Individual (MU4) Filings

This guide will help you understand and navigate the ins and outs of NMLS Individual (MU4) Filings. 

TABLE OF CONTENTS

• Introduction to Individual (MU4) Filing
• License/Registration Information
• Identifying Information
• Other Names
• Residential History
• Employment History
• Other Businesses
• Disclosure Questions
• Disclosure Explanation
• Criminal Background Check
• Credit Report Request
• Document Uploads
• Attest and Submit

Introduction to Individual (MU4) Filing

The NMLS Individual filing is used as a way for Loan Officers to apply for licensure, and update and edit their personal information required by state agencies to fulfill the criteria of information needed and complete license items requested from Loan Officers. The Individual filing can be found under the Filings tab. You will need to Request New/Update to begin the filing.

License/Registration Information

Once you begin your filing, you will be brought to License/Registration Information page. Here you will be able to apply for licenses in a given state. To begin this process, follow the steps below. 

1. To apply for a new license, click Add 
2. Select the applicable state(s) you want to get a license. 
3. Once you have selected your states, you will need select which license to apply for. Select the option Mortgage Loan Originator License. 
4. If you are applying for a license that you previously held, input your state license number (this may be different from your NMLS number). 
5. Once you have finished with the application, you will be brought back to the License/Registration Information home page with the appropriate states and licenses added. 

Identifying Information

Identifying information section is used as an overview of your personal information. You will be required to input your Birth Date, Phone Number, Email, Citizenship, Mailing Address, etc. in order to proceed with the filing. 

Other Names

In this section, if you use or go by any other names, you will need to list them under Other Names. 

Residential History

You will need to provide residential history for the last 10 years on the section. When providing a date, you will need to match the start date with the previous residential end date, and the end date with the next residential start date. See below for example. 

Employment History

You will need to provide employment history for the last 10 years on the section. When providing a date, you will need to match the start date with the previous employment end date, and the end date with the next employment start date. See below for example. 

Other Businesses

This section is for individuals that are either engaged as a proprietor, partner, officer, director, employee, trustee, agent, or otherwise. Do not include any business that is not financial services related. 

Disclosure Questions

Disclosure questions are required for you to fill out with NMLS. If you answer "Yes" to any of these questions, you will need to provide a response under the next section, Disclosure Explanation. 

Disclosure Explanation

Disclosure explanation is used to explain the event of the disclosure question you answered "Yes" in the previous section. In most cases, you will need to provide supporting documents for the response as well as a brief explanation on what has transpired. 

Criminal Background Check

A criminal background check (CBC) is run through the FBI background check. Most license applications will require a federal criminal background check through NMLS. If you haven't had your fingerprints submitted or your fingerprints expired, you will need to get a live scan fingerprinting through Fieldprint for NMLS fingerprint scheduling. Not all filings will require a criminal background check. 

*Note: You will need to grant your criminal background check to state agencies in order for them to receive your request. See Criminal Background Check (CBC) for more information. 

Credit Report Request

A Credit Report is run through TransUnion. Most license application will require a credit report through NMLS. If you have a credit report generated less than 30 days, you may choose to use the recent credit report. Not all filings will require a credit report.

Document Uploads

Document Uploads will be the primary way you upload document to state agencies. You will need to use this section for any application or license items that the state will request from you. To add a new document, you will need to list a Document Type: Credit Report Explanation, Legal Name/Status Documentation, and/or Verification of Experience. A file is required to upload a document.

Attest and Submit

Once all items are completed, the final step is to Attest and Submit to the filing. You will be able to submit an application as long as all items are completed. Payment will be made at the time of submission. If you do not see Submit Filing, then you have to complete all outstanding items in order for you to submit the filing. Once the application is submitted, you will need to request a ticket for a Sponsorship Request.