{
  "canonical_url": "https://lendb.ai/data/state-of-loan-officers-2026-11",
  "title": "State of US loan officers, November 2026",
  "summary": "As of Nov 5, 2026, LenDb lists 149,938 active US mortgage loan officers, about 77% of the 195,039 state-licensed MLOs at the end of 2025 (NMLS). State regulator rosters from 19 states confirm 299,640 active loan officer licenses, one per person and state. Among licensed MLOs whose state record lists a work arrangement, 21% in Iowa, 22% in Nevada and 25% in Oregon work fully remote. The 10 largest lenders made about 28% of 2025 home loans reported under HMDA.",
  "as_of": "2026-11-05",
  "coverage": [
    {
      "key": "los_on_record",
      "line": "224,703 loan officer records on file, active and inactive",
      "source": "LenDb.ai",
      "source_url": null,
      "as_of": "2026-11-05"
    },
    {
      "key": "los_active",
      "line": "149,938 active loan officers listed, about 77% of the 195,039 state-licensed MLOs",
      "source": "NMLS Mortgage Industry Report, 2025 Annual (CSBS), table 1 License and Entity Counts, Individual, unique entities",
      "source_url": "https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/aboutNMLS/BusinessReports/2025%20Annual%20Mortgage%20Report.xlsx",
      "as_of": "2025-12-31"
    },
    {
      "key": "los_full_profiles",
      "line": "48,228 loan officers with full profiles, about 25% of the 195,039 state-licensed MLOs",
      "source": "NMLS Mortgage Industry Report, 2025 Annual (CSBS), table 1 License and Entity Counts, Individual, unique entities",
      "source_url": "https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/aboutNMLS/BusinessReports/2025%20Annual%20Mortgage%20Report.xlsx",
      "as_of": "2025-12-31"
    },
    {
      "key": "lenders_listed",
      "line": "11,263 lender records, about 44% of the 25,477 state-licensed mortgage companies",
      "source": "NMLS Mortgage Industry Report, 2025 Annual (CSBS), table 1 License and Entity Counts, Company, unique entities",
      "source_url": "https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/aboutNMLS/BusinessReports/2025%20Annual%20Mortgage%20Report.xlsx",
      "as_of": "2025-12-31"
    },
    {
      "key": "lenders_with_profiles",
      "line": "738 lenders with full loan officer profiles, about 2.9% of the 25,477 state-licensed mortgage companies",
      "source": "NMLS Mortgage Industry Report, 2025 Annual (CSBS), table 1 License and Entity Counts, Company, unique entities",
      "source_url": "https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/aboutNMLS/BusinessReports/2025%20Annual%20Mortgage%20Report.xlsx",
      "as_of": "2025-12-31"
    }
  ],
  "regulator_licenses": {
    "states": [
      {
        "state": "FL",
        "key": "FL",
        "name": "Florida",
        "active_licenses": 60339,
        "agency": "Florida Office of Financial Regulation",
        "source_url": "https://flofr.gov/education/public-information/registration-data-download",
        "roster_as_of": "2026-10-08",
        "note": "download (monthly files, read Oct 8, 2026)"
      },
      {
        "state": "TX",
        "key": "TX",
        "name": "Texas",
        "active_licenses": 39179,
        "agency": "Texas Department of Savings and Mortgage Lending",
        "source_url": "https://www.sml.texas.gov/",
        "roster_as_of": "2026-10-12",
        "note": "public records request (roster sent Oct 12, 2026)"
      },
      {
        "state": "CA",
        "key": "CA:ca_dfpi",
        "name": "California",
        "active_licenses": 33650,
        "agency": "California Department of Financial Protection and Innovation",
        "source_url": "https://dfpi.ca.gov/",
        "roster_as_of": "2026-10-18",
        "note": "public records request (PRA3873, reply Oct 22, 2026, report current as of Oct 18, 2026); Mortgage loan originator licenses issued by DFPI. A person also licensed through DRE counts once in the total."
