How many hours of coursework are required for an MLO license?
A state-licensed mortgage loan originator must complete at least 20 hours of NMLS-approved pre-licensing education before applying for a license. The 20 hours must include 3 hours of federal law and regulations, 3 hours of ethics (covering fraud, consumer protection, and fair lending), 2 hours on lending standards for nontraditional mortgage products, and 12 hours of undefined instruction on mortgage origination. Many states add state-specific hours on top of the federal 20, so total hours vary by state.
The Alabama mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Alaska mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Arizona mortgage loan originator (MLO) license education requirement consists of 24 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 4-hour Arizona course.
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The Arkansas mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The California mortgage loan originator (MLO) license education requirements include the 20-hour National Secure and Fair Enforcement for Mortgage Licensing (SAFE) course, plus the 2-hour California State specific module. That's a total of 22 hours of coursework.
Check out the RealEstateU MLO license course in California that covers both the National and state-specific sections.
The Colorado mortgage loan originator (MLO) license education requirement consists of 24 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 2-hour Colorado course.
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The Connecticut mortgage loan originator (MLO) license education requirement consists of 21 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 1-hour CT SAFE: Connecticut Laws course.
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The Delaware mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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DC requires 20 hours of NMLS-approved pre-licensing education. The 20 hours comprise 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, 9 hours of electives, and 3 hours of DC law within the same total. The 3 DC-law hours may be satisfied by either a DC comprehensive course or a state-specific elective course.
Sources: NMLS Policy Guide — PE Expiration Policy (NMLS Mortgage Licensing System), corroborated by NMLS District of Columbia state-specific PE/CE requirements page; NMLS — Education Functional Spec, Continuing Education (1.3.2), corroborated by NMLS MLO Education FAQ; NMLS: District of Columbia State-Specific Education Requirements (PE and CE) for MLOs.
The Florida mortgage loan originator (MLO) license education requirements include the 20-hour National Secure and Fair Enforcement for Mortgage Licensing (SAFE) course, plus the 2-hour Florida State specific module. That's a total of 22 hours of coursework.
Check out the RealEstateU MLO license course in Florida that covers both the National and state-specific sections.
The Georgia mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Hawaii mortgage loan originator (MLO) license education requirement consists of 24 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 3-hour HI SAFE: Hawaii Laws course.
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The Idaho mortgage loan originator (MLO) license education requirement consists of 22 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 2-hour Idaho course.
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The Illinois mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Indiana mortgage loan originator (MLO) license education requirement consists of 22 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 2-hour Indiana SOS course for Mortgage Broker MLOs.
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The Iowa mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Kansas mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Kentucky mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Louisiana mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Maine mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Maryland mortgage loan originator (MLO) license education requirement consists of 24 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes the 5-hour MD Maryland Laws course.
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The Massachusetts mortgage loan originator (MLO) license education requirement consists of 23 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 3-hour MA SAFE: Massachusetts Laws course.
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The Michigan mortgage loan originator (MLO) license education requirement consists of 20 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 2 hours of Michigan content.
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The Minnesota mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Mississippi mortgage loan originator (MLO) license education requirement consists of 24 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 4-hour Mississippi course.
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The Missouri mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Montana mortgage loan originator (MLO) license education requirement consists of 22 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 2-hour Montana course.
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The Nebraska mortgage loan originator (MLO) license education requirement consists of 22 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 2-hour Nebraska course.
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The Nevada mortgage loan originator (MLO) license education requirement is the 20-hour National Secure and Fair Enforcement for Mortgage Licensing (SAFE) course, plus 10-hour of elective credits, which includes a 4-hour NV-specific module.
The New Hampshire mortgage loan originator (MLO) license education requirement consists of 22 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 2-hour New Hampshire course.
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The New Jersey mortgage loan originator (MLO) license education requirement consists of 24 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 4-hour New Jersey course.
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The New Mexico mortgage loan originator (MLO) license education requirement consists of 23 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 3-hour New Mexico course.
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The New York mortgage loan originator (MLO) license education requirements include the 20-hour National Secure and Fair Enforcement for Mortgage Licensing (SAFE) course, plus the 3-hour New York State specific module. That's a total of 23 hours of coursework.
Check out the RealEstateU MLO license course in New York that covers both the National and state-specific sections.
The North Carolina mortgage loan originator (MLO) license education requirement consists of 24 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 4-hour NC SAFE: North Carolina Laws course.
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The North Dakota mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Ohio mortgage loan originator (MLO) license education requirement consists of 24 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 4-hour OH SAFE: Ohio Laws course.
Check out the RealEstateU MLO license course in Ohio by scrolling up to the course packages on this page.
The Oklahoma mortgage loan originator (MLO) license education requirement consists of 24 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 1-hour OK SAFE: Oklahoma Laws course.
Check out the RealEstateU MLO license course in Oklahoma by scrolling up to the course packages on this page.
The Oregon mortgage loan originator (MLO) license education requirement consists of 24 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 4-hour Oregon course.
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The Pennsylvania mortgage loan originator (MLO) license education requirement consists of 23 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 3-hour PA SAFE: Pennsylvania Laws course.
Check out the RealEstateU MLO license course in Pennsylvania by scrolling up to the course packages on this page.
The Rhode Island mortgage loan originator (MLO) license education requirement consists of 23 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 3-hour Rhode Island course.
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The South Carolina mortgage loan originator (MLO) license education requirement consists of 20 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 3-hour South Carolina course.
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The South Dakota mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Tennessee mortgage loan originator (MLO) license education requirement consists of 20 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course with the 2-hour TN SAFE: Tennessee Laws course.
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The Texas mortgage loan originator (MLO) license education requirements include the 20-hour National Secure and Fair Enforcement for Mortgage Licensing (SAFE) course, plus the 3-hour Texas specific module. That's a total of 23 hours of coursework.
Check out the RealEstateU MLO license course in Texas that covers both the National and state-specific sections.
A Utah mortgage loan originator must complete 20 hours of NMLS-approved prelicensing education: 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, and 12 hours of electives. A Utah Division of Real Estate applicant adds 5 hours of Utah-specific instruction, for 25 hours total, and must finish those state hours within the 12 months before applying. A Utah Department of Financial Institutions applicant needs only the 20 national hours.
Sources: Utah Admin. Code R162-2c-201: Licensing and Registration Procedures (LII mirror); Utah Admin. Code R162-2c-204: License Renewal, Reinstatement, and Reapplication (LII mirror); NMLS: Utah (UT - DRE) State-Specific Education Requirements (PE and CE) for MLOs.
The Vermont mortgage loan originator (MLO) license education requirement consists of 22 hours of coursework. This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 2-hour Vermont course.
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The Virginia mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
Check out the RealEstateU MLO license course in Virginia by scrolling up to the course packages on this page.
The Washington DC MLO license education requirement consists of 23 hours of coursework.This includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 3-hour Washington DC course.
Check out the RealEstateU mortgage loan originator (MLO) license course in Washington DC by scrolling up to the course packages on this page.
West Virginia requires 24 hours of NMLS-approved prelicensing education for an MLO license, which exceeds the federal 20-hour minimum. The 24 hours must include at least 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage lending standards, and 4 hours on West Virginia mortgage and consumer laws, with the remaining hours as elective education.
Sources: W. Va. Code 31-17A-6: Prelicensing and relicensing education of loan originators.
The Wisconsin mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
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The Wyoming mortgage loan originator (MLO) license education requirement only includes the National 20-hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course.
Check out the RealEstateU MLO license course in Wyoming by scrolling up to the course packages on this page.