Mortgage Listings

The National Mortgage Authority directory compiles licensed mortgage professionals, lending institutions, and related service providers operating across the United States. Entries span mortgage brokers, loan officers, retail banks, credit unions, and non-bank lenders — each classified by license type, geographic service area, and loan product specialization. The listings function as a structured reference point for borrowers, real estate professionals, and researchers navigating the U.S. mortgage service sector.

What each listing covers

Each entry in the directory represents a licensed mortgage professional or institution verified against publicly available regulatory data. The Nationwide Multistate Licensing System and Registry (NMLS), administered under the authority of the Conference of State Bank Supervisors (CSBS), serves as the primary reference standard for licensing status. The NMLS Consumer Access portal allows verification of any listed individual or company using their assigned NMLS ID number.

Listings are classified across three primary categories:

1. Mortgage brokers — licensed intermediaries who originate loans on behalf of third-party lenders; required to hold a state-issued mortgage broker license in each state where they solicit or negotiate loans
2. Loan officers — individual originators employed by a lending institution; required to hold an NMLS unique identifier and complete the 20-hour pre-licensure education standard under the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act, 12 U.S.C. § 5101 et seq.)
3. Mortgage lenders and servicers — institutions that fund, purchase, or service mortgage loans directly; subject to federal oversight by the Consumer Financial Protection Bureau (CFPB) and, for depository institutions, the Federal Reserve, OCC, or FDIC depending on charter type

This tripartite structure reflects the directory's purpose and scope as a reference framework rather than a lead-generation platform.

Geographic distribution

The directory covers all 50 states and the District of Columbia. Licensing requirements differ materially by jurisdiction — a licensed mortgage broker in California operates under the California Department of Financial Protection and Innovation (DFPI) under the California Financing Law, while the same professional type in Texas is regulated by the Texas Department of Savings and Mortgage Lending (SML) under Texas Finance Code Chapter 156.

Entries are indexed at the state level and, where data permits, at the metropolitan statistical area (MSA) level as defined by the U.S. Office of Management and Budget. The 10 largest mortgage markets by loan origination volume — including the New York-Newark-Jersey City MSA, the Los Angeles-Long Beach-Anaheim MSA, and the Dallas-Fort Worth-Arlington MSA — have proportionally higher listing density due to licensee concentration.

Practitioners who hold multistate licenses through the NMLS appear with each active state license listed separately. A loan officer holding active licenses in 5 states appears with 5 distinct geographic service designations, not as a single national entry.

How to read an entry

Each directory entry follows a standardized field structure. A full entry includes:

• Entity name — legal business name or individual full name as registered with the NMLS
• NMLS ID — the unique identifier assigned by the Nationwide Multistate Licensing System
• License type — broker, lender, servicer, or loan officer, per the classification taxonomy above
• Active license states — jurisdictions where the licensee currently holds a valid, non-expired, non-revoked license
• Loan product focus — conventional, FHA, VA, USDA, jumbo, or reverse mortgage products where disclosed
• Institution affiliation — sponsoring employer for loan officers; parent company for branch listings

Loan product designations reference program categories as defined by the relevant insuring or guaranteeing agency: FHA programs are administered by the U.S. Department of Housing and Urban Development (HUD); VA loans by the U.S. Department of Veterans Affairs; USDA Rural Development loans by the U.S. Department of Agriculture. Conventional loan conforming limits are set annually by the Federal Housing Finance Agency (FHFA) under 12 U.S.C. § 4503.

For a structured walkthrough of entry fields and navigation conventions, see how to use this mortgage resource.

What listings include and exclude

Included:

• Active licensees with a current, standing license in at least 1 U.S. jurisdiction as reflected in the NMLS
• Institutions operating under a federal bank charter with mortgage origination or servicing functions
• Credit unions with mortgage lending programs regulated by the National Credit Union Administration (NCUA)

Excluded:

• Expired, surrendered, revoked, or suspended licensees — license status is the operative inclusion criterion
• Real estate attorneys offering settlement or closing services only, without a separate mortgage origination license
• Hard money lenders and private bridge lenders operating outside the SAFE Act licensure framework, where those entities are not subject to NMLS registration requirements
• Title companies, appraisers, and home inspectors — these are covered under separate verticals within the real estate reference network

The distinction between a mortgage broker and a mortgage banker (lender) is material to listing classification. Brokers do not fund loans; they submit applications to wholesale lenders who fund and close. Mortgage bankers fund loans from their own warehouse lines of credit and may retain or sell the resulting loans on the secondary market. Both categories require NMLS licensing, but the regulatory obligations, net worth requirements, and surety bond minimums differ by state — for example, California requires mortgage brokers to maintain a surety bond of at least $25,000 under California Financial Code § 22112, while lender bond requirements scale with origination volume.

Researchers cross-referencing these mortgage listings against state regulatory databases should consult the individual state licensing agency's public records in addition to NMLS Consumer Access, as state agencies maintain enforcement action histories not always reflected in the NMLS public-facing display.