      },
      {
        "state": "IL",
        "key": "IL",
        "name": "Illinois",
        "active_licenses": 17299,
        "agency": "Illinois Department of Financial and Professional Regulation, Division of Banking",
        "source_url": "https://idfpr.illinois.gov/banks/resfin.html",
        "roster_as_of": "2026-10-27",
        "note": "public records request (FOIA reply of Oct 27, 2026, active licensees as of October 2026)"
      },
      {
        "state": "CA",
        "key": "CA:ca_dre",
        "name": "California",
        "active_licenses": 16970,
        "agency": "California Department of Real Estate",
        "source_url": "https://www.dre.ca.gov/Licensees/ExamineeLicenseeListDataFiles.html",
        "roster_as_of": "2026-10-15",
        "note": "download (daily list, read Oct 15, 2026); Real estate licensees with an MLO endorsement. California's other MLO regulator, DFPI, is its own row."
      },
      {
        "state": "OR",
        "key": "OR",
        "name": "Oregon",
        "active_licenses": 14922,
        "agency": "Oregon Division of Financial Regulation",
        "source_url": "https://dfr.oregon.gov/",
        "roster_as_of": "2026-06-30",
        "note": "public records request (PRr26-10L, list dated Jul 1, 2026, current as of Jun 30, 2026)"
      },
      {
        "state": "MD",
        "key": "MD",
        "name": "Maryland",
        "active_licenses": 14852,
        "agency": "Maryland Office of Financial Regulation",
        "source_url": "https://www.labor.maryland.gov/finance/",
        "roster_as_of": "2026-10-18",
        "note": "public records request (MPIA, letter of Oct 26, 2026, list as of Oct 18, 2026)"
      },
      {
        "state": "NV",
        "key": "NV",
        "name": "Nevada",
        "active_licenses": 10816,
        "agency": "Nevada Division of Mortgage Lending",
        "source_url": "https://mld.nv.gov/",
        "roster_as_of": "2026-10-22",
        "note": "public records request (PRR 2026-41, final letter Oct 28, 2026, report current as of Oct 22, 2026)"
      },
      {
        "state": "MA",
        "key": "MA",
        "name": "Massachusetts",
        "active_licenses": 10650,
        "agency": "Massachusetts Division of Banks",
        "source_url": "https://www.mass.gov/lists/download-a-list-of-approved-licensees",
        "roster_as_of": "2026-09-30",
        "note": "download (quarterly list as of Sep 30, 2026, pointed to by the agency's records reply)"
      },
      {
        "state": "AR",
        "key": "AR",
        "name": "Arkansas",
        "active_licenses": 9882,
        "agency": "Arkansas Securities Department",
        "source_url": "https://securities.arkansas.gov/loans/nmls/",
        "roster_as_of": "2026-09-01",
        "note": "download (list as of Sep 1, 2026)"
      },
      {
        "state": "MO",
        "key": "MO",
        "name": "Missouri",
        "active_licenses": 9819,
        "agency": "Missouri Division of Finance",
        "source_url": "https://finance.mo.gov/banks-0/bank-licensee-search",
        "roster_as_of": "2026-10-19",
        "note": "download (current licensees, read Oct 19, 2026); Source: State of Missouri; see the disclaimer at /legal/data-sources#state-of-missouri-data."
      },
      {
        "state": "WI",
        "key": "WI",
        "name": "Wisconsin",
        "active_licenses": 9810,
        "agency": "Wisconsin Department of Financial Institutions, Division of Banking",
        "source_url": "https://dfi.wi.gov/Pages/BusinessServices/MortgageBanking/",
        "roster_as_of": "2026-10-20",
        "note": "public records request (reply of Oct 21, 2026, file dated Oct 20, 2026)"
      },
      {
        "state": "CT",
        "key": "CT",
        "name": "Connecticut",
        "active_licenses": 9395,
        "agency": "Connecticut Department of Banking",
        "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
        "roster_as_of": "2026-10-06",
        "note": "download (list as of Oct 6, 2026)"
      },
      {
        "state": "IA",
        "key": "IA",
        "name": "Iowa",
        "active_licenses": 8671,
        "agency": "Iowa Division of Banking",
        "source_url": "https://idob.iowa.gov/",
        "roster_as_of": "2026-10-19",
        "note": "public records request (file current as of Oct 19, 2026, received Oct 20, 2026)"
      },
      {
        "state": "NY",
        "key": "NY",
        "name": "New York",
        "active_licenses": 7204,
        "agency": "New York State Department of Financial Services",
        "source_url": "https://www.dfs.ny.gov/",
        "roster_as_of": "2026-10-13",
        "note": "public records request (FOIL R001305-101326, granted Oct 13, 2026)"
      },
      {
        "state": "DE",
        "key": "DE",
        "name": "Delaware",
        "active_licenses": 5962,
        "agency": "Delaware Office of the State Bank Commissioner",
        "source_url": "https://banking.delaware.gov/delaware-approved-mortgage-loan-originators/",
        "roster_as_of": "2026-10-29",
        "note": "download (weekly report of Oct 29, 2026); Only loan officers already on file at LenDb get the license."
