Where can I find an NMLS-approved provider for the required 20-hour MLO pre-license course?

NMLS reviews and approves all pre-licensing education providers and maintains the catalog you search to find and enroll in the 20-hour course. NMLS itself does not offer pre-licensing courses, a separation the SAFE Act requires to keep the approval process independent. Many states add state-specific hours, so confirm your state's requirements before enrolling.

Alaska requires 20 hours of NMLS-approved pre-licensure education, so you must choose a provider whose course is approved in NMLS. The hours break down as 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, and 12 hours of electives. Alaska adds no state-specific law hours, so any NMLS-approved 20-hour course meets the state's requirement.

NMLS maintains the national catalog of approved pre-license education, and Arizona requires that your 20-hour course come from that approved catalog. Arizona's requirement is 20 total hours: 3 hours federal law, 3 hours ethics, 2 hours nontraditional mortgage lending, 8 hours of electives, and 4 hours of Arizona law, with the state-specific hours counted inside the 20 rather than added on top. You can search the approved course catalog through the NMLS website and confirm a course is approved before enrolling.

The Arkansas Securities Department refers applicants to the Nationwide Multistate Licensing System (NMLS) for its approved course-provider listings, since Arkansas mortgage loan officer education runs entirely through NMLS-approved providers. The required 20 hours of pre-licensing education may be completed in a classroom, online, or another NMLS-approved format, and employer- or affiliate-provided NMLS-approved courses are permitted. Arkansas requires no state-specific law hours beyond the national 20.

You can take the required 20 hours of pre-license education from any provider approved through NMLS, and you may complete the course from an approved provider in any area of the United States, per the California Department of Real Estate (DRE). Only education previously approved through NMLS counts toward the requirement. The 20 hours must include 3 hours of federal law, 3 hours of ethics, and 2 hours on nontraditional mortgage products.

Colorado's 20 hours of pre-licensing education must come from a provider approved by NMLS. Schools located in Colorado, or out-of-state schools that actively solicit and enroll Colorado residents, must also be approved by the Colorado Private Occupational School Board. The coursework must include 2 hours of Colorado state-specific content, which may be completed as a standalone course or within the 20 hours.

NMLS maintains the catalog of approved prelicensing education courses on its website, and you select and pay for the 20-hour course through NMLS-approved providers. Delaware requires 20 hours: 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage products, and 12 elective hours. Delaware also accepts prelicensing education approved for any other state as credit toward its own requirement.

The Nationwide Multistate Licensing System (NMLS) publishes the official catalog of approved pre-license education, which lists every provider authorized to offer DC's required 20 hours. Approved providers deliver the DC coursework online, and it includes 3 hours of DC law within the 20-hour total. You can filter the catalog to show providers serving DC applicants.

Florida statute requires the prelicensing class to be approved by the registry, and NMLS publishes the courses approved to satisfy the 20-hour prelicensing requirement. At least 2 of the 20 hours must cover Florida law and rules. Course prices vary by provider and are paid separately from the application and screening fees.

Testing and education provider information and guides are published on the NMLS Resource Center under Professional Standards. Georgia requires at least 20 hours of NMLS-approved pre-licensure education: 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, and 12 hours of electives. Georgia adds no state-specific pre-licensure hours, so the standard national 20-hour course is all that is required.

NMLS lists approved pre-licensure education courses on its education portal, and course completions are banked in your NMLS record. For Idaho, choose a course that provides the required 20 hours, including 2 hours of Idaho law counted within that total. Providers can take up to 7 days to report a completion into NMLS, so finish well before any deadline.

The 20 hours of pre-license education must be completed through a provider approved by the Nationwide Multistate Licensing System (NMLS). Illinois adds no state-specific hours, so the standard curriculum applies: 3 hours of federal law, 3 hours of ethics, 2 hours on non-traditional mortgage lending, and 12 hours of electives. Providers report course completions into your NMLS account.

The Nationwide Multistate Licensing System (NMLS) publishes a Master Course Catalog on its website that lists every approved course provider for Louisiana's 20-hour requirement, and the Louisiana Office of Financial Institutions links to that catalog and the approved-provider list from its residential mortgage lending page. Louisiana requires no state-specific education, so any NMLS-approved 20-hour SAFE course meets the requirement.

The Nationwide Multistate Licensing System (NMLS) reviews and approves both the 20-hour prelicensing course and the course provider, and its approved-course catalog lists the providers that satisfy Maine's requirement. Courses may be delivered in a classroom, online, or by any other means NMLS approves. Employer- or affiliate-provided NMLS-approved courses are also permitted, and Maine accepts prelicensing education completed for any other state under NMLS standards.

You can find approved courses through the NMLS education catalog. Maryland no longer approves prelicensing courses or providers itself; since January 1, 2010, all prelicensing education courses and providers must be approved by the Nationwide Mortgage Licensing System and Registry (NMLS). The required 20 hours must include 3 hours of Maryland mortgage-related law and 2 hours of Maryland finder's fee law.

NMLS publishes a searchable catalog of approved pre-license courses and providers on its website, where you can filter for Massachusetts. Your 20 hours must include 3 hours of Massachusetts-specific law content, which can be satisfied through either a Massachusetts comprehensive course or a state-specific elective course. NMLS must show compliance with your education before you can submit the license application.

