the identifier to be clearly shown on residential mortgage loan application forms, solicitations, and advertisements, including business cards and websites.
Sources: Michigan DIFS: Mortgage Loan Originator licensing page; Michigan DIFS: Schedule of Fees — Mortgage Loan Originator (2026).
An NMLS number is the unique identifier issued by the Nationwide Multistate Licensing System and Registry (NMLS). A licensed Minnesota mortgage loan originator must register with NMLS and maintain this valid identifier. Anyone can verify the license through NMLS Consumer Access using that number.
Sources: Minn. Stat. §58A.03: License and registration required; Minn. Stat. 58A.04: MLO license application and issuance via NMLS.
An NMLS number is the unique identifier assigned to each person licensed through the Nationwide Multistate Licensing System and Registry. Mississippi requires every licensed mortgage loan originator to maintain a valid NMLS unique identifier, and it links the originator's education, testing, sponsorship, and license records in one system. Consumers can search the number on NMLS Consumer Access to confirm a loan originator is authorized.
Sources: Mississippi SB 2508 (2025), as sent to Governor: S.A.F.E. Mortgage Act amendments (full text of 81-18-9, -11, -14, -15, etc.); Miss. Admin. Code Title 5 Part 2: DBCF Mortgage S.A.F.E. regulations, last amended 4/23/2026.
An NMLS number is the unique identifier that each licensed mortgage loan originator must register for and maintain through the Nationwide Mortgage Licensing System & Registry (NMLS). Missouri law requires every licensed MLO to hold this identifier. It identifies your record across jurisdictions and appears with your license status in NMLS Consumer Access, the free public lookup.
Sources: RSMo 443.706: Licensure required, exemptions; RSMo 443.711: MLO application form, NMLS, fees.
An NMLS number is a permanent, unique identifier assigned to each mortgage professional, and it stays with that person across states. Federal law requires mortgage loan originators to disclose the number on loan applications, business cards, professional websites, and residential mortgage documents. Consumers can search it on NMLS Consumer Access.
Sources: MCA 32-9-107: Prelicensing education requirements for mortgage loan originators; ARM 2.59.1752: State-specific prelicensing education.
An NMLS number is the unique identifier assigned to you when you create a record in the Nationwide Multistate Licensing System and Registry (NMLS). It is permanent and mandated by the SAFE Act. Once you are licensed, most state mortgage laws require you to include it on loan documents, websites, business cards, solicitations, and loan application forms. The identifier is not valid until a state license or federal registration is issued.
Sources: NJ DOBI: Mortgage Loan Originator license requirements; NJ DOBI: New Jersey-specific requirements for new MLO applicants.
An NMLS number is the permanent, unique identifier assigned to each mortgage loan originator upon registration in the system. It stays with you across states and employers. New Mexico requires the identifier to appear on every residential mortgage loan application, solicitation, and advertisement, including business cards and websites.
Sources: NMLS: New Mexico state-specific PE and CE requirements for MLOs; New Mexico FID: FAQs (mortgage loan companies and originators).
An NMLS number is the unique identifier the Nationwide Multistate Licensing System assigns to every registered company and licensed individual. New York requires the NMLS ID to appear on every hard-copy document submitted to the Department of Financial Services, and state law requires each licensed mortgage loan originator to hold a unique identifier. Consumers can use the free NMLS Consumer Access service to check whether a company or originator is authorized to do business in their state.
Sources: N.Y. Banking Law § 590: Definitions; registration required; N.Y. Banking Law § 591-a: Application to register as a mortgage broker; fees.
An NMLS number is a permanent, unique identifier that stays with a professional throughout their career, unlike state license numbers. North Dakota law requires the identifier to appear on all residential mortgage loan application forms, solicitations, and advertisements, including business cards and websites. Anyone can verify an NMLS number through the free NMLS Consumer Access site.
Sources: NDCC Chapter 13-10: Mortgage Loan Originators (North Dakota Century Code); N.D. Admin. Code 13-08-01-01: Mortgage Loan Originator Fees.
Your NMLS number identifies your record in the Nationwide Multistate Licensing System, the national system Ohio uses to issue and manage mortgage licenses. State-licensed mortgage loan originators must maintain a personal NMLS record in each state where they originate loans, and the public can verify a professional's license status through the free NMLS Consumer Access website.
Sources: NMLS: Ohio state-specific PE and CE requirements for MLOs; Ohio Division of Financial Institutions: NMLS resources.
An NMLS number is the unique identifier assigned to your record when you create an account in the Nationwide Multistate Licensing System & Registry. It tracks your applications, licenses, and education across states, and the public can search it on NMLS Consumer Access to view your licensing information.
Sources: Oklahoma DOCC: Mortgage Loan Originator license page; NMLS: Oklahoma state-specific PE and CE requirements for MLOs.
An NMLS number is the Unique ID that the Nationwide Mortgage Licensing System & Registry (NMLS) assigns to each individual and company record. In Tennessee, you receive one when you create your NMLS account to file your mortgage loan originator application. The public can use that number on NMLS Consumer Access to verify your license status, employment history, and any regulatory actions.
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.
An NMLS number is the unique identifier the Nationwide Mortgage Licensing System assigns to each company or individual record. It appears on NMLS Consumer Access alongside the person's employment history, license status by jurisdiction, and sponsorships, and Vermont law requires licensed originators to display it.
Sources: 8 V.S.A. 2102: Application for license; application and license fees; 8 V.S.A. 2103: Approval of application and issuance of license.
An NMLS number is the unique identifier issued to each mortgage loan originator through the Nationwide Multistate Licensing System and Registry. Virginia requires every applicant to register with a unique identifier, and it stays with the originator across employers and states. Consumers can use it to check an originator's licensing status for free on NMLS Consumer Access.
Sources: Va. Code § 6.2-1702. Application for license; form; content; fee; Va. Code § 6.2-1707. Other conditions for mortgage loan originator licensing.
An NMLS number is the unique identifier assigned to you when you register in the Nationwide Multistate Licensing System and Registry. West Virginia rule requires originators to display their legal name and NMLS ID in advertising, and consumers can search the number in NMLS Consumer Access to verify a license and its status.
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).
An NMLS number is the unique permanent identifier that the Nationwide Multistate Licensing System & Registry (NMLS) assigns to each individual and company that registers in the system. Wisconsin law requires every licensed mortgage loan originator to register with NMLS and maintain a valid unique identifier. Anyone can use the number, free of charge on NMLS Consumer Access, to look up a licensee's status, employment history, and state regulatory actions.
Sources: Wisconsin DFI: mortgage banking fees; Coverage gaps noted during research.
An NMLS number is the unique identifier assigned to each individual, company, or branch record in the Nationwide Mortgage Licensing System. Your Wyoming MLO license is tied to it, sponsoring companies reference it, and anyone can look it up for free on NMLS Consumer Access to see your license status and employment history.
Sources: Wyoming Division of Banking: Mortgage Loan Originators (Residential Mortgage Practices Act); Wyoming Division of Banking: UCCC Mortgage Loan Originators (consumer lending).