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
    • 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.

    • 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.

    • 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.

  • What if you we’re fired from a job due to lying on an application? Does something like that keep you from getting a license?

    • As of right now we are unaware of any misdemeanors that would keep you from obtain your MLO license. We recommend reaching out to your State Licensing Department to see if they can provide additional information to you.

    • 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.

  • What if you have just completed a deferred adjudication for a felony and the case has been dismissed but was not over 7 years ago?

    • You would need to reach out to the State you are looking to get licensed with. Please let us know what State and we will send you their contact information?

    • What if you are currently a lending officer and you got a felony DUI while you are already licensed? Will they renew my license? That is my biggest concern. Thank you.

      • Since each State has different requirements we recommend reaching our to your State licensing agency with your questions they will be able to assist.

  • I have a felony conviction that was in 1998. No felony conviction since then it was for a battery. Am I able to apply to become a loan officer in the state of Georgia

  • I am not sure what consituttes a ” felony ” , in my case i was charged with recieving stolen property ( a VCR in 1984 , credit card fraud ( I got in spat with an ex she let me use her card for a vacation , I purchased the airline tickets with her card , she later denied it , I did not fight it and plead guilty . and finally in 1990 I had a charge for counterfitting ( I had $240 in fake 20 dollar biils . So all this is going back 34 years . since then I have led an exemplary life , got married , 20 years now have 2 kids , and even worked for major banks and lenders between 1994 and 2008 when licemsing was not required . I was able to get a RE licesne in NJ and now want a mortgage license in PA . I have passed the test . Do I have a shot ? , should I get a lawyer to try to expunge some of these offenses being that they are so old ?

  • Hello, is it true that if you have had a defaulted Federal student loan that the Gov can deny you from getting an MLO licence?

  • is it 7yrs from the date of sentencing? is there any stipulation on release from jail? say you were sentenced and convicted of felony over 7yrs ago but were released from jail 6yrs ago? does this disqualify you in Arizona?

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