Mortgage Loan Originator / Pennsylvania
2026 data Pennsylvania board official source

Pennsylvania 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 Pennsylvania data shows for Mortgage Loan Originators

Pennsylvania sets the entry bar for mortgage loan originators at 20 training hours and a passing score on SAFE Mortgage Loan Originator Test. A background check is a standard part of the process, and applicants must be 18 or older. The credential is administered under Pennsylvania's licensing regime, which classifies the training track as "NMLS Pre-License Education (20 hours federal requirement)".

The initial price tag is $439, and renewal costs $297 every 1 years. 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 Pennsylvania

Education / Training Hours
NMLS Pre-License Education (20 hours federal requirement)
20 hours
Exam Requirement
SAFE Mortgage Loan Originator Test
Required
Initial License Fee
$439
Renewal Fee
$297
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 Pennsylvania licenses
Data sources: NCSL Occupational Licensing Database, Institute for Justice, state licensing boards. Verify current requirements with Pennsylvania licensing authorities before making career decisions.

Frequently Asked Questions

What license do I need for Mortgage Loan Originator in Pennsylvania? ▼
In Pennsylvania, the license path calls for 20 education/training hours, a passing score on SAFE Mortgage Loan Originator Test, and a $439 initial fee. A criminal background check is required as well.
How do I get certified as a Mortgage Loan Originator in Pennsylvania? ▼
Pennsylvania licenses mortgage loan originators who complete its requirements (20 education hours) and a passing exam. Verify the latest details with the Pennsylvania licensing board.
Can I transfer my Mortgage Loan Originator license to Pennsylvania 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 Pennsylvania. Verify the specifics with the Pennsylvania licensing board.
Does Pennsylvania require a background check for Mortgage Loan Originator licensing? ▼
A criminal background check is mandatory for mortgage loan originator licensing in Pennsylvania. The state licensing board sets the disqualifying-offense criteria and review process.
What are the continuing education requirements for Mortgage Loan Originator in Pennsylvania? ▼
Pennsylvania ties continued mortgage loan originator licensure to 8 continuing-education hours, due every 1 year, alongside a $297 renewal fee.

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.