If your company works mortgage leads or originates mortgages, every loan officer needs their state licenses on file in Kamo. It's how Kamo knows who may work which leads and loans.
Why it matters
A mortgage lead is offered only to loan officers who hold a valid license in the property's state and are taking new business there. That covers the "new lead" popup and the "leads are waiting" email. If nobody on your team has a license on file for that state, nobody is told about the lead. It sits unclaimed until somebody assigns it by hand.
The same licenses are used when loans are worked: the mortgage system checks them before a loan officer is given work that the law says only a licensed person may do.
There is one place a loan officer's licenses are kept. You can open it from three screens, and all three change the same information:
- Team Members (Settings → Essential Setup → Team Members): the License column.
- The loan officer's own profile, on the Work tab.
- Mortgage Settings (Settings → Mortgage Settings → Your Company → Loan Officer Licenses).
Your company's own licenses (the company NMLS number, branch licenses, agency approvals) are different. They are kept in Settings → Mortgage Settings → Your Company → Company Licenses.
When you'll see this
The License column, the License filter and the license editor appear only for a mortgage business. Kamo treats your organization as one when it has either:
- a lead market whose sales type is Residential Mortgage or Commercial Mortgage, or
- a Mortgage line of business.
Steps
- Go to Settings, then Essential Setup, then Team Members.
- Find the loan officer. The License column shows where they stand:
- Not Licensed: no licenses on file.
- Valid: every license on file is current.
- Partial Expired: some licenses have expired, others are still good.
- All Expired: every license on file has expired.
- Click their status to open the license editor.
- Enter their NMLS ID. Click Verify on NMLS to check it on the official NMLS Consumer Access site.
- Add the states they are licensed in. Either click a state on the map, or type state names into Add states. Each new state starts today and runs to December 31, which is when NMLS state licenses renew.
- For each state, fill in the license number and the received or renewed and expiry dates.
- Leave Taking new business on for every state where they should be offered new leads. Turn it off to keep a license on file without sending them new leads from that state, for example while they're on leave.
- Click Save.
Handy shortcuts
- Renew on a license moves it forward a year: it starts the day after the old expiry and runs to the next December 31.
- Same dates for all sets one pair of dates on every license at once, which is quick after the yearly renewal.
- The four tiles at the top (Valid, Expiring Soon, Expired, Taking Leads) also filter the list when you click them.
- Removed a state by mistake? Click Undo on the message at the bottom before you save.
Finding who needs attention
Above the Team Members list, the License filter narrows the list:
- Licensed: everyone with at least one current license.
- License Expired: everyone with at least one expired license. Somebody who is only partly expired appears under both Licensed and License Expired.
- Not Licensed: everyone with no licenses at all.
If it doesn't work
I can't see the License column. Either your organization has no mortgage lead market and no Mortgage line of business, or your role can't view other members' licenses. Ask an administrator for the permission to view all members' state licensing.
The editor opens but I can't change anything. You can view licenses but not edit them. Editing someone else's licenses needs the permission to edit all members' state licensing.
A loan officer still isn't offered leads. Check that the lead's property state is on their list, that its status is current (not expired, not starting in the future), and that Taking new business is on for that state. They also need lead credits for the vendor's product.