Y CombinatorROSTER
License the roster.
Entity licenses cover the company. Roster covers everyone the company depends on: each MLO, adjuster, and producer tracked as their own seat, with their own licenses, renewals, and continuing education. Two registries, two workflows, one system.
Request a DemoTWO REGISTRIES
Mortgage runs on NMLS. Insurance runs on NIPR. Payna speaks both.
Mortgage Loan Originators
Every MLO renews in the same window: November 1 to December 31, with per-day late penalties waiting on the other side. Roster works every originator all year so the window is a formality, not a fire drill.
- MU4 filings, drafted per person and submitted through NMLS after internal review.
- Sponsorship management as originators join, move between branches, and leave.
- Continuing education trackingagainst each state’s hour requirements, ahead of the deadline.
- Renewal window execution, filed as each person becomes ready instead of in a December pile.
Adjusters & Producers
Adjusters carry licenses across many states at once, and a catastrophe can send them anywhere. Roster keeps everyone licensed where the work is, before the work arrives.
- Multi-state licensing per person, applied for and renewed through NIPR.
- Catastrophe deployment readiness: know which adjusters can legally work a state before deployment.
- Roster-wide verification before claims are assigned, so no claim lands on a lapsed license.
- Producer appointments tracked alongside the licenses they depend on.
THE SEAT MODEL
Add a person. Payna handles their licensing life.
Each seat is one person with their own license set, CE clock, and renewal dates. The licensing team sees the roster in one view: who is licensed where, who is mid-application, whose CE is short, and what happens next for each of them.
People join, people leave, people move states. Roster absorbs the churn: onboarding starts a licensing plan, offboarding closes it out cleanly, and nothing about a person’s status lives only in someone’s inbox.
Bring the roster.
MLOs or adjusters, ten people or a thousand. We will show what every seat looks like on Payna and what the licensing team stops chasing by hand.
Request a DemoBOOK A DEMO
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.