Mortgage Loan Originator / Mississippi
2026 data Mississippi board official source

Mississippi Mortgage Loan Originator License Requirements

Compiled from official source data by PlainCredential

State-board requirements, fees, and renewal cycle drawn from official regulator records.

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Helps borrowers obtain home loans. Requires SAFE MLO Test.

What the Mississippi data shows for Mortgage Loan Originators

Mississippi's path to mortgage loan originator licensure runs through 20 hours of approved instruction and a passing score on SAFE Mortgage Loan Originator Test, plus a criminal history screening before applicants younger than 18 can be licensed. Mississippi folds the credential into its broader occupational licensing statute, which classifies the training track as "NMLS Pre-License Education (20 hours federal requirement)".

Upfront cost is $244, with renewal running $170 on a 1-year cycle. The license also carries an ongoing 8-hour continuing-education requirement per 1-year cycle that adds to the true cost of staying licensed.

For mortgage loan originators, the reciprocity picture is: SAFE Act: federal license recognized across states via NMLS.

Licensing Requirements in Mississippi

Education / Training Hours
NMLS Pre-License Education (20 hours federal requirement)
20 hours
Exam Requirement
SAFE Mortgage Loan Originator Test
Required
Initial License Fee
$244
Renewal Fee
$170
Renewal Cycle
Every 1 year
Continuing Education
8 hrs/cycle
Criminal History Check
Required
Minimum Age
18 years

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Compare all states for Mortgage Loan Originator All Mississippi licenses
Data sources: NCSL Occupational Licensing Database, Institute for Justice, state licensing boards. Verify current requirements with Mississippi licensing authorities before making career decisions.

Frequently Asked Questions

What license do I need for Mortgage Loan Originator in Mississippi? ▼
In Mississippi, the license path calls for 20 education/training hours, a passing score on SAFE Mortgage Loan Originator Test, and a $244 initial fee. A criminal background check is required as well.
How do I get certified as a Mortgage Loan Originator in Mississippi? ▼
To become a licensed mortgage loan originator in Mississippi, you must meet the state's requirements including 20 hours of education. You must also pass the required examination. Contact the Mississippi licensing board to verify current requirements.
Can I transfer my Mortgage Loan Originator license to Mississippi from another state? ▼
Reciprocity for mortgage loan originators nationally works like this: SAFE Act: federal license recognized across states via NMLS. Beyond that baseline, interstate compacts exist for many professions and may smooth a transfer into Mississippi. Verify the specifics with the Mississippi licensing board.
Does Mississippi require a background check for Mortgage Loan Originator licensing? ▼
A criminal background check is mandatory for mortgage loan originator licensing in Mississippi. The state licensing board sets the disqualifying-offense criteria and review process.
What are the continuing education requirements for Mortgage Loan Originator in Mississippi? ▼
To stay licensed as a mortgage loan originator in Mississippi, plan on 8 hours of continuing education per 1-year renewal cycle; renewal itself runs $170.

Related Guides

Source: NCSL Occupational Licensing Database, Institute for Justice License to Work (3rd Ed.), state licensing board websites NCSL Occupational Licensing Database, Institute for Justice License to Work (3rd Ed.), state licensing board websites

Read our methodology - how this data is sourced, computed, and verified.