Where can I take mortgage loan officer courses online?

Mortgage loan originator courses are offered only by providers approved by the Nationwide Multistate Licensing System (NMLS), which itself does not offer courses, in order to keep the approval process independent. Approved courses come in three delivery formats: classroom, classroom-equivalent webinar-style sessions, and online self-paced, so most requirements can be completed online. Applicants search for, select, and enroll in courses through NMLS-approved providers.

Alabama's 20 hours of prelicensing education may be completed online through any NMLS-approved education provider, because the statute permits courses by classroom, online, or other NMLS-approved means. Alabama adds no state-specific hours, so any NMLS-approved course covering 3 hours of federal law, 3 hours of ethics, and 2 hours on nontraditional lending, with the rest as electives, satisfies the requirement.

Arkansas loan officer courses are delivered only through providers approved by the Nationwide Multistate Licensing System (NMLS); the Arkansas Securities Department keeps no separate catalog and refers applicants to NMLS. The required 20 hours of prelicensing education may be completed online, in a classroom, or by other NMLS-approved means, and courses provided by an employer or affiliate are permitted when NMLS-approved.

The 20 hours of pre-licensing education must come from an NMLS-approved provider, and courses can be taken online from any approved provider in any area of the United States. The education may be split across multiple courses taken over a period of time. Only NMLS-approved courses count, and real estate license continuing education cannot be substituted for the 20-hour requirement.

Online MLO courses are available from education providers approved by both NMLS and the Colorado Private Occupational School Board, which regulates schools that enroll Colorado students. Colorado requires 20 hours of NMLS-approved pre-licensing education, including 2 hours of Colorado-specific content that may be completed as a standalone online course.

Connecticut requires 21 hours of NMLS-approved prelicensing education (20 hours of general content plus 1 hour of Connecticut law), and you can complete all of it online. Courses are offered by NMLS-approved providers, whose current catalog appears on the NMLS education portal. The 1-hour Connecticut requirement can be met with either a state-specific elective course or a comprehensive course.

Delaware requires 20 hours of NMLS-approved prelicensing education, and most approved providers deliver the coursework online. The hours must include 3 hours of federal law, 3 hours of ethics, and 2 hours on nontraditional mortgage products, with the rest as electives. Delaware requires no state-specific content, and education approved for any other state counts toward the Delaware requirement.

You can complete the required education online through any NMLS-approved provider listed in the NMLS course catalog. DC requires 20 total hours of NMLS-approved pre-license education: 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, with the DC-law hours counted within the 20-hour total.

Georgia requires 20 hours of NMLS-approved pre-licensure education, with no state-specific hours, so any NMLS-approved provider's standard national course satisfies the requirement. You can take the course online. The NMLS Resource Center lists approved education providers under its Professional Standards section.

Hawaii mortgage loan originator (MLO) pre-licensing education may be taken online. HRS 454F-6 allows approved courses to be delivered in a classroom, online, or by any other means approved by the Nationwide Multistate Licensing System & Registry (NMLS). The required 20 hours must include 3 hours of Hawaii law and rules, and any course you take must be NMLS-approved.

You complete the required coursework online through providers approved by the Nationwide Multistate Licensing System (NMLS), which maintains the catalog of approved courses and providers. Idaho requires 20 hours of NMLS-approved pre-licensure education before you apply, including 2 hours of Idaho law counted within the 20. Providers offer the courses in self-paced online formats as well as instructor-led online and webinar formats.

The required 20 hours of pre-licensing education must come from an NMLS-approved provider, and approved providers commonly offer the coursework online through the NMLS education catalog. Illinois adds no state-specific hours beyond the standard package: 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, and 12 hours of electives.

Iowa accepts prelicensing education approved by the Nationwide Multistate Licensing System (NMLS) for any state as credit toward its 20-hour requirement (Iowa Code 535D.7(5)), so you can complete the coursework online with any NMLS-approved provider. Approved providers and their online course offerings appear in the NMLS education catalog.

Maine accepts prelicensing education delivered online, in a classroom, or by any other means approved by NMLS, so you can complete the 20-hour requirement entirely online through any NMLS-approved provider. Maine adds no state-specific hours, so the standard federal package (3 hours federal law, 3 hours ethics, 2 hours nontraditional lending, 12 hours of electives) satisfies the requirement.

Maryland mortgage loan officer prelicensing courses are available online. State law permits prelicensing education to be delivered in a classroom, online, or by any other means NMLS approves, and every course and provider must be NMLS-approved; Maryland stopped approving courses itself in 2010. The required 20 hours include 5 hours of Maryland-specific law, which can be met with either a Maryland comprehensive course or a state-specific elective course.

You can complete Mississippi's required 20 hours of prelicensing education online through any NMLS-approved provider. The hours must include 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage products, and 4 hours on the Mississippi S.A.F.E. Mortgage Act. Providers report course completions into NMLS, which can take up to 7 days.

Missouri allows prelicensing education to be delivered classroom, online, or by any other NMLS-approved means, taken through NMLS-approved providers. The required 20-hour course includes 3 hours of federal law, 3 hours of ethics, 2 hours of nontraditional mortgage products, and 12 hours of electives. Prelicensing education you completed for another state's NMLS-approved requirement counts toward Missouri's.

