How to Get NMLS Number
If you’re planning to work in the mortgage or loan industry in the United States, one of the first steps is getting your NMLS number. The Nationwide Multistate Licensing System (NMLS) is the official system used for licensing and tracking mortgage loan originators (MLOs) and other financial service professionals across states. Getting an NMLS number is a must for legal and professional reasons – and in this guide, we’ll walk you through every step to make the process simple and clear.
What is an NMLS Number?
An NMLS number is a unique identifier assigned to individuals and companies in the mortgage industry. This number allows regulators, employers, and clients to track your professional credentials, licensing status, and regulatory actions.
Step-by-Step Process: How to Get an NMLS Number
1. Create an Individual Account on the NMLS Website
Start by visiting the official NMLS website: nationwidelicensingsystem.org
- Click on “Log In to NMLS”
- Then, click on Request an Account
- Choose “Individual” and fill in your personal details (name, SSN, date of birth, etc.)
- Create a username and password
- Once submitted, you’ll receive your NMLS Unique Identifier – this is your NMLS number
✅ Tip: Save your login credentials securely – you’ll use them throughout your mortgage career.
2. Complete Pre-Licensure Education (PE)
To become a licensed Mortgage Loan Originator (MLO), you need to complete 20 hours of NMLS-approved pre-licensure education:
- 3 hours on federal law
- 3 hours on ethics
- 2 hours on non-traditional mortgage lending
- 12 hours of elective topics
Courses are available online or in-person through NMLS-approved providers.
✅ Choose a provider wisely – make sure they are listed on the NMLS website.
3. Pass the SAFE MLO Test
After completing your education, you must take and pass the SAFE MLO (Mortgage Loan Originator) test. This is a national exam that checks your knowledge of federal laws, ethics, mortgage practices, and more.
- Schedule the test through your NMLS account
- Cost: Around $110
- Format: 120 multiple-choice questions (75% is the passing score)
📌 If you fail, you must wait 30 days to retake the test. After 3 failures, you must wait 6 months.
4. Submit Fingerprints for a Criminal Background Check
The NMLS requires a criminal background check to ensure you’re eligible to work in the industry.
- Log in to your NMLS account and request a fingerprint appointment
- Use an NMLS-approved fingerprint vendor
- Pay the fingerprinting fee (usually $36.25)
🧾 Results are automatically updated in your NMLS profile once processed.
5. Authorize a Credit Report
Your financial responsibility matters in the loan industry, so you’ll also need to authorize a credit report:
- Log in and request a credit report through the NMLS
- Pay the associated fee (around $15)
- Make sure your credit is in good standing – issues like unpaid debts could delay your license approval
6. Apply for State Licensure
Now that you have your NMLS number and completed requirements, you need to apply for a license in the state(s) you plan to operate.
- Each state has its own requirements, fees, and documentation
- Submit the license application via your NMLS account
- Pay the required state licensing fees
- Upload necessary documents (proof of education, test results, business details if applicable)
💡 Some states may also require a surety bond or sponsorship by an employer.
7. Get Sponsored by an Employer (if applicable)
If you’re going to work under a mortgage company or bank, your employer must sponsor your license.
- Your employer must be registered in the NMLS system
- Once they add you as an employee, they’ll submit a sponsorship request
- You need to accept it in your NMLS account
8. Maintain and Renew Your License
Once licensed, you must:
- Complete 8 hours of continuing education (CE) annually
- Renew your license every year before December 31
- Keep your personal and employment information updated in NMLS
⏳ Failing to renew on time could result in a lapse of licensure.
Why Getting an NMLS Number Matters
- Legal Compliance: You cannot legally originate loans without it
- Transparency: Clients can verify your background and credentials
- Portability: One number stays with you across states and employers
- Career Growth: It’s a vital step to becoming a trusted professional in finance
Final Thoughts
Getting your NMLS number is a straightforward process, but it does take effort, time, and investment. From setting up your account and completing education to passing exams and applying for state licenses – each step matters in building a reputable career in mortgage and finance.
Start today, follow each step carefully, and you’ll be on your way to becoming a licensed Mortgage Loan Originator with your NMLS number in hand.