NMLS approves all prelicensing courses, and you can search the catalog of approved providers on the NMLS website. Minnesota requires 20 hours, including 3 hours of federal law, 3 hours of ethics, and 2 hours on nontraditional mortgage products, with the state adding no hours of its own. Courses may be taken in a classroom, online, or another NMLS-approved format.

Pre-license courses for Mississippi mortgage loan originators must come from providers approved by the Nationwide Mortgage Licensing System and Registry (NMLS), which maintains the approved-course catalog and reports completions into your NMLS record. Mississippi requires 20 hours total, including 4 hours on the Mississippi S.A.F.E. Mortgage Act, which may be met through a Mississippi comprehensive course or a state-specific elective.

NMLS publishes a course catalog on its website that lists every NMLS-approved provider of the 20-hour prelicensing course. Missouri requires 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage products, and 12 hours of electives, with no additional Missouri-specific hours. Courses may be classroom, online, or another NMLS-approved format, and employer-provided courses are permitted.

NMLS approves prelicensing education providers and publishes the course catalog of approved courses on its website, so you can select an approved provider there. Montana requires 20 hours of NMLS-approved education, including 2 hours of Montana-specific law counted within the 20. Montana also accepts prelicensing education approved by NMLS for any other state toward its requirement, which can be satisfied by either a Montana comprehensive course or a state-specific elective course.

NMLS approves every pre-licensing course provider, and the NMLS education catalog lists the approved 20-hour courses available for Nebraska. Your state-specific requirement is satisfied either through a Nebraska comprehensive course or a stand-alone 2-hour Nebraska law elective. Provider pricing for the courses varies, so compare packages in the catalog before enrolling.

You can search the education section of the NMLS website, which lists approved course providers by state. New Jersey requires 20 hours of NMLS-approved pre-licensure education, including 4 hours of New Jersey-specific content, and the hours must be completed before you submit your license application through Form MU4.

NMLS publishes the catalog of approved pre-licensing education courses through the education section of its website, where courses can be searched by state and license type. New York requires 20 hours of NMLS-approved education, including 3 hours of New York law, and the New York-specific content cannot be older than 3 years from the date of application. The education must be completed before the license application is submitted.

You can find approved course providers in the NMLS course catalog, because all prelicensing education in North Carolina must come from NMLS-approved providers. Note that the state requires 24 hours, not 20: 3 hours of federal law, 3 hours of ethics, 2 hours of nontraditional mortgage products, 12 hours of electives, and 4 hours of North Carolina statutes and rules. Course costs vary by provider and format.

The NMLS Resource Center publishes a catalog of approved prelicensing education providers that you can search online. The course must total 20 hours: 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage products, and electives. North Dakota adds no state-specific hours to the national package, and education approved by NMLS for any other state is accepted as credit.

Pennsylvania accepts pre-licensing education only from NMLS-approved providers, and you can search the approved course catalog through the NMLS Resource Center, which the Department of Banking and Securities designates as the official gateway into the system. Your 20 hours must include 3 hours of Pennsylvania-specific law, satisfied by either a Pennsylvania comprehensive course or a state-specific elective.

The Nationwide Multistate Licensing System (NMLS) publishes the official catalog of approved 20-hour pre-licensing courses, searchable once you create an NMLS account. When you enroll, select the South Carolina track that matches your employer: state-specific credit applies only to the license issued by the matching agency, either the State Board of Financial Institutions or the Department of Consumer Affairs.

Vermont requires the 20 hours of pre-licensing education to come from courses and providers approved by NMLS, which reviews both the course content and the provider. Courses may be delivered in a classroom, online, or another NMLS-approved format, and your employer or an affiliated entity may provide them. Within the 20 hours, 2 must cover Vermont law and regulations, satisfied by a Vermont comprehensive course or a state-specific elective.

NMLS approves providers and courses and lists them in the NMLS Resource Center, where you can search online and classroom options. Washington requires 22 hours of prelicensing education, not 20: the 8 SAFE hours plus 4 hours of Washington law, with the remainder as electives. Once you complete the SAFE-required education approved for any state, you receive credit in every state, so only the 4 Washington-specific hours are extra.

West Virginia requires 24 hours of approved prelicensing education, not the 20-hour federal minimum, including 4 hours on West Virginia mortgage and consumer law. Courses are reviewed and approved by NMLS or the state Division of Financial Institutions, and may be delivered in a classroom, online, or by other NMLS-approved means. A course may be provided by your employer or an affiliated entity, and the federal-law, ethics, and nontraditional-mortgage hours completed in another state are accepted.

NMLS maintains the approved-education list: the NMLS Resource Center lets you search approved pre-license courses and providers, and any provider on that list satisfies Wisconsin's requirement. Wisconsin adds no state-specific coursework, so the standard national 20-hour SAFE curriculum from an approved provider is all you need. Approved providers typically price their 20-hour packages in the range of a few hundred dollars, and many include exam prep.

Wyoming requires the 20 hours of pre-licensure education to come from an NMLS-approved provider. The hours break down as 3 hours of federal law, 3 hours of ethics, 2 hours on non-traditional mortgage lending, and 12 hours of electives, and Wyoming adds no state-specific hours beyond the national baseline. The NMLS State Resource Center is the official hub for Wyoming's licensing checklists and education requirements.