If you’re ready to start a career as a Mortgage Loan Officer (MLO), the first step is obtaining your NMLS Number — your official license ID in the mortgage industry.
In this guide, you’ll learn exactly how to get an NMLS number, what it means, the licensing process, and how Loan Factory can help you start faster and smarter.
NMLS stands for Nationwide Multistate Licensing System & Registry — the nationwide database that tracks all licensed mortgage professionals and companies in the U.S.
When you apply, you’ll receive a unique NMLS ID number that stays with you for your entire mortgage career, even if you switch companies or move between states.
Your NMLS number verifies that you’re a qualified, licensed professional — and borrowers can look you up anytime on the official NMLS Consumer Access portal.
Who Needs an NMLS Number?
who is required to have an NMLS number?You must obtain an NMLS number if you plan to:
- Originate, broker, or process residential mortgage loans
- Work for a mortgage company, bank, or broker as an MLO
- Operate as an independent mortgage lender or broker
In short, anyone directly involved in helping consumers secure home loans must be registered and licensed through NMLS.
→ Read more: What can disqualify you from getting MLO license?
Step-by-Step: How to Get an NMLS Number?
How to Get an NMLS Number?Here’s a breakdown of the official process to become a licensed Mortgage Loan Originator (MLO) and receive your NMLS ID:
Step 1: Create an NMLS Account
Go to NMLS.org and click “Request an Account.”
Choose “Individual” and complete your personal profile — including name, date of birth, Social Security number, and contact info.
Once submitted, you’ll receive your NMLS ID number immediately.
This is your unique identifier — but it’s not yet your license.
Step 2: Complete the 20-Hour Pre-Licensing Education
You’re required to complete at least 20 hours of approved coursework from an NMLS-certified provider, which includes:
- 3 hours: Federal mortgage laws
- 3 hours: Ethics
- 2 hours: Nontraditional mortgage lending
- 12 hours: Elective topics
Many providers offer online or hybrid options, so you can finish in just a few days.
→ Read more: How to Pass the SAFE MLO Exam on Your First Try?
Step 3: Pass the SAFE MLO Test
The SAFE Mortgage Loan Originator Test is a national exam covering:
- Federal mortgage laws and ethics
- Loan origination and processing
- Uniform State Content (for most states)
You need a 75% or higher score to pass. Once passed, your results are stored in NMLS permanently.
Step 4: Complete Background and Credit Checks
To ensure consumer protection, all applicants must:
- Submit fingerprints for an FBI background check
- Authorize a credit report review
- Disclose any prior financial or criminal issues
Step 5: Submit the MU4 Form
Once you pass your course and exam, log into NMLS and submit Form MU4, which is your official individual license application.
This form lets you:
- Upload your education and test results
- Authorize background screening
- Select the state(s) where you want to be licensed
Step 6: Apply for State Licensure
Each state regulates mortgage licensing separately.
That means you must meet specific requirements and fees for the state(s) you want to operate in.
Some states require additional education or background checks.
Step 7: Get Sponsorship from a Licensed Mortgage Company
Most states require that your license be “sponsored” by an NMLS-approved mortgage company before it becomes active.
The sponsoring company verifies your employment and ensures compliance.
Loan Factory offers full sponsorship for new Loan Officers — guiding you from NMLS registration to your first closed loan.
Step 8: Maintain and Renew Your License
Each year, you must:
- Complete 8 hours of continuing education (CE)
- Renew your license through NMLS before the annual deadline (typically December 31)
Failing to renew may lead to license suspension — so set reminders!
→ Read more: How much does a Mortgage Loan Originator License Cost?
Tips to Succeed as a New Loan Officer
- Choose a brokerage that covers your NMLS sponsorship fees
- Use an all-in-one platform (like MOSO by Loan Factory) to manage clients, quotes, and compliance
- Keep your CE hours up to date
- Build credibility by maintaining a clean record and earning great client reviews
Loan Factory helps new and experienced Loan Officers grow faster with advanced tech, training, and top payouts.
Why Join Loan Factory
- 100% commission (flat $595 per file)
- No desk or junk fees
- Free MOSO platform — CRM, LOS, pricing, compliance, and marketing tools
- Access to 240+ lenders with instant rate comparison & 1-click lock
- In-house underwriting + $500 processing per file
- Company-generated leads in 42 states
- Mentorship from Thuan Nguyen, America’s #1 Loan Officer
- Weekly training + Loan Factory Academy
- Save ~$963/month by replacing multiple paid tools
- Best Price Guarantee helps attract borrowers automatically (terms)
Getting your NMLS number is your ticket into the fast-paced, rewarding world of mortgage lending.
By following these steps and partnering with the right team — like Loan Factory — you’ll be ready to launch your career with the tools, support, and mentorship you need to succeed.
Join Webinar Loan Factory Today. Start your NMLS journey and unlock your full earning potential.
→ Read more: Grow Faster with The Best FinTech Mortgage Platform In the US
Call 714-591-8143 for more details.
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FAQ: How to Get an NMLS Number
