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General Licensing

If you are submitting your MU4 and notice multiple licensing divisions for your state, the correct license to apply for is the one compatible with Morty’s licensing:

  1. Indiana: Secretary of State (Indiana-SOS)
  2. South Carolina: Department of Consumer Affairs (DCA)
  3. Utah: Division of Real Estate (Utah-DRE)
  4. Texas: Department of Savings and Mortgage Lending (Texas-SML)
  5. California: Department of Financial Protection & Innovation (California-DFPI)

Mortgage loan officers typically complete continuing education and renew licenses annually through the NMLS, with specific requirements varying by state.

Licensing costs include application fees, continuing education fees, exam fees, and renewal fees. Morty covers the ongoing cost to sponsor each loan officer, but does not cover individual licensing fees.

Activation timelines are state specific and depend on NMLS processing times. The following are estimates based on our experience:

  1. Transferring an active license: ~1 week processing time
  2. Reactivating an inactive license: ~1-2 weeks processing time
  3. New MU4 Submission: ~1 month processing time

Your NMLS account will have the most up to date information regarding your licensing status. Within your account you will be able to see if there are any outstanding items you are required to complete or provide more information for. We also recommend opting into NMLS notifications so you receive email updates as the status of your license changes.

If your license has been approved, company sponsorship accepted, and background check completed, a member of the Morty team will be contacting you shortly to set up your systems access.

If your license has been approved and you’d like to add more, see the basic steps for this process here. Make sure to loop in Morty by emailing to let us know you are starting the process and which states.

Please send an email over to and we will get a copy of this letter for you.

Morty recommends using the company OnCourse for continuing education.

Loan Origination

We don’t allow Morty loan officers to originate their own loans, but we can assign your application to another loan officer if you would like to leverage Morty for your loan.

Yes, there is no issue with doing this.

No, Morty does not offer commercial loans at this time.

Morty Systems

We have a demo website you can use for this purpose. If you would like demo access, please fill out the form here and we will contact you with more instructions.

You can request changes to your landing page by filling out the form here. Please allow 24 business hours for updates to be in effect.

Yes, you can find this info on the pages here and here. If you are planning to post a video, please send the video to for review.

Morty recommends using Calendly to set up your automatic scheduling. You can set up your Calendly here.