A company that originates, brokers, or services residential mortgage loans in Colorado generally needs a state mortgage license from Colorado Division of Real Estate. Lending or brokering is usually one company authority; servicing is a separate authority in most states. Individual MLOs need their own MU4 license sponsored by a licensed company.
Colorado mortgage company and MLO licenses file with the Division of Real Estate on NMLS, not the Division of Banking. NMLS is the filing system. Colorado Division of Real Estate still issues or denies the license. Depository institutions register MLOs on the federal NMLS registry instead of holding this company license.
The SAFE Act, TILA/RESPA, ECOA, and (for many servicers) CFPB mortgage-servicing rules apply in addition to the state license. Depository institutions register MLOs on the NMLS federal registry rather than holding state company licenses.
Agency names and filing paths are public facts from state regulator sites, the NMLS / CSBS agency directory, and published statutes. License categories and exemptions change. Confirm the current checklist on the official site before you apply. This is not legal advice and not a fee schedule.