Services / State Licensing
877 state mortgage licenses, versioned.
Every license in every state, with full change history.
Why this matters.
State license requirements change quietly. A bonding threshold goes up. A net worth minimum is revised. A continuing education requirement is added. CSBS updates without notice — there is no press release, no newsletter, no official announcement. The change is just there one day when you look.
For most lenders, the discovery mechanism is the exam. An examiner asks for your current bond documentation, and the amount on file is no longer sufficient because the threshold changed eight months ago and nobody caught it. Keeping up manually — checking 54 jurisdictions on a regular cadence — is not realistic without a system.
What this looks like.
Texas — Mortgage Banker License
TX SML · License code: MB · 877 of these tracked nationwide
Version history
2026-05-18
Renewal CE hours bumped from 8 to 12
Continuing education requirement now includes 4 hours of TX-specific content effective next renewal cycle.
2026-02-12
Surety bond amount increased
Minimum bond raised from $50,000 to $75,000 for licensees originating over 100 loans annually.
2025-11-04
MLO sponsor reporting cadence
Sponsoring entities must now report MLO terminations to NMLS within 5 business days, down from 10.
2025-08-22
Initial license fee adjustment
First-time application fee increased from $300 to $325 to fund modernization initiative.
How we do it.
CSBS-sourced license records
We pull from CSBS — the Conference of State Bank Supervisors — which maintains the authoritative aggregated view of state mortgage licensing requirements across NMLS. All 54 jurisdictions in one data pull, normalized into a consistent structure regardless of how the underlying state formats its records.
Versioned with full history
When a license record changes, we preserve the prior version rather than overwriting it. Every license has a history you can walk backward through to see what changed and when. Change detection uses the CSBS Modified date and Version fields as signals, then diffs the actual payload to confirm there was a real content change — not just a metadata touch.
Clean structured output
CSBS records are MS Word-exported HTML. We strip the Office markup, decode the entities, and present clean structured data: license type, entity type, fee schedule, bonding requirement, net worth minimum, and contact information. No more reading raw HTML in a PDF viewer.
What's in the product today.
877 license records across all 50 states, DC, and 3 territories
Sourced from CSBS — the Conference of State Bank Supervisors — which aggregates state regulator data through NMLS
Full versioned history for every license: each time a license changes, the prior version is preserved
Change detection uses CSBS Modified date and Version fields, then diffs the payload for actual content changes
Filterable by state, license type, and entity type (company, branch, individual)
License-level detail view with requirements, fees, bonding, net worth minimums, and contact information stripped of MS Word markup
Monthly ingest cadence matching CSBS publish rhythm