How much does it cost to get an MLO license?
Fixed costs to get an MLO license include the $110 SAFE MLO Test fee, a $35 NMLS processing fee, a $36.25 FBI criminal background check, and a $15 credit report. State application fees vary by state and add to that total. The required 20-hour NMLS-approved pre-licensing course also adds a few hundred dollars depending on the provider, so total out-of-pocket costs vary widely by state.
The Alabama SBD charges a license application fee of $75.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Alabama. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Alabama MLO license cost works out to $470.25.
The Alaska Division of Banking & Securities charges a license application fee of $350.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Alaska. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Alaska MLO license cost works out to $745.25.
The Arizona Arizona Department of Insurance and Financial Services charges a license application fee of $350 and a License/Registration Fee of $150 which is prorated according to when your application is approved.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Arizona. The AZ MLO pre-licensing courses are offered by RealEstateU for $199.
If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Arizona MLO license cost works out to $935.25.
The Arkansas Securities Department charges a license application fee of $50.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Arkansas. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Arkansas MLO license cost works out to $445.25.
For a Department of Financial Protection and Innovation (DFPI) license, the state application fee is $300, the NMLS processing fee is $35, the credit report costs $15, and the SAFE test costs $110 per attempt. On the Department of Real Estate track, an Individual (MU4) endorsement filing totals $335, made up of a $300 state fee and a $35 NMLS fee. Education costs vary by provider, and all fees are non-refundable.
Sources: Cal. Fin. Code Div. 9 Ch. 1 Art. 3 (22100-22112): CFL licensing statutes; California DRE: MLO License Endorsement Fee Summary (Effective 3/1/2025); California DFPI: MLO License Fees; NMLS: Processing Fees.
The Colorado Colorado Division of Real Estate charges a license application fee of $48.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Colorado. The CO MLO pre-licensing courses are offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Colorado MLO license cost works out to $443.25.
The Connecticut Department of Banking charges a license fee of $300.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Connecticut. The CT MLO pre-licensing courses are offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Connecticut MLO license cost works out to $695.25.
The Delaware Office of the State Bank Commissioner charges an application fee of $250 and a license/registration fee of $250.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Delaware. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Delaware MLO license cost works out to $895.25.
You pay a DC application fee set by the Commissioner, plus third-party charges for the FBI criminal background check, the credit report, NMLS processing, and the SAFE MLO Test, along with the cost of your 20-hour pre-licensing course, which varies by provider. Applicants commonly pay several hundred dollars in total. D.C. Code § 26-1103 requires each applicant to pay the prescribed fees plus third-party fees when filing.
Sources: NMLS Policy Guide — PE Expiration Policy (NMLS Mortgage Licensing System), corroborated by NMLS District of Columbia state-specific PE/CE requirements page.
A new Florida loan originator application carries a $195 nonrefundable state application fee, plus registry fees paid through NMLS: $35 for the individual filing, $36.25 for the FBI criminal background check, and $15 for the credit report. Florida also requires a separate state criminal history check through the Florida Department of Law Enforcement, paid to an approved fingerprint vendor. The SAFE MLO test costs an additional $110, and prelicensing education is a separate provider-dependent cost.
Sources: Fla. Stat. 494.00312: Loan originator license; NMLS Processing Fees (Nationwide Multistate Licensing System & Registry, operated by CSBS/SRR); Florida Department of Law Enforcement (FDLE) — Criminal History Record Check Fee Schedule; NMLS: Processing Fees.
The GADBF charges a license application fee of $200.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Georgia. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Georgia MLO license cost works out to $595.25.
Hawaii's MLO license fees are a $600 initial application fee, a $200 Mortgage Loan Recovery Fund fee, a $35 state criminal background check fee, and a $35 NMLS processing fee. NMLS also charges $110 for the national SAFE test, $36.25 for fingerprinting, and $15 for the credit report. Annual renewal costs $350 plus a $100 recovery fund fee, and pre-licensing course fees are charged separately.
Sources: HRS 454F-22: Mortgage loan originator, MLOC, exempt sponsoring MLOC, nonprofit, and mortgage servicer company fees (DFI copy, amendments through 2014); HRS 454F-41: Mortgage loan recovery fund; use of fund; fees (DFI copy, amendments through 2014); NMLS: Processing Fees; Hawaii DCCA Division of Financial Institutions — MLO FAQ (with HRS §454F-22 and DFI Fingerprinting Instructions, rev. 11.2020).
The Idaho Idaho Department of Finance charges a license registration fee of $30, an application fee of $200, and a $100 recovery fee. Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Idaho. The ID MLO pre-licensing courses are offered by RealEstateU for $199. If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Idaho MLO license cost works out to $765.25.
The Illinois DFPR charges a license application fee of $200.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Illinois. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Illinois MLO license cost works out to $595.25.
The main costs are a $35 Nationwide Multistate Licensing System (NMLS) processing fee for the MU4 filing, a $50 Indiana state application fee, $110 for the National test component, $36.25 for the FBI criminal background check, and $15 for the credit report. Pre-licensing education is a separate cost that varies by provider. ACH payments carry no service fee, while credit card payments add a 2.5 percent service fee.
