Mortgage Loan Originator / Tennessee
2026 data Tennessee board official source

Tennessee Mortgage Loan Originator License Requirements

Compiled from official public sources by the publisher.

Official regulator records behind the requirements, fees, and renewal cycle for this license.

PlainCredential home → About this data

Helps borrowers obtain home loans. Requires SAFE MLO Test.

What the Tennessee data shows for Mortgage Loan Originators

Tennessee 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 Tennessee's licensing regime, which classifies the training track as "NMLS Pre-License Education (20 hours federal requirement)".

Budget $302 to get started, plus $208 at each renewal on a 1-year cycle. Maintaining the license requires 8 hours of continuing education per 1-year cycle, an ongoing cost applicants often underestimate when budgeting the career.

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

Licensing Ease Score

C-
Licensing Ease Score
50/100
Mortgage Loan Originator · Tennessee

A higher score means this specific license is LESS burdensome to obtain and maintain here than the national requirement corpus, based on education hours, fees, continuing education, and experience requirements, not an overall judgment of the profession or the state.

Education & Training B
20 hours
Documented education/training hours required
Initial Fee F
$302
One-time application/license fee
Renewal Burden F
$208/yr
$208 every 1 year
Continuing Education C+
8.0 hrs/yr
8 hours every 1 year
Experience Required A+
None required
Supervised work experience required before licensure

Licensing Requirements in Tennessee

Education / Training Hours
NMLS Pre-License Education (20 hours federal requirement)
20 hours
Exam Requirement
SAFE Mortgage Loan Originator Test
Required
Initial License Fee
$302
Renewal Fee
$208
Renewal Cycle
Every 1 year
Continuing Education
8 hrs/cycle
Criminal History Check
Required
Minimum Age
18 years

Compare & Explore

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

Frequently Asked Questions

What license do I need for Mortgage Loan Originator in Tennessee? ▼
In Tennessee, the license path calls for 20 education/training hours, a passing score on SAFE Mortgage Loan Originator Test, and a $302 initial fee. A criminal background check is required as well.
How do I get certified as a Mortgage Loan Originator in Tennessee? ▼
To become a licensed mortgage loan originator in Tennessee, you must meet the state's requirements including 20 hours of education. You must also pass the required examination. Contact the Tennessee licensing board to verify current requirements.
Can I transfer my Mortgage Loan Originator license to Tennessee 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 Tennessee. Verify the specifics with the Tennessee licensing board.
Does Tennessee require a background check for Mortgage Loan Originator licensing? ▼
Background screening is part of the mortgage loan originator licensing process in Tennessee. The state licensing board determines which offenses disqualify an applicant and how appeals are handled.
What are the continuing education requirements for Mortgage Loan Originator in Tennessee? ▼
Licensed mortgage loan originators in Tennessee must complete 8 hours of continuing education every 1 year. The renewal fee is $208.

Related Guides

What to do with this mortgage loan originator license

Mortgage Loan Originator in Tennessee, with a documented reciprocity path, is one requirement row in a mortgage loan originator-wide, 50-state comparison.

  • See how Tennessee's mortgage loan originator requirements compare to every other state before relocating. Mortgage Loan Originator in every state
  • Confirm whether your out-of-state mortgage loan originator license transfers under an interstate compact before starting a new application. Reciprocity guide
  • See how Tennessee's overall licensing burden compares to other states, not just this one profession. Tennessee overview

Requirements shown are compiled from NCSL and Institute for Justice research; verify current rules with the Tennessee licensing board before making career decisions.

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

According to the National Conference of State Legislatures and the Institute for Justice, the PlainCredential comparison corpus (current as of May 15, 2026) maps 4,947 state licensing requirement records; see the methodology.

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