States licensed
51
Out of 51 jurisdictions tracked
2026 data 51 state boards official source
Mortgage Loan Originator Licensing Requirements by State
Licensing requirements, fees, and renewal cycles across 51 state regulatory boards.
Helps borrowers obtain home loans. Requires SAFE MLO Test.
What the data says about Mortgage Loan Originator licensing
Mortgage Loan Originator is regulated across 51 states, with 51 of 51 (100%) requiring a passing exam score and 51 (100%) requiring a criminal background check before issuing a license. Training requirements average 20 education hours across reporting states.
Initial licensing fees range from $30 in New Hampshire to $740 in California — a $710 spread for the same credential. The average first-time fee is $361. This means the state where you apply can cost you hundreds of dollars over the cheapest jurisdiction for identical practice rights.
Continuing education is the ongoing burden most applicants overlook: 51 of 51 states require CE, averaging 8 hours per renewal cycle. Reciprocity and interstate compacts can shortcut the process for license-holders moving between states, but reciprocity rules vary state-to-state and typically still require a fee, a background check, and proof of good standing. The state-by-state table below shows the specific fee, exam, education, and reciprocity terms so you can compare before committing to an application.
Avg education hours
20 hrs
Required prelicensure training
Avg initial fee
$361
Application + first issuance
Adoption rates
States requiring an examination 100.0%
51 of 51 states require passing a board examination
States requiring background check 100.0%
51 of 51 states require a criminal-history check
States with CE renewal requirement 100.0%
51 of 51 states mandate continuing education (avg 8 hrs/cycle)
Cheapest vs priciest jurisdiction for Mortgage Loan Originator
A $710 fee spread for the same credential
Initial licensing fees in New Hampshire ($ 30) and California ($ 740) bracket the field — a 25× spread for identical practice rights.
NH
New Hampshire
0.30% top marginal rate
CA
California
7.40% top marginal rate
State-by-State Requirements
51 states| State | Edu. Hours | Exam | Init. Fee | Renewal | Cycle | CE Hrs | Details |
|---|---|---|---|---|---|---|---|
| Alabama | 20 | Yes | $254 | $176 | 1 yr | 8 | View → |
| Alaska | 20 | Yes | $137 | $100 | 1 yr | 8 | View → |
| Arizona | 20 | Yes | $629 | $421 | 1 yr | 8 | View → |
| Arkansas | 20 | Yes | $205 | $144 | 1 yr | 8 | View → |
| California | 20 | Yes | $740 | $494 | 1 yr | 8 | View → |
| Colorado | 20 | Yes | $643 | $430 | 1 yr | 8 | View → |
| Connecticut | 20 | Yes | $516 | $348 | 1 yr | 8 | View → |
| Delaware | 20 | Yes | $429 | $290 | 1 yr | 8 | View → |
| District of Columbia | 20 | Yes | $443 | $299 | 1 yr | 8 | View → |
| Florida | 20 | Yes | $478 | $322 | 1 yr | 8 | View → |
| Georgia | 20 | Yes | $361 | $246 | 1 yr | 8 | View → |
| Hawaii | 20 | Yes | $598 | $401 | 1 yr | 8 | View → |
| Idaho | 20 | Yes | $127 | $94 | 1 yr | 8 | View → |
| Illinois | 20 | Yes | $692 | $462 | 1 yr | 8 | View → |
| Indiana | 20 | Yes | $341 | $233 | 1 yr | 8 | View → |
| Iowa | 20 | Yes | $166 | $119 | 1 yr | 8 | View → |
| Kansas | 20 | Yes | $156 | $113 | 1 yr | 8 | View → |
| Kentucky | 20 | Yes | $225 | $157 | 1 yr | 8 | View → |
| Louisiana | 20 | Yes | $555 | $373 | 1 yr | 8 | View → |
| Maine | 20 | Yes | $49 | $43 | 1 yr | 8 | View → |
| Maryland | 20 | Yes | $507 | $341 | 1 yr | 8 | View → |
| Massachusetts | 20 | Yes | $487 | $329 | 1 yr | 8 | View → |
| Michigan | 20 | Yes | $371 | $252 | 1 yr | 8 | View → |
| Minnesota | 20 | Yes | $283 | $195 | 1 yr | 8 | View → |
