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MTG Education
Get Your Mortgage License in Your State
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Get Your Mortgage License in your state
In order to become a licensed Mortgage Loan Originator in your state you’ll need to complete the following steps:
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Step 1
Request your personal NMLS account
The NMLS system is used to process MLO licensing requests for all 50 states, including your specific state. Creating an account is a simple process that only takes a few minutes to complete.
- Visit the NMLS online registration portal to request an NMLS account.
- Select the Individual option
- If prompted, complete the security captcha and click next
- Provide the required information and submit your application
Step 2
Complete Your State NMLS Pre-License Education
To become a State-licensed MLO you’ll need to complete the required 20-hour NMLS S.A.F.E pre-licensing course, which must include 2 hours of State content, along with any additional coursework required by the state licensing agency: The Office of Financial Regulation (OFR).
Learn more about your OFR.
NMLS SAFE Mortgage License Training – Required
All states require 20 hours of mortgage education from an NMLS approved mortgage school. If you are seeking a new mortgage license, be sure to enroll in the 20 hours SAFE course in addition to your state-specific education requirements.
Step 3
Pass the NMLS Mortgage licensing exam
Once you’ve completed your pre-license education, you’ll need to schedule an appointment to take the National Test Component with Uniform State Content through your NMLS account.
SAFE MLO National Test Component
The SAFE MLO exam covers federal mortgage related laws, ethics, Mortgage loan originator activities, and general mortgage knowledge. Effective 4/5/21, test details are as follows:
- 120 questions (115 scored)
- 190 minutes
- Cost $110
Uniform State Content (UST)
The UST portion of the exam covers:
- Regulatory authority, responsibilities and limitations
- Definitions and documents
- License law and regulation
- Compliance
Florida Office of Financial Regulation
Specific states requires at least 20 hours of pre-license education and meet one of the following three conditions:
- Passing results on both the National and Specific State components of the SAFE Test, or
- Passing results on both the National and Stand-alone UST components of the SAFE Test, or
- Passing results on the National Test Component with Uniform State Content
Step 4
Apply for your NMLS license
Once you completed the required pre-licensing courses and achieved passing scores on the National and any applicable state required tests, you will be able to apply for your mortgage loan originator license on the NMLS website.
To apply for your State MLO license:
- Login in to your NMLS account.
- Select the filing tab on the top of the screen.
- Select Individual if your applying as an individual.
- Click Request New/Update.
- If you’re directly responsible for the paying the filing fees, click continue.
- If you’re already employed with a mortgage company, your employer may handle this step for you. These fees are not refundable. Check with your employer before you proceed.
- Click Add to apply for your state license.
- Select the appropriate State License and click Next.
- Select the State Mortgage Loan Originator License and click Next.
- Verify that the information is correct and click Next.
- Read the final page carefully before proceeding. If the information is correct click Finish.
You’re now ready to finalize your application.
Step 5
Pass the NMLS Mortgage licensing exam
The SAFE act established licensing and registration standards for all Mortgage Loan Originators. In order to receive your State MLO certification, you’ll need to provide the following information and pay the associated fees:
| Request | Fee | Required |
|---|---|---|
| NMLS Processing | $30 | YES |
| FBI CBC | $36.25 | YES |
| State CBC | $24 | YES |
| Credit Report | $15 | YES |
| State Application | $195 | YES |
Fingerprints
Create a Fieldprint account and register for an appointment.
Criminal Background Check
Initiate a criminal background check through your NMLS account.
Credit Report
Authorize a credit report via your NMLS account.
Step 6
Get Hired
In order to complete this final step in becoming a fully licensed state MLO your NMLS ID will need to be sponsored by a state licensed employer. This sponsorship tells the governing agencies that your employer will be supervising your individual license. You can submit your sponsorship through your NMLS ID. Once your employer sponsorship is associated with your NMLS ID, you’ll be ready to do business as an MLO in the specific state.
A licensed loan originator who acts solely as a loan processor and contracts with more than one mortgage broker or mortgage lender, or either simultaneously must file with the Office of Financial Regulation a Declaration of Intent to Engage Solely in Loan Processing, Form OFR-494-13. A person who seeks to act solely as a loan processor shall: (a) Be licensed as a loan originator under Chapter 494, F.S., and must at all times thereafter remain licensed; and (b) Submit a completed Form OFR-494-13 (Declaration of Intent to Engage Solely in Loan Processing) to the Office of Financial Regulation at the address below. A person who currently has on file with the Office of Financial Regulation a Declaration of Intent to Engage Solely in Loan Processing may withdraw the declaration by filing Form OFR494-13 (Declaration of Intent to Engage Solely in Loan Processing) with the Office of Financial Regulation indicating on the form the person’s intent to withdraw the declaration.
About Us.
Online Courses
All of our courses are available online 24/7, which means our award-winning education is always within reach.
National and State-Approved Curriculum
Our industry-leading courses combine the classroom environment and online learning with national and state-by-state regulatory requirements.
Career Resources
Our Agent Essentials and Mortgage Essentials content hubs are full of free resources to help you take your career to the next level.
Your success is our #1 priority
OnCourse Learning empowers aspiring mortgage loan originators and seasoned mortgage loan officers to take their learning experience to the next level. Get and maintain your NMLS license with:
- NMLS-approved mortgage pre-licensing, continuing education and late CE courses
- Exam prep tools to help you pass your NMLS license exam
- Over 50 years of mortgage education experience
- We’ve helped over 300,000 mortgage brokers begin and advance their careers.
What They Say
“I love it. Its easy to use and understand and I love the reminders.”
Jonah Schwarz
“Got me through the last minute continue education for my license.”
Erin Lawrence
“It was a Breeze and I would use this course again for next year.”