Any business involved in mortgage lending must be licensed by the N.C. Office of the
Commissioner of Banks (NCCOB) as a mortgage lender, broker, servicer or exclusive
mortgage broker. Any individual employed by one of these businesses who acts as a
mortgage loan originator must also be licensed. Certain lenders, primarily banks and
credit unions, that are already regulated under a different set of laws can file a
claim of exemption
from licensure requirements.
Mortgage Loan Originators
Mortgage Lenders and Brokers
NCCOB is a member of the Nationwide Mortgage Licensing System.
- Please review the Mortgage Renewal Page for information regarding company, branch, MLO, and EMB renewals. .
- Please see the latest reporting requirements and due dates for mortgage brokers, lenders and servicers. (Updated February 2014)
- Print your Mortgage Loan Originator License or review the North Carolina Mortgage Loan Originator Licensing information.
- September 13, 2013 memo to all mortgage licensees regarding changes to North Carolina law.
- S.L. 2012-37 makes certain changes to the N.C. Secure and Fair Enforcement Mortgage Licensing Act (NC SAFE). Please see NCCOB's memo and the updated Fee Schedule, effective Oct. 1, 2012.
- Mortgage rule regarding seller discounts for use of affiliated mortgage lender or broker has been approved by the Rules Review Commission. Please see our memo, the rule at 04 NCAC 03M .0602, and FAQs.
- Search Non-Depository Newsletter Archives here.
- View the Disclosure of Origination Fees under HUD's new RESPA rules letter that was emailed to all licensees on December 3, 2010.