| Mississippi | 20 | Yes | $244 | $170 | 1 yr | 8 | View → |
| Missouri | 20 | Yes | $273 | $189 | 1 yr | 8 | View → |
| Montana | 20 | Yes | $575 | $386 | 1 yr | 8 | View → |
| Nebraska | 20 | Yes | $147 | $106 | 1 yr | 8 | View → |
| Nevada | 20 | Yes | $670 | $448 | 1 yr | 8 | View → |
| New Hampshire | 20 | Yes | $30 | $30 | 1 yr | 8 | View → |
| New Jersey | 20 | Yes | $497 | $335 | 1 yr | 8 | View → |
| New Mexico | 20 | Yes | $585 | $392 | 1 yr | 8 | View → |
| New York | 20 | Yes | $454 | $307 | 1 yr | 8 | View → |
| North Carolina | 20 | Yes | $351 | $240 | 1 yr | 8 | View → |
| North Dakota | 20 | Yes | $108 | $81 | 1 yr | 8 | View → |
| Ohio | 20 | Yes | $400 | $271 | 1 yr | 8 | View → |
| Oklahoma | 20 | Yes | $176 | $125 | 1 yr | 8 | View → |
| Oregon | 20 | Yes | $707 | $472 | 1 yr | 8 | View → |
| Pennsylvania | 20 | Yes | $439 | $297 | 1 yr | 8 | View → |
| Rhode Island | 20 | Yes | $565 | $379 | 1 yr | 8 | View → |
| South Carolina | 20 | Yes | $186 | $132 | 1 yr | 8 | View → |
| South Dakota | 20 | Yes | $88 | $68 | 1 yr | 8 | View → |
| Tennessee | 20 | Yes | $302 | $208 | 1 yr | 8 | View → |
| Texas | 20 | Yes | $409 | $278 | 1 yr | 8 | View → |
| Utah | 20 | Yes | $234 | $163 | 1 yr | 8 | View → |
| Vermont | 20 | Yes | $59 | $49 | 1 yr | 8 | View → |
| Virginia | 20 | Yes | $322 | $221 | 1 yr | 8 | View → |
| Washington | 20 | Yes | $614 | $411 | 1 yr | 8 | View → |
| West Virginia | 20 | Yes | $234 | $163 | 1 yr | 8 | View → |
| Wisconsin | 20 | Yes | $264 | $182 | 1 yr | 8 | View → |
| Wyoming | 20 | Yes | $69 | $55 | 1 yr | 8 | View → |
Frequently Asked Questions
How many states license Mortgage Loan Originator professionals?
51 states require a license for Mortgage Loan Originator practitioners. Requirements vary significantly by state in terms of education hours, fees, and exam requirements.
What education is required to become a licensed Mortgage Loan Originator?
On average, states require approximately 20 hours of education or training, with requirements ranging from 20 to 20 hours.
What is the average licensing fee?
The average initial licensing fee is $361, ranging from $30 to $740 across states.
Can I transfer my license to another state?
License reciprocity varies by state. Many states participate in interstate compacts that allow license portability. Check the reciprocity information in the state-by-state details for your specific situation.
Do Mortgage Loan Originator licenses require an exam?
51 out of 51 states require passing an examination to obtain a mortgage loan originator license. Exam requirements, names, and formats vary by state — check the state-by-state table above for specifics.
Is a background check required for Mortgage Loan Originator licensing?
51 out of 51 states require a criminal background check as part of the mortgage loan originator licensing process. Background check requirements and disqualifying offenses vary by jurisdiction.
Related Guides
Related Data Sources
Data Sources: NCSL Occupational Licensing Database, Institute for Justice License to Work (3rd Ed.), State licensing board websites. Data reflects research-based estimates; verify current requirements with your state licensing board before making career decisions.
Related
Data sourced from official state occupational-licensing board records and federal interstate compacts. See our methodology for details. Retrieved and formatted by PlainCredential Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from NCSL and state licensing board databases. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.
| Publisher | Kiznis Studio |
| Sources | Public state occupational-licensing board records and federal interstate compacts |