Sources: NMLS (Nationwide Multistate Licensing System) — 2024 NMLS Processing Fee Review FAQ; NMLS License Requirements and Fees Chart (IN-DFI / IN-SOS), as corroborated by Morty's Indiana loan officer guide pending primary confirmation; NMLS: Processing Fees.
The Iowa Division of Banking Finance Bureau charges a license application fee of $50.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Iowa. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Iowa MLO license cost works out to $445.25.
The Kansas Office of the State Banking Commissioner (OSBC) charges a license application fee of $100.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Kansas. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Kansas MLO license cost works out to $495.25.
The Kentucky DFI charges a license application fee of $50.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Kentucky. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Kentucky MLO license cost works out to $445.25.
The Louisiana Office of Financial Institutions (OFI) charges a license application fee of $200.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Louisiana. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Louisiana MLO license cost works out to $595.25.
The Maine Bureau of Consumer Credit Protection charges a license application fee of $80.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Maine. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Maine MLO license cost works out to $475.25.
The Maryland Office of Financial Regulation charges a license registration fee of $225 and a MD Application fee of $1.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Maryland. The MD MLO pre-licensing courses are offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Maryland MLO license cost works out to $621.25.
The Massachusetts Division of Banks charges a license application fee of $115.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Massachusetts. The MA MLO pre-licensing courses are offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Massachusetts MLO license cost works out to $510.25.
The Michigan Department of Insurance and Financial Services charges a license fee of $200.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Michigan. The MI MLO pre-licensing courses are offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Michigan MLO license cost works out to $595.25.
The Minnesota Department of Commerce (DOC) charges a license application fee of $90.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Minnesota. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Minnesota MLO license cost works out to $485.25.
The Mississippi Mississippi Department of Banking and Consumer Finance charges a license fee of $201. Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Mississippi. The MS MLO pre-licensing courses are offered by RealEstateU for $199. If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Mississippi MLO license cost works out to $636.25.
The Missouri Division of Finance charges a license application fee of $50.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Missouri. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Missouri MLO license cost works out to $445.25.
The Montana Division of Banking and Financial Institutions charges a license/registration fee of $400. Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Montana. The MT MLO pre-licensing courses are offered by RealEstateU for $199. If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Montana MLO license cost works out to $835.25.
The Nebraska Department of Banking and Finance charges a license application fee of $150.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Nebraska. The NE MLO pre-licensing courses are offered by RealEstateU for $199. If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Nebraska MLO license cost works out to $585.25.
The Nevada Division of Mortgage Lending a license/registration fee of $120.
Additional fees of $36.25 are for a FBI criminal background check, Nationwide Multistate Licensing System (NMLS) processing fee of $30, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Nevada. The 30-hour MLO NV pre-licensing course package is offered by RealEstateU for $199.
After completing the NMLS MLO NV pre-licensing course package, you must pay $110 to take the National MLO SAFE test.
The total Nevada MLO license cost works out to $510.25.
The New Hampshire New Hampshire Banking Department charges an initial processing fee of $30 and a license registration fee of $100. Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in New Hampshire. The NH MLO pre-licensing courses are offered by RealEstateU for $199. If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total New Hampshire MLO license cost works out to $565.25.
The New Jersey Department of Banking and Insurance charges a license application fee of $150. Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge. Identgo, a private company, conducts the NJ State Criminal Background check at an additional cost.
There is also the cost of completing a mortgage loan originator (MLO) license course in New Jersey. The NJ MLO pre-licensing courses are offered by RealEstateU for $199. If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total New Jersey MLO license cost works out to $585.25 plus approximately $50 for the Identgo NJ background check.
The New Mexico Financial Institutions Division charges a license application fee of $200 and a license/registration fee of $200.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in New Mexico. The NM MLO pre-licensing courses are offered by RealEstateU for $199. If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total New Mexico MLO license cost works out to $835.25.
New York mortgage loan originator applicants pay investigation and license fees set by the Department of Financial Services, plus a $35 Nationwide Multistate Licensing System (NMLS) processing fee, with fingerprint fees paid directly to IdentoGO at the time of fingerprinting. Applicants must also complete 20 hours of NMLS-approved pre-licensing education, including 3 hours of New York law, and pass the SAFE MLO test. The price of the education course varies by provider.
Sources: NMLS 2024 Processing Fee Review (SRR Board of Managers / CSBS) — official NMLS fee increase FAQ; NY DFS: Mortgage Loan Originator Application Resources; NMLS: New York State-Specific PE and CE Requirements for MLOs.
The North Carolina Commissioner of Banks Office charges a license application fee of $125.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in North Carolina. The NC MLO pre-licensing courses are offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total North Carolina MLO license cost works out to $520.25.
The North Dakota Department of Financial Institutions charges a license application fee of $30.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in North Dakota. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total North Dakota MLO license cost works out to $475.25.
The Ohio Division of Financial Institutions charges a license application fee of $200.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Ohio. The OH MLO pre-licensing courses are offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Ohio MLO license cost works out to $595.25.