      },
      {
        "state": "CO",
        "key": "CO",
        "name": "Colorado",
        "active_licenses": 5802,
        "agency": "Colorado Division of Real Estate",
        "source_url": "https://data.colorado.gov/d/4zse-6bnw",
        "roster_as_of": "2026-10-09",
        "note": "open data portal (nightly dataset, read Oct 9, 2026); No NMLS ID in the file: only licenses matched to a loan officer by name and place are counted."
      },
      {
        "state": "LA",
        "key": "LA",
        "name": "Louisiana",
        "active_licenses": 5538,
        "agency": "Louisiana Office of Financial Institutions",
        "source_url": "https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/",
        "roster_as_of": "2026-10-15",
        "note": "web list (last updated Oct 15, 2026); No NMLS ID in the list: only licenses matched to a loan officer by name and employer are counted."
      },
      {
        "state": "PA",
        "key": "PA",
        "name": "Pennsylvania",
        "active_licenses": 4753,
        "agency": "Pennsylvania Department of Banking and Securities",
        "source_url": "https://data.pa.gov/d/tyxc-jyug",
        "roster_as_of": "2026-10-09",
        "note": "open data portal (daily dataset, read Oct 9, 2026); No NMLS ID in the file: only licenses matched to a loan officer by name and place are counted."
      },
      {
        "state": "WY",
        "key": "WY",
        "name": "Wyoming",
        "active_licenses": 4652,
        "agency": "Wyoming Division of Banking",
        "source_url": "https://wyomingbankingdivision.wyo.gov/",
        "roster_as_of": "2026-10-26",
        "note": "public records request (letter of Oct 27, 2026, licensees as of Oct 26, 2026)"
      }
    ],
    "state_count": 19,
    "total_active_licenses": 299640,
    "total_counts_person_once_per_state": true
  },
  "work_arrangement": {
    "among": "licensed MLOs whose state record lists a work arrangement (active licenses)",
    "states": [
      {
        "state": "IA",
        "name": "Iowa",
        "source": "Iowa Division of Banking, public records reply of Oct 20, 2026",
        "source_url": "https://idob.iowa.gov/",
        "as_of": "2026-10-19",
        "active_licensed": 8675,
        "with_arrangement": 8576,
        "shares": [
          {
            "key": "fully_remote",
            "label": "Fully remote",
            "count": 1769,
            "pct": 20.6
          },
          {
            "key": "hybrid",
            "label": "Hybrid",
            "count": 1423,
            "pct": 16.6
          },
          {
            "key": "office_centric",
            "label": "Office-centric",
            "count": 5384,
            "pct": 62.8
          }
        ]
      },
      {
        "state": "NV",
        "name": "Nevada",
        "source": "Nevada Division of Mortgage Lending, public records reply PRR 2026-41 (final letter Oct 28, 2026)",
        "source_url": "https://mld.nv.gov/",
        "as_of": "2026-10-22",
        "active_licensed": 10342,
        "with_arrangement": 10252,
        "shares": [
          {
            "key": "fully_remote",
            "label": "Fully remote",
            "count": 2271,
            "pct": 22.2
          },
          {
            "key": "hybrid",
            "label": "Hybrid",
            "count": 1652,
            "pct": 16.1
          },
          {
            "key": "office_centric",
            "label": "Office-centric",
            "count": 6329,
            "pct": 61.7
          }
        ]
      },
      {
        "state": "OR",
        "name": "Oregon",
        "source": "Oregon Division of Financial Regulation, public records reply PRr26-10L (list dated Jul 1, 2026)",
        "source_url": "https://dfr.oregon.gov/",
        "as_of": "2026-06-30",
        "active_licensed": 14919,
        "with_arrangement": 12481,
        "shares": [
          {
            "key": "fully_remote",
            "label": "Fully remote",
            "count": 3131,
            "pct": 25.1
          },
          {
            "key": "hybrid",
            "label": "Hybrid",
