Getting Started: Mortgage Loan Originator

Step 1 - Speak with your Company

The NMLS is an official system of record with your state regulator so it is important that you coordinate your use of this system with your employer.

Step 2 - Determine if you or your company is going to create and submit your record in NMLS

Either you or your company can complete your first Form MU4 in NMLS. The entity who creates the first Form MU4 will be the entity required to pay when it is submitted to the regulator(s). If your company is creating your first Form MU4, you should STOP here and wait for notification from your company.

Step 3 - Getting Prepared

Step 4 - Create an Account

Before logging in to NMLS you will need to create an account.  Click on the "Log in to NMLS" button above and then select “Create an Individual Account.”  The Quick Guide: Creating an Individual Account will help walk you through setting up your account.

Step 5 - What does my state require?

Review the jurisdiction-specific requirements for the state in which you are using NMLS to apply for a license or transitioning an existing license.  You can print out a checklist of jurisdiction-specific requirements by going to the State Licensing Resource Page.

Step 6 - Login & Complete or Review Your Record

You are now ready to login to NMLS.

If your company is creating your first Form MU4, you should wait for notification from them that they have created it and sent it to you. Once they have sent it, you will now need to login to NMLS, review your Form MU4, and attest to its accuracy. Simple instructions on this procedure can be found on the Attestation Quick Guide.

If you are completing your first Form MU4, you should login to NMLS, identify the jurisdictions in which you are or would like to be licensed, complete Form MU4, pay any associated fees and submit it to the relevant regulator(s). Simple instructions on this procedure can be found here: Loan Originator Form MU4 Filing Quick Guide.

Step 7 - SAVE YOUR USER ID AND PASSWORD!

You will need to access the NMLS whenever you change companies and at least once a year to update your record. Keep your User ID and Password in a secure place but not so secure that you forget it!