The NMLS system fees for a new Oklahoma mortgage loan originator application are $35 for the MU4 filing, $110 for the SAFE test national component, $36.25 for the criminal background check, and $15 for the credit report. Oklahoma also charges its own application and license fees, and pre-licensure course costs vary by provider. Paying by credit card adds a 2.5% service fee; ACH payments carry no extra fee.
Sources: NMLS: Processing Fees.
The Oregon Oregon Division of Financial Regulation charges a license registration fee of $80.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Oregon. The OR MLO pre-licensing courses are offered by RealEstateU for $199. If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Oregon MLO license cost works out to $515.25.
The Pennsylvania Department of Banking and Securities charges a license application fee of $200.
Additional fees of $36.25 are for a FBI criminal background check, a Pennsylvania state police criminal history background check for $22, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Pennsylvania. The PA MLO pre-licensing courses are offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Pennsylvania MLO license cost works out to $617.25.
The Rhode Island Department of Business Regulation charges a license application fee of $600. Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Rhode Island. The RI MLO pre-licensing courses are offered by RealEstateU for $199. If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Rhode Island MLO license cost works out to $1,035.25.
Both South Carolina licensing authorities (BFI and DCA) charge a license fee of $50.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in South Carolina. The SC MLO pre-licensing courses are offered by RealEstateU for $199. If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total South Carolina MLO license cost works out to $485.25.
The South Dakota Division of Banking charges a license application fee of $150.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in South Dakota. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total South Dakota MLO license cost works out to $545.25.
The Tennessee Department of Financial Institutions charges a license/registration fee of $100 and an application fee of $100.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Tennessee. The TN MLO pre-licensing courses are offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Tennessee MLO license cost works out to $595.25.
The non-education fees on the Texas Department of Savings and Mortgage Lending path are the $125 application fee plus a $20 recovery fund fee, the $35 individual set-up fee paid to the Nationwide Multistate Licensing System (NMLS), $110 for the SAFE MLO test, $36.25 for the FBI criminal background check, and $15 for the credit report. The 23-hour pre-licensing education is a separate cost that varies by education provider. All fees are paid through NMLS and are not refundable or transferable. The state fees took effect November 1, 2024 and remain unchanged for FY2027.
Sources: Texas Department of Savings and Mortgage Lending — Licensing Fee Schedule Announcement (FY2025, effective November 1, 2024), confirmed unchanged by FY2026 and FY2027 announcements; NMLS (Nationwide Multistate Licensing System) — 2024 NMLS Processing Fee Review FAQ; NMLS: Processing Fees (official NMLS Reference Guide); NMLS: Texas (TX - SML) state-specific PE and CE requirements for MLOs.
The core costs are the NMLS fees: $35 for the initial MU4 set-up (per agency), $110 for the national test component, $36.25 for the criminal background check, and $15 for the credit report. Utah also charges state-specific fees that vary by agency, and paying by credit card adds a 2.5% service fee. All fees paid through NMLS are nonrefundable.
Sources: NMLS: Processing Fees; Utah Admin. Code R343-5-2: DFI Mortgage Loan Originator Surety Bond Requirements (LII mirror).
The Vermont Department of Financial Regulation charges a licensing fee of $50 and a $50 investigation fee. Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Vermont. The VT MLO pre-licensing courses are offered by RealEstateU for $199. If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Vermont MLO license cost works out to $535.25.
The VABFI charges a license application fee of $150.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Virginia. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Virginia MLO license cost works out to $545.25.
The DC Department of Insurance, Securities, and Banking charges a license application fee of $300.
Additional fees paid through Nationwide Multistate Licensing System (NMLS) regardless of license issuer are $36.25 for a FBI criminal background check, NMLS processing fee of $35, and $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Washington DC. The DC MLO pre-licensing courses are offered by RealEstateU for $199. If you complete the national and state course and want us to forward the results to NMLS there is a $40 charge.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Washington DC MLO license cost works out to $735.25.
Expect at least $200 for the state application fee, plus the actual cost of fingerprint processing and a $35 NMLS processing fee. The $200 state fee is set by W. Va. Code 31-17A-4, and all fees are collected through NMLS and are not refundable. The commissioner may reduce or waive fees for MLOs employed by qualifying nonprofit housing organizations.
Sources: W. Va. Code 31-17A-4: State license application and issuance (SAFE Mortgage Licensing Act); NMLS: Annual Renewal Fees (individuals).
The Wisconsin Department of Financial Institutions (DFI) charges a license application fee of $250.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Wisconsin. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Wisconsin MLO license cost works out to $645.25.
The Wyoming Division of Banking charges a license application fee of $120.
Additional fees of $36.25 are for an FBI criminal background check, a Nationwide Multistate Licensing System (NMLS) processing fee of $35, and a $15 credit report charge.
There is also the cost of completing a mortgage loan originator (MLO) license course in Wyoming. The 20-hour MLO pre-licensing course is offered by RealEstateU for $199.
After completing the NMLS MLO pre-licensing course, you must pay $110 to take the National MLO SAFE test.
The total Wyoming MLO license cost works out to $515.25.