            "count": 2350,
            "pct": 18.8
          },
          {
            "key": "office_centric",
            "label": "Office-centric",
            "count": 7000,
            "pct": 56.1
          }
        ]
      }
    ]
  },
  "hmda_concentration": [
    {
      "key": "top_10",
      "label": "Top 10 lenders",
      "loans": 1537817,
      "total": 5553091,
      "pct": 27.7,
      "source": "FFIEC/CFPB HMDA snapshot national loan-level dataset, 2025 (closed-end originations on 1 to 4 unit homes, counted by LenDb)",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of": "2025-12-31"
    },
    {
      "key": "top_50",
      "label": "Top 50 lenders",
      "loans": 2784823,
      "total": 5553091,
      "pct": 50.1,
      "source": "FFIEC/CFPB HMDA snapshot national loan-level dataset, 2025 (closed-end originations on 1 to 4 unit homes, counted by LenDb)",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of": "2025-12-31"
    },
    {
      "key": "top_100",
      "label": "Top 100 lenders",
      "loans": 3336419,
      "total": 5553091,
      "pct": 60.1,
      "source": "FFIEC/CFPB HMDA snapshot national loan-level dataset, 2025 (closed-end originations on 1 to 4 unit homes, counted by LenDb)",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of": "2025-12-31"
    },
    {
      "key": "lendb_listed",
      "label": "Lenders LenDb lists",
      "loans": 3894959,
      "total": 5553091,
      "pct": 70.1,
      "source": "FFIEC/CFPB HMDA snapshot national loan-level dataset, 2025 (closed-end originations on 1 to 4 unit homes, counted by LenDb)",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of": "2025-12-31"
    }
  ],
  "methods": [
    {
      "section": "Coverage",
      "text": "LenDb counts are as of Nov 5, 2026, from the same database snapshot as the coverage page (/stats). Active loan officers are records whose latest status is active; a full profile comes from the loan officer's own page at their lender. The NMLS figures are year-end 2025 counts of unique state-licensed individuals and companies. Bank and credit union loan officers are federally registered, not state-licensed, and some of them are in LenDb's count, so the shares compare close but not identical groups. Coverage is partial and grows lender by lender."
    },
    {
      "section": "Regulator-confirmed licenses",
      "text": "Each count is the number of loan officers with an active mortgage loan originator license on that regulator's own roster, one per person, with the roster's own date. Some rosters list only current licensees, and states without a public roster or a records reply are not in the table. Colorado, Louisiana and Pennsylvania files carry no NMLS ID, so only licenses matched to a loan officer by name and place are counted there, and those counts run low. California has two regulators, the Department of Real Estate and the Department of Financial Protection and Innovation, so it has two rows; the total counts a person licensed by both once."
    },
    {
      "section": "How loan officers work",
      "text": "Shares are among licensed MLOs whose state record lists a work arrangement (the NMLS remote classification: fully remote, hybrid or office-centric), counting only active (Approved) licenses. Only Iowa, Nevada and Oregon have sent files with this field so far, and Oregon's is months older than the other two. LenDb stores the counts, not the classification of any person."
    },
    {
      "section": "Lender concentration",
      "text": "HMDA 2025 closed-end originations on 1 to 4 unit homes (no home equity lines, reverse mortgages or 5+ unit buildings), counted by LenDb from the public loan-level file. Top lenders are ranked by loan count, one HMDA filer (LEI) each, so a company that files under two LEIs counts twice. Lenders below the HMDA reporting thresholds are not in the data. Lenders LenDb lists are HMDA filers matched to a lender record in LenDb."
    }
  ],
  "cite_as": "LenDb.ai, \"State of US loan officers, November 2026\", https://lendb.ai/data/state-of-loan-officers-2026-11, as of 2026-11-05."
}