Unknown is a finding, not a gap we fill.

1. Three kinds of time

Typical processing time. A range the regulator itself publishes (“reviewed within 3 weeks”). Rare for company licenses. If we cannot point at that page, the label is “Typical range unknown.”

Statutory decision clock. A statute that says the agency must approve or deny within N days after a defined start date. That is a legal outer bound, not an average. Completeness rules and “good cause” extensions matter.

Deemed approval. Some money-transmitter statutes treat silence after the clock as approval. New York’s money-transmitter statute does not. We only mark deemed approval where the cited section says so.

2. What we will not print

• Invented “fast-track” and “standard” week ranges.
• Vendor price sheets (that is License Store).
• Who must file, or which form to use (that is Licensing Made Simple).
• Star ratings, testimonials, or unnamed “clients say.”
• A hometown slant. The index is fifty states, same template.

3. NMLS is a channel, not a timer

The Nationwide Multistate Licensing System is how many of these company licenses are requested. NMLS does not replace the state review clock. Confirm the current license name and checklist in the NMLS Checklist Compiler before you treat a page as the filing path.

4. Adjacent facts

Individual mortgage loan originator endorsements sometimes have a published window (see California DRE on the California mortgage page). That is labeled as an MLO clock, not as the company-license typical time.

5. Refresh

Sources on this build are stamped accessed 2026-08-29. Statutes and DRE timeframes move. Follow the URL on the page before you promise a launch date.