Nebraska accepts online pre-licensing education, and state law permits the required courses to be delivered by classroom, online, or other NMLS-approved means. You need 22 hours of NMLS-approved education, including 2 hours of Nebraska-specific law, completed before you submit your license application. NMLS-approved providers and their courses appear in the NMLS course catalog.

Pre-licensure courses must come from an NMLS-approved provider. New Hampshire requires 20 hours of approved education, and the 2 hours of New Hampshire law can be satisfied by either a New Hampshire comprehensive course or a state-specific elective course. Approved providers offer the coursework in online self-paced, video, and live webinar formats; webinar courses require a webcam and a government-issued ID at the start.

New Jersey pre-licensure education is delivered by providers approved by the Nationwide Multistate Licensing System (NMLS), and you can complete the required hours online. The coursework totals 20 hours and must include 4 hours of New Jersey law within that total. The NMLS course catalog lists the approved providers and courses, so you can choose an online format that fits your schedule.

Online MLO courses are available from NMLS-approved education providers in self-paced, video, and webinar formats. Any course you take must be NMLS-approved; New Mexico requires 20 hours of pre-licensure education, including 3 hours of New Mexico law, before you can apply for the license.

New York requires 20 hours of NMLS-approved pre-licensing education, including 3 hours of New York law, completed before you submit the application. Course format matters: an MLO with less than four years of experience must take pre-licensing education only in a traditional live classroom, a fully interactive video or audio conference, or a comprehension-gated online format where you cannot advance without demonstrating mastery. Passive online courses do not qualify for those applicants.

You can complete the required 24 hours of prelicensing education online through any provider approved by the Nationwide Multistate Licensing System (NMLS). North Carolina accepts education completed in a classroom or a classroom-equivalent format, which includes approved online courses. The 24 hours consist of 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage lending, 12 hours of electives, and 4 hours of North Carolina law.

Ohio pre-license education is available online from any NMLS-approved education provider, which are listed in the NMLS course catalog. You must complete 24 hours of NMLS-approved education: 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, 12 hours of electives, and 4 hours of Ohio law.

You can take the required 20 hours of pre-licensing education, including the 3 hours of Pennsylvania law, online from any NMLS-approved provider. The NMLS course catalog lists approved Pennsylvania courses and identifies each course's delivery format, so you can confirm the Pennsylvania content before enrolling.

You can complete the required pre-license education through any NMLS-approved provider listed on the NMLS State Resource Center or course catalog. South Carolina requires 20 hours of approved education, including 3 hours of state-specific law, and the state has two licensing tracks: select the Board of Financial Institutions track if you will work for a licensed lender/servicer, or the Department of Consumer Affairs track if you will work for a mortgage broker.

You can take Tennessee mortgage loan officer courses online through any education provider approved by NMLS. Tennessee requires 20 hours of NMLS-approved pre-licensure education, including 2 hours of Tennessee state-specific law, before you submit the license application. Approved providers offer formats such as self-paced online courses, video courses, and live webinars, and course costs vary by provider.

The 23 required hours of Texas pre-licensing education (the 20-hour national SAFE course plus 3 hours of Texas law) are available online through NMLS-approved education providers, which you can locate in the NMLS education catalog on the Resource Center. Confirm the coursework is completed within the 3 years before your application date, because expired education must be retaken.

Vermont allows prelicensing education to be delivered in the classroom, online, or by any other means NMLS approves, so you can take the courses entirely online. The course and its provider must appear on the NMLS-approved education catalog. The 20 required hours must include 2 hours of Vermont law, which can be satisfied by a Vermont comprehensive course or a state-specific elective.

You can complete Virginia's required 20 hours of pre-licensing education online through any provider whose course is approved through the Nationwide Multistate Licensing System and Registry (NMLS). State law allows approved courses to be delivered online, in a classroom, or by other Registry-approved means. Prices vary by provider.

Washington pre-license courses are available online from any provider on the NMLS Resource Center's approved-education list. The state requires 22 hours of NMLS-approved pre-licensing education, including 4 hours of Washington law, and course cost varies by provider. Compare formats and prices among approved providers before enrolling.

West Virginia permits approved prelicensing education to be delivered online, in a classroom, or by any other means the Nationwide Mortgage Licensing System (NMLS) approves. You must complete 24 hours of approved education, including 4 hours on West Virginia law, which can be satisfied by a comprehensive course or a state-specific elective. Your employer or an affiliated entity may provide the course.

Wisconsin requires the standard 20 hours of NMLS-approved pre-licensing education, with no state-specific hours added: 3 hours of federal law, 3 hours of ethics, 2 hours on nontraditional mortgage products, and the remainder in electives. Many NMLS-approved education providers offer this course online, and pricing varies by provider and package. Applicants can find approved providers on the NMLS approved-education list.

You can complete Wyoming's required 20 hours of pre-licensure education with any Nationwide Multistate Licensing System (NMLS)-approved provider that offers online delivery, and approved providers commonly offer self-paced, video, and webinar formats. Wyoming requires no state-specific coursework beyond the national baseline of 3 hours federal law, 3 hours ethics, 2 hours non-traditional mortgage lending, and 12 hours of electives.