North Carolina Mortgage Loan Originator Licensing
The “North Carolina Secure and Fair Enforcement (S.A.F.E.) Mortgage Licensing Act” as codified in
NCGS Chapter 53, Article 19B,
and also referred to as the NC SAFE Act, requires that the NC Commissioner of Banks ("NCCOB") license any person engaged in the business
of making or brokering residential mortgage loans, unless an exemption applies pursuant to
NCGS § 53-244.040(d).
A Mortgage Loan Originator (MLO) is an individual who for compensation or gain in the expectation
of compensation or gain, whether through contact by telephone, by electronic means, by mail, or
in person with prospective borrowers, either:
- Takes a residential mortgage loan application,
- Accepts or offers to accept applications for mortgage loans,
- Solicits or offers to solicit a mortgage loan,
- Offers or negotiates the terms or conditions of a mortgage loan, or
- Issues mortgage loan commitments or interest rate guarantee agreements to prospective borrowers.
Click on the link below to search for North Carolina mortgage licensees:
Login to the NCCOB Online website to print a license
Filing & Licensing Requirements
Filing Overview & Forms
MLOs should use the NMLS website
to submit a filing.
The initial application fee for an MLO is $206.25 (includes the NMLS processing fee of $30, a $15.00 credit report fee,
and a $36.25 criminal background check fee). Fees are not pro-rated, are non-refundable, and must be paid through
the NMLS system.
Please see NC Prelicensing (PE) standards.
Education courses for Prelicensing and Continuing education are found in
Who To Contact
Contact Christina Gering, NC Mortgage Licensing staff by phone at (919) 733-3080 or send your questions via e-mail to
for additional assistance with mortgage loan originator applications/amendments.