What are the requirements to obtain an MLO license?

To obtain a state MLO license, you must complete at least 20 hours of NMLS-approved pre-licensing education (3 hours federal law, 3 hours ethics, 2 hours nontraditional mortgage products, 12 hours electives), pass the SAFE MLO Test with a score of at least 75%, and submit fingerprints for an FBI criminal background check and authorize a credit report. Federal standards also require no felony conviction in the prior 7 years (or ever, for fraud-related felonies) and demonstrated financial responsibility. In most states, the license becomes active only after your employer sponsors you in NMLS.

Several Alabama MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Alabama Department of Commerce (SBD) issues an MLO license in Alabama after these conditions are met.

Several Alaska MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Alaska Division of Banking & Securities issues an MLO license in Alaska after these conditions are met.

Several Arizona MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 4 hours of AZ content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Arizona Arizona Department of Insurance and Financial Services issues an MLO license in Arizona after these conditions are met.

Several Arkansas Loan Officer license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Arkansas Securities Department issues a Arkansas Loan Officer license after these conditions are met.

Several California MLO license requirements must be met before obtaining a license.

• Complete 20 hours NMLS approved of pre-licensing coursework which includes 2 hours of California-specific content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond.

The California Department of Financial Protection and Innovation (CADFPI) issues an MLO license in California after these conditions are met.

Several Colorado MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 2 hours of CO content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Colorado Colorado Division of Real Estate issues an MLO license in Colorado after these conditions are met.

Several Connecticut MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 1 Hour CT SAFE: Connecticut Laws course.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Connecticut Department of Banking issues an MLO license in Connecticut after these conditions are met.

Several Delaware MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Delaware Office of the State Bank Commissioner issues an MLO license in Delaware after these conditions are met.

To obtain a DC mortgage loan originator license, you must complete 20 hours of NMLS-approved pre-licensing education and pass the SAFE MLO test with a score of at least 75%. You must submit an application through NMLS with fingerprints, written consent to a criminal background check, an independent credit report, and details of any administrative, civil, or criminal findings. You must also have a sponsor, a DC-licensed mortgage lender or broker that employs you, and you must complete the Affidavit of Prior Mortgage Loan Originator or Loan Officer Activity even with no prior DC activity.

Several Florida MLO license requirements must be met before obtaining a license.

• Complete 20 hours NMLS approved of pre-licensing coursework which includes 2 hours of Florida-specific content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.

The Florida Office of Financial Regulation (FLOFR) issues an MLO license in Florida after these conditions are met.

Several Georgia MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Georgia Department of Banking and Finance (GADBF) issues an MLO license in Georgia after these conditions are met.

Several Hawaii MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course with the 3 Hour HI SAFE: Hawaii Laws course.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Hawaii Division of Financial Institutions issues an MLO license in Hawaii after these conditions are met.

Several Idaho MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 2 hours of ID content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Idaho Idaho Department of Finance issues an MLO license in Idaho after these conditions are met.

Several Illinois MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Illinois Department of Financial & Professional Regulation issues an MLO license in Illinois after these conditions are met.

Several Indiana MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course
• If obtaining the license through the Secretary of State, this must include 2 hours of IN content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Indiana Department of Financial Institutions (DFI) and the Indiana SOS issue the Mortgage Loan Originator license after these conditions are met.

Several Iowa MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Iowa Division of Banking Finance Bureau issues an MLO license in Iowa after these conditions are met.

Several Kansas MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Kansas Office of the State Banking Commissioner (OSBC) issues an MLO license in Kansas after these conditions are met.

Several Kentucky MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Kentucky Department of Financial Institutions issues an MLO license in Kentucky after these conditions are met.

Several Louisiana MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Louisiana Office of Financial Institutions (OFI) issues an MLO license in Louisiana after these conditions are met.

Several Maine MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Maine Bureau of Consumer Credit Protection issues an MLO license in Maine after these conditions are met.

Several Maryland MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes the 5 Hour MD SAFE: Maryland Laws course.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Maryland Office of Financial Regulation issues an MLO license in Maryland after these conditions are met.

Several Massachusetts MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 3 Hour MA SAFE: Massachusetts Laws course.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Massachusetts Division of Banks issues an MLO license in Massachusetts after these conditions are met.

Several Michigan MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive with 2 hours of MI content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Michigan Department of Insurance and Financial Services issues an MLO license in Michigan after these conditions are met.

Several Minnesota MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Minnesota Department of Commerce (DOC) issues an MLO license in Minnesota after these conditions are met.

Several Mississippi MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 4hours of MS content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Mississippi Mississippi Department of Banking and Consumer Finance issues an MLO license in Mississippi after these conditions are met.

Several Missouri MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Missouri Division of Finance issues an MLO license in Missouri after these conditions are met.

Several Montana MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 2 hours of MT content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Montana Division of Banking and Financial Institutions issues an MLO license in Montana after these conditions are met.

