Mortgage loan originator in US
What this register publishes today, what is missing, and the smallest change that would move it up.
What was found
The identifier problem is already solved here and the binding problem is not. Every state-licensed mortgage originator in the country carries one NMLS unique ID, the free public site is searchable by anyone, and a change made by a licensee or a regulator shows up the following business day. The machine route is a contracted B2B subscription: a weekly file set against a published specification, an executed contract with CSBS and an annual fee. Inactive licences stay visible for five years and are then dropped from both the site and the data set.
What it publishes
| Check | Answer | Why it matters |
|---|---|---|
| A public page per licence | Yes | Gives a reader something to look at and a checker something to archive and attest against. |
| A bulk export | Gated | Lets a consumer hold the whole list instead of fetching one licence at a time, and lets anyone hash it. |
| Machine readable | Gated | A CSV or JSON rather than a page built for a browser. Decides whether checking can be automated at all. |
| Signed | No | Makes the file impossible to forge or mirror convincingly. Nothing reaches grade A without it. |
The next step
Export the list
A page per licence is already most of the work. What is missing is the same data as one file, at a stable address, refreshed on whatever cadence the register already runs. That is tier A of RVW-5 and it moves this row to grade B.
A grade describes a register, not the authority behind it and not the quality of its supervision. An authority can run an excellent register and still sit at grade D because it is a search form.
If this row is wrong, it gets corrected with the correction published beside it. The index is useful only if it can be argued with. Tell the lab.