How do I look up a company in NMLS Consumer Access?

NMLS Consumer Access is the public half of the licensing system, and it is the right first stop for verifying any company that claims a license in an NMLS state. Open the company record and read it state by state: an approved status on the specific license type in the specific state is what authorizes activity there. A record that exists but lists other states, or a status other than approved, is not clearance.

Know the search's limits before relying on it. Only license types administered through NMLS appear, so a collection agency licensed in a direct-filing state can be fully authorized and still absent from Consumer Access; those states publish their own license lookups. Individual records in the system are mostly mortgage loan originators, so for collection agencies the company record is the one that matters. When the company you are checking does not appear, work through the state regulator's search instead, as covered in our verification guide.