Several Nebraska MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 2 hours of NE content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Nebraska Nebraska Department of Banking and Finance issues an MLO license in Nebraska after these conditions are met.

Several Nevada MLO license requirements must be met before obtaining a license.

• Complete 20 hours NMLS approved of pre-licensing coursework, plus 10-hours of elective credits, which includes a 4-hour NV-specific module. Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.

The Nevada Division of Mortgage Lending issues a Nevada MLO license after these conditions are met.

Several New Hampshire MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 2 hours of NH content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The New Hampshire New Hampshire Banking Department issues an MLO license in New Hampshire after these conditions are met.

Several New Jersey MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 4 hours of NJ content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The New Jersey New Jersey Department of Banking and Insurance issues an MLO license in New Jersey after these conditions are met.

Several New Mexico MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 3 hours of NM content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The New Mexico New Mexico Financial Institutions Division issues an MLO license in New Mexico after these conditions are met.

Several New York MLO license requirements must be met before obtaining a license.

• Complete 20 hours NMLS approved of pre-licensing coursework which includes 3 hours of New York-specific content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The New York Department of Financial Services (NYDFS) issues an MLO license in New York after these conditions are met.

Several North Carolina MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 4 Hour NC SAFE: North Carolina Laws course.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The North Carolina Commissioner of Banks Office issues an MLO license in North Carolina after these conditions are met.

Several North Dakota MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The North Dakota Department of Financial Institutions issues an MLO license in North Dakota after these conditions are met.

Several Ohio MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 4 Hour OH SAFE: Ohio Laws course.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Ohio Division of Financial Institutions issues an MLO license in Ohio after these conditions are met.

Several Oklahoma MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course with the 1 Hour OK SAFE: Oklahoma Laws course.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Oklahoma Department of Consumer Credit issues an MLO license in Oklahoma after these conditions are met.

Several Oregon MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 4 hours of OR content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Oregon Oregon Division of Financial Regulation issues an MLO license in Oregon after these conditions are met.

Several Pennsylvania MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course and the 3 Hour PA SAFE: Pennsylvania Laws course.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Pennsylvania Department of Banking and Securities issues an MLO license in Pennsylvania after these conditions are met.

Several Rhode Island MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 3 hours of RI content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Rhode Island Rhode Island Department of Business Regulation issues an MLO license in Rhode Island after these conditions are met.

Several South Carolina MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 3 hours of SC content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The South Carolina BFI issues the Mortgage Loan Originator License and the South Carolina Department of Consumer Affairs (DCA) issues the Mortgage Broker Loan Originator license after these conditions are met.

Several South Dakota MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The South Dakota Division of Banking issues an MLO license in South Dakota after these conditions are met.

Several Tennessee MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course with the 2 Hour TN SAFE: Tennessee Laws course.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Tennessee Department of Financial Institutions issues an MLO license in Tennessee after these conditions are met.

Several Texas MLO license requirements must be met before obtaining a license.

• Complete 20 hours NMLS approved of pre-licensing coursework which includes 3 hours of Texas-specific content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond.

The Texas Department of Savings and Mortgage Lending (TXSML) issues an MLO license in Texas after these conditions are met.

Several Vermont MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 2 hours of VT content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Vermont Vermont Department of Financial Regulation issues an MLO license in Vermont after these conditions are met.

Several Virginia MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Virginia Bureau of Financial Institutions (VABFI) issues an MLO license in Virginia after these conditions are met.

Several Washington DC MLO license requirements must be met before obtaining a license.

• Complete the 20 Hour Secure and Fair Enforcement for Mortgage Licensing (SAFE) Comprehensive course which includes 3 hours of DC content.
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The DC Department of Insurance, Securities, and Banking issues an MLO license in Washington DC after these conditions are met.

To obtain a West Virginia MLO license, you must complete 24 hours of approved prelicensing education, pass the NMLS-developed test with a score of at least 75%, submit fingerprints for an FBI criminal background check, authorize an independent credit report, and pay a $200 application fee plus fingerprint and NMLS processing fees. A sponsoring employer must also submit sponsorship through NMLS at the time of the license request, and you must be covered by a surety bond, which an employer's bond can satisfy.

Several Wisconsin MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Wisconsin Department of Financial Institutions (DFI) issues an MLO license in Wisconsin after these conditions are met.

Several Wyoming MLO license requirements must be met before obtaining a license.

• Complete 20 hours of NMLS approved pre-licensing coursework (the 20 Hour SAFE Comprehensive course).
• Sit for the National Mortgage Loan Originator test and pass the exam.
• Pay the required license fees through the Nationwide Multistate Licensing Service (NMLS). Attach the application with details of residency and employment history.
• Complete fingerprinting to clear criminal background checks by the state and federal agencies.
• Submit a credit report that proves you can take financial responsibility.
• Be covered under an employer’s lending bond or obtain an individual surety bond.

The Wyoming Division of Banking issues an MLO license in Wyoming after these conditions are met.