Mortgage Overview

The North Carolina Office of the Commissioner of Banks (NCCOB) regulates the following:

Mortgage Loan Originators

Mortgage Lenders and Brokers

Mortgage Servicers

Reverse Mortgages

Mortgage Originator Support Registration

Certain entities, primarily banks and credit unions, that are already regulated under a different set of laws can file a claim of exemption from licensure.

Latest News

• Please see the latest reporting requirements and due dates. 
• Stephanie Ryals has been appointed Deputy Commissioner for Non-Depository Entities, effective July 1, 2017. See memo.
• Ocwen Loan Servicing customers may click here for more information.
• November 1-December 31 - Mortgage license renewal period. File via NMLS.
• Print your Mortgage Loan Originator License or review the North Carolina Mortgage Loan Originator Licensing information.   
• Please see correspondence regarding registered MLO's: Jan. 20, 2016 memo,  Dec. 8, 2015 memo, Dec. 3, 2015 memo, Dec. 2, 2015 memo.
• Session Law 2015-293 makes certain changes to the NC SAFE Act, effective Nov. 1, 2015. Mortgage Origination Support Registration is now available on NMLS.