The questions we get asked.

Short answers. If yours is not here, a call is faster.

THE BASICS

What Payna does.

What does Payna do?: We get you licensed, keep the licenses current, and keep the people working under them licensed too. Applications, renewals, deficiency notices, continuing education, sponsorships, bonds. Most of our work is mortgage licensing, company and originator. You stop being the one chasing it.
Do you license the company, or the people?: Both. An entity license covers the company. It does nothing for the originator sitting in Ohio, who holds a license of their own and renews it on their own clock. Plenty of tools pick a side. Company licenses and the originators under them run in one place here.
Are you affiliated with NMLS?: No. Payna is an independent compliance platform. We are not affiliated with, endorsed by, or operated by NMLS, the Conference of State Bank Supervisors, State Regulatory Registry LLC, NIPR, or the NAIC. We work in the same systems your team does, as an authorized user on your account.
Do you do insurance as well as mortgage?: Yes. Mortgage licensing runs through NMLS and insurance through NIPR and the state departments, and Payna manages both: an adjuster firm’s own licenses and every adjuster on its roster, in the same place.

GETTING STARTED

What do you need to get going?: Add us as an authorized user in NMLS. Nothing else is required. Your LOS, Teams, Slack and email can connect when they are useful, or not at all.
We have applications in flight. Can you take them over?: Yes. We pick them up where they are, including the ones parked on a deficiency notice nobody has answered yet.
Which states do you cover?: All fifty and DC, plus the city regimes some states layer on top. New York debt collection, for instance, is licensed by city rather than by state, and when we last checked only New York City, Buffalo, and Yonkers required it. That is the kind of thing a state-level tracker misses.

HOW THE WORK HAPPENS

Do you actually file, or just track?: We file. We draft the filing and submit it through NMLS or the state portal, and a person reviews it before it goes out. The sworn attestation on a company filing is a legal act by an officer of your company, so that signature is always yours. Everything that gets you to it is ours.
Who checks the AI?: A person, before anything goes to a regulator, and you set how much of it gets reviewed. Each company’s AI context is isolated to that company, and your data is never used to train models.
What happens in renewal season?: NMLS accepts renewal filings from November 1 to December 31, and treating December 31 as the deadline is the usual mistake. At least eleven states set an earlier one: Washington on December 15, West Virginia on November 2, eight more on December 1. Then fourteen agencies offer no reinstatement at all once the year turns. We work renewals against each state’s own date rather than the window’s, and we published every deadline we could source.

DATA AND ACCESS

How is our data handled?: SOC 2 Type II, audited over an observation period rather than a single day. TLS in transit, AES-256 at rest, row-level isolation enforced in the database itself, multi-factor authentication on accounts, and an append-only, timestamped audit log of filings, approvals, and changes. The reports are in the Trust Center.
Is there an API?: Yes. It returns license status, individuals, and their open conditions, and there is an MCP server if you want an assistant reading the same data. The documentation is one page.

Bring the state footprint and the headcount, and we will walk through what the program looks like.

BOOK A DEMO

Tell us a little about the company and we’ll walk through how Payna handles licensing and compliance in every US state.