All good to know. The prints with the NMLS are less than three years old, so I'm wondering what the lag is. Guy's been on staff for some time and not MLO-ing yet. Safe Officer says the bkgrd check isn't back. And like I said up above, our procedures involve a few more steps. Although, one would hope an experienced MLO could pull off filling out the attestation in a timely manner! (Sorry, Visions of late LEs in my head....)