What are your scores? I am also a Loan Originator , but my license was cancel in January since, fail the NMLS test and run out of time to retake it But, I will apply again and this time I will take classes before I attempt the test. When they run my credit back on Dec 2010 I had a 620 with 8 yr BK and I was clear to go; However, What they are really looking for is Fraud, legal problems with money etc....GOOD LUCK!