Y CombinatorMORTGAGE
Every MLO licensed. Every state. Every year.
Originators are the revenue, and every one of them renews in the same eight-week window. Payna manages MLO licensing per person, and the company licenses behind them, on one system.
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The four products, in the order mortgage buys them.
Roster. License individuals.
Roster is built for the MLO roster: MU4 filings drafted per person, sponsorships kept current as originators join and move, CE tracked against each state’s hours, and the November 1 to December 31 renewal window worked all year so no one pays per-day late penalties.
Maintain. Stay licensed.
The company side has its own calendar: entity renewals, amendments, mortgage call reports, and state exams. Maintain runs it with the same discipline, backward-planned from every deadline.
Charter. Get licensed.
Expanding into new states? Charter files the company licenses and branch registrations, sequenced so the entity is ready before recruiting originators there.
Signal. Build on license data.
Wire licensure into the LOS: verify an MLO’s license and sponsorship in the subject state before an application can be started.
Bring the MLO roster.
We will show every seat on one screen: who is licensed where, whose CE is short, and what renewal season looks like when it is worked all year.
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See how Payna runs licensing.
Tell us a little about the company and we’ll walk through how Payna handles licensing and compliance in every US state.