Mortgage loan originators, checked against real regulation — not a rate comparison
Anyone can put "loan officer" on a business card. Whether that person is actually licensed through the Nationwide Multistate Licensing System (NMLS) in your state, free of a kickback pattern under the Real Estate Settlement Procedures Act (RESPA), and actually gives you disclosures on time is a separate, checkable question almost nobody asks before signing.
Search our published findings
Searches our own published findings — not NMLS Consumer Access itself. Need the federal source directly? Here's how.
- No paid rankings
- Checked against NMLS Consumer Access or a regulator's own record
- A failing verdict never named — only a passing one
- No paid "verified originator" badge
Three guides to start with
All mortgage help guides →Verify a license
Verify an NMLS license yourself
A step-by-step walkthrough of NMLS Consumer Access — free, public, and required by federal law to exist.
Read the guide →Mortgage help: disclosures
The TRID timeline, and the RESPA rule behind it
Two federally mandated, specifically-timed documents — and the anti-kickback rule that's supposed to keep the referral clean in the first place.
Read the guide →Mortgage help: who is who
Know who you're actually dealing with
Broker, loan officer, or correspondent lender — three different roles with three different incentive structures, before you ever check a license.
Read the guide →Where we are right now
Check a loan officer →The standard is published, covering both the United States and Canada, and the Register (our list of checked originators) is open — 17 records checked so far, 0 full reviews completed, 0 listed — see Updates for a dated record of everything that changes from here.
One email when a new originator gets checked
A new Library deep-dive, and a heads-up every time the Register checks another originator — that's the whole point of checking rather than assuming. No launch hype, no lead-gen blasts, unsubscribe in one click.
Recently updated
All updates →October 9, 2026
Correction: our BC Mortgage Services Act page described the transition inaccurately
The page attributed a Designated Individual statement to BCFSA that we have not confirmed and treated the September 22, 2026 education date as upcoming. The page now describes the two Acts from their own text and the orders in council, with a dated note. Sources: Mortgage Services Act, Order in Council 350/2025, Mortgage Brokers Act.
October 9, 2026
Correction: our New Brunswick licensing page understated the fixed financial requirements
The page said the one fixed figure in New Brunswick's framework was $25,000 in working capital for mortgage administrators. Rule MB-001 also applies that minimum to a brokerage holding a trust-money endorsement and sets errors and omissions insurance minimums of $500,000 per occurrence and $1,000,000 per 365 days for brokerages and administrators. The page now says so, with a dated note. Sources: Rule MB-001 sections 7 and 8; Mortgage Brokers Act section 12.
October 9, 2026
Updated: how New Brunswick licenses mortgage brokers
Re-checked against the Mortgage Brokers Act, Rule MB-001 and the Commission's pages: eligibility by category, licence and endorsement fees, the $25,000 working-capital and $500,000/$1,000,000 insurance minimums, and the 2026 continuing education course and its March 31 deadline.