How to verify a mortgage lender

1. Search the published USMI lender directory.
2. Check NMLS Consumer Access where the company or person is in that system.
3. If it is a bank, check FDIC BankFind and the relevant federal identifier.
4. If it is a credit union, check NCUA records.
5. Review the institution's published USMI source dates and identifiers.
6. Check the relevant regulator where one applies. National banks may involve the OCC. State-licensed companies may involve a state regulator. NMLS Consumer Access is a public starting point, not a complete map of every regulator.
7. Confirm the information against the company documents and contact details you actually received.

A match means the name or identifier you checked appears in the source you opened, as that source presents it. Compare the same identifier, not a similar marketing name.

• An NMLS listing alone does not prove the company is safe.
• USMI does not prove a license.
• USMI does not approve, recommend, or rank a lender.
• A directory profile is not a finding that an offer in front of you is accurate.

An unpublished field means USMI did not publish that item for the profile. Absence is not evidence that the institution lacks the license, activity, product, or regulatory record.

Use the official source for the consequential fact. Then request a correction and include the official URL. USMI reviews the request against that source before any public change.

• Lender directory
• Check whether a company or person may make or broker mortgage loans
• NMLS Consumer Access glossary
• Methodology
• Sources
• Corrections
• What USMI is not

For a source-backed question about published USMI material, Ask USMI is a beta research tool. It does not verify a live license or decide a complaint.

• Official registries control their own records and coverage.
• USMI does not scrape NMLS result pages into this guide.
• Confirm the company documents you received against the official record, not against this page alone.

• NMLS Consumer Access
• FDIC BankFind
• NCUA
• OCC
• USMI sources
• USMI methodology