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Becoming a Mortgage Loan Originator (MLO) involves several key steps. While specifics vary by state, here’s a general 6-step roadmap:
Create an account on the Nationwide Multistate Licensing System (NMLS) to track your licensing status and education history.
Most states require 20 hours of NMLS-approved education (16 hours plus 4 hours elective), including federal law, ethics, and non-traditional lending content.
20-Hour National Pre-Recorded New Mortgage License Course #2161
Includes Ultimate National Test Prep, which consists of:
After completing your pre-license training, you need to schedule an appointment for the national test. The SAFE Mortgage Loan Originator Test includes a national component (some states also have a state-specific portion).
Fingerprinting and criminal background checks are required. Some states also require a credit check. Find out more about how to complete your background check here.
After receiving a passing score on your NMLS mortgage exam, you need to apply for your state loan originator license. Find your NMLS state-specific requirements and deadlines.
You’ll need a licensed mortgage company to sponsor your license before it becomes active. This is called Employer Sponsorship. It informs the government that an employer is overseeing your licensure. Learn how to associate your NMLS account with your employer here.
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Passing the SAFE MLO Test on the first try saves time, money, and stress.
Fingerprinting and criminal background checks are required. Some states also require a credit check. Find out more about how to complete your background check here.
NMLS Approved Provider #1400080
