# Get your NMLS licenses and license items through an API

> Read every license's status, renewal status and open license items from NMLS with one API call each, and check an MLO's sponsorships the same way. Or have a workflow email you each new license item the morning it appears.

Page: https://fous.com/automate/nmls
Updated: 2026-11-11

Works with your own NMLS account. Fous is an independent product.

## What you can build on NMLS

### List licenses with status and license items

Reads View License/Registration List under Composite View, View Company and returns each license with its status, renewal status and license item count.

- Takes: Nothing
- Returns: regulator, license name, status, renewal status, renewed through year, number of license items

### Get open license items

Reads the License Item List on the Tasks tab and returns each outstanding item on your company, branch and sponsored individual licenses.

- Takes: Nothing
- Returns: license, who holds it, license item type, assigned user, review complete, date addressed, company internal notes

### Check an MLO's sponsorships

Opens the MLO's record under NMLS Connect, Manage People and reads the Relationships & Sponsorships tab: the relationship with your company and each sponsored license.

- Takes: Individual NMLS ID
- Returns: name, NMLS ID, relationship with your company, each sponsored license with regulator and sponsorship status

### Upload an approved MCR XML file

Uploads the MCR XML file you have approved under Filing, Call Reports, Mortgage Call Report, Upload New MCR and returns the upload status. It does not submit the filing.

- Takes: MCR XML file
- Returns: upload status (Upload Pending or Upload Complete), FC and RMLA components created

## Automate NMLS with a workflow

A [workflow](/product/workflows) runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

### New license items, the morning they appear

Starts: Every weekday at 8:00

1. Get the License Item List for your company, branch and sponsored individual licenses.
2. Keep the items that were not on the list at the last run.
3. Email you each one with its license, who holds it, the license item type and the assigned user.

### License and renewal status changes, once a week

Starts: Every Monday at 8:00

1. List every license under Composite View with its status and renewal status.
2. Keep the licenses whose status or renewal status differs from the last run.
3. Email you what changed, grouped by regulator.

### A sponsorship check when an MLO joins

Starts: When your HR system calls the workflow's webhook with an NMLS ID

1. Open the MLO's record and read the Relationships & Sponsorships tab.
2. Post the relationship with your company, and each sponsored license with its regulator and sponsorship status, back to your HR system.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

## Once built, one call from your code

Once you have built a [method](/product/methods), it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “List licenses with status and license items” would look like.

Example request:

```
curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "www.statemortgageregistry.com/list_licenses",
    "input": {}
  }'
```

Example response:

```
{
  "status": "completed",
  "data": {
    "company": "Acme Mortgage LLC",
    "nmls_id": "9990001",
    "licenses": [
      {
        "regulator": "Arizona",
        "license_name": "Mortgage Banker License",
        "status": "Approved",
        "renewal_status": "Renewal Requested",
        "renewed_through_year": 2026,
        "license_items": 0
      }
    ]
  }
}
```

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

## NMLS’s own options

NMLS's guides describe no API for the companies and individuals who sign in. Licensees can upload Mortgage Call Report data as an MCR XML file and request reports that download as CSV. NMLS B2B Access is a paid subscription to public license data, delivered as .csv files over SFTP. It is not a way to file, renew or sponsor.

| Option | What it covers | What it takes |
| --- | --- | --- |
| MCR XML upload | Mortgage Call Report data only, uploaded as one or more MCR XML files in place of manual entry. | You upload it signed in to NMLS, then run the completeness check on each component and submit there. |
| Reports tab | CSV reports on request, such as Individual Roster, Co-Br Active License Items and Renewal Activity_Sponsored Individuals. | The Reports Role. Each report is requested by hand and shows Pending until it is Available. |
| NMLS B2B Access | Public data on companies, branches and MLOs, as .csv files over SFTP, Monday to Friday. No phone numbers or email addresses. | A subscription agreement, for SAFE Act purposes only. The daily subscription is listed at $97,750 a year. |
| NMLS by hand | Everything: filings, renewals, sponsorships, license items, Composite View and the Mortgage Call Report. | A user account with the right roles, signed in through the State Context. |

Read on November 11, 2026: [Mortgage Call Report: manual input vs. data upload](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/mcr/licensing/mcr/topics/nmls_mcrManualVersusDataUpload.html), [Overseeing company activity using NMLS reports](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_reports_overseeingCompanyActivityUsingNmlsReports.html), [NMLS B2B Access](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/b2b).

## Signing in to NMLS

You sign in to NMLS with your username, or your login email address, and a password, and accounts that require two-factor authentication add a security code from one registered credential: a phone app, a desktop app or a key fob. A session expires after 30 minutes idle. With Fous you sign in through NMLS's own sign-in with your own account, and the login is sealed with AES-256 and never shown to code or AI agents.

## Worth knowing

- **Reports and the dashboard are not live**: The company dashboard on the Home tab is refreshed every two hours. A requested report shows Pending until it is Available, and its data runs through the prior day, or through Thursday when you ask from Friday to Sunday.
- **An MCR upload is not a submission**: After an XML upload the status moves from Upload Pending to Upload Complete. You still run the completeness check on each component, place it in Ready to Submit and submit the filing in NMLS.
- **Only the system or a regulator clears an item**: Marking a license item review complete is internal tracking that regulators cannot see. The item stays on the list until the system or the state regulator clears it.
- **An MLO's record needs the MLO's consent**: A company can open an MLO's record only after the MLO grants it access. Only a company can start a sponsorship, and only for licenses in states where the company is licensed or registered itself.

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## Frequently asked questions

### Does NMLS have an API?

Not for licensees. NMLS's guides describe no API for filings, renewals, sponsorships or license items. What they offer is an MCR XML upload for the Mortgage Call Report, CSV reports from the Reports tab, and NMLS B2B Access, a paid subscription to public license data.

### Can I check license status and license items for all my MLOs at once?

Yes, as reports. NMLS offers the Individual Roster, Individual Active License Items and Renewal Activity_Sponsored Individuals reports as CSV, each requested by hand on the Reports tab. With Fous you can build read methods that return those records as JSON, and a workflow can run them on a schedule and email the result.

### Can a Mortgage Call Report be filed without manual entry?

Partly. NMLS accepts the data as an MCR XML file, in one file or several, in place of typing it in. The upload does not complete the filing: you still run the completeness check on each component and submit it in NMLS.

### Is NMLS B2B Access a way to file or renew?

No. NMLS B2B Access is a subscription to public data on companies, branches and MLOs, delivered as .csv files over SFTP from Monday to Friday. It is offered for SAFE Act purposes such as verifying a license, and the daily subscription is listed at $97,750 a year.

### Is Fous affiliated with the Conference of State Bank Supervisors?

No. Fous is an independent product. It is not affiliated with the Conference of State Bank Supervisors, the State Regulatory Registry or NMLS. You use it with your own NMLS account, and a method reads and does only what that account can.

Fous is an independent product: it is not affiliated with, endorsed by or sponsored by the operator of NMLS (Conference of State Bank Supervisors). The name is used only to say which system this page is about. Something here wrong or out of date? Write to legal@fous.com.