Criminal Background Check (CBC)

Any person looking to acquire their mortgage loan originator license (MLO) will need a criminal background check performed through the Nationwide Mortgage Licensing System & Registry (NMLS.)

Cost Involved:

Live Scan (electronic)                                                $36.25 CBC Processing Fee

OR

Paper Card Capture*                                                  $36.25 CBC Processing Fee

$10.00 Card Packet Fee

                                                                                           $46.25 Total

*The NMLS states paper card capture cost more due to manual processing of fingerprints.

Steps for Completing Criminal Background Check:

Step 1: Pay for a Criminal Background Check

Do you have an NMLS account yet? If not you will need to set this up at www.nationwidelicensingsystem.org If you already have one sign in and follow the steps below.

  • Click on the “Composite view” tab
  • Then select “View Individual” in the sub menu
  • Once here, select “view criminal background check request” on the left menu bar

Here you will need to pay for the background check, once this is done you will be able to schedule your appointment for fingerprinting.

Step 2: Schedule a Fingerprinting

You will need to setup an account with fieldprint before you can schedule an appointment. At the time of scheduling an appointment, you must have valid, unexpired, government-issued photo identification. Once setup with an account the MLO will be able to:

  • Check their appointments status
  • Re-schedule their appointment
  • View and print their receipt

If you have problems or questions with the system they have a customer service line that can be reached at 877-614-4361.

Step 3: Viewing CBC Results

Fingerprints are automatically processed by the FBI and sent to the NMLS within 48 hours of submission. Results can be seen in your NMLS account.


NMLS Criminal Background Check

8 thoughts on “NMLS Criminal Background Check

  • September 11, 2016 at 12:24 PM
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    Will a felony conviction that is 11 years old cause you to be denied?

    Reply
    • September 12, 2016 at 10:40 AM
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      To become a loan officer you cannot have any felonies within the last seven years. However, if your felony was related to financial services for example, theft, bribery, money laundering, etc. you will be unable to obtain your MLO license.

      Reply
  • October 20, 2016 at 5:14 PM
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    What about tax liens and bankruptcy? Can these be explain and approved?

    Reply
    • November 3, 2016 at 7:12 PM
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      Since each State has different criteria for being approved we recommend reaching out to the State you would like to be licensed in to discuss your options.

      Reply
  • November 2, 2016 at 7:24 PM
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    Would a recent misdemeanor M1 theft that was dismissed and expunged prevent you from being a Loan Officer?

    Reply
    • November 3, 2016 at 7:16 PM
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      Each State governs within their own laws, which means the NMLS has no control over this process. We recommend you reach out to the State you would like to be licensed in to discuss your options.

      Reply
  • February 23, 2017 at 10:49 AM
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    So what exactly is the purpose of the NMLS…what do they actually do for the States?

    Reply
    • February 23, 2017 at 4:34 PM
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      The NMLS was formed to handle all the licensing for MLO’s and brokers across the country.

      Reply

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