License Playbook

Mortgage loan officer (MLO) license requirements by state

NMLS pre-licensing hours, state license fees and total cost for an individual MLO license in every state. Click a state for the full steps.

20 h (SAFE core only)21–23 h24–27 h28 h +
StatePre-licensingOn state lawState feeFees totalAnnual CE
Alabama20 hours—$75$2718 h
Alaska20 hours—$600$7968 h
Arizona20 hours4 hours$500$6968 h
Arkansas20 hours—$50$2468 h
California20 hours2 hours$300$4968 h
Colorado20 hours2 hours$48$2448 h
Connecticut21 hours1 hour$300$4968 h
Delaware20 hours—$500$6968 h
District of Columbia20 hours3 hours$300$4968 h
Florida20 hours2 hours$195$3918 h
Georgia20 hours—$200$3968 h
Hawaii20 hours3 hours$635$8318 h
Idaho20 hours2 hours$300$4968 h
Illinois20 hours—$200$3968 h
Indiana20 hours—$100$2968 h
Iowa20 hours—$50$2468 h
Kansas20 hours—$100$2968 h
Kentucky20 hours—$50$2468 h
Louisiana20 hours—$200$3968 h
Maine20 hours—$80$2768 h
Maryland20 hours5 hours$226$4228 h
Massachusetts20 hours3 hours$615$8118 h
Michigan20 hours2 hours$225$4218 h
Minnesota20 hours—$90$2868 h
Mississippi20 hours4 hours$301$4978 h
Missouri20 hours—$50$2468 h
Montana20 hours2 hours$400$5968 h
Nebraska22 hours2 hours$150$3468 h
Nevada30 hours4 hours$75$2718 h
New Hampshire20 hours2 hours$100$2968 h
New Jersey20 hours4 hours$150$34612 h
New Mexico20 hours3 hours$400$5968 h
New York20 hours3 hours$425$62111 h
North Carolina24 hours4 hours$125$3218 h
North Dakota20 hours—$75$2718 h
Ohio24 hours4 hours$200$3968 h
Oklahoma20 hours1 hour$460$6568 h
Oregon20 hours4 hours$80$27610 h
Pennsylvania20 hours3 hours$200$3968 h
Rhode Island20 hours3 hours$600$7968 h
South Carolina20 hours3 hours$50$2468 h
South Dakota20 hours—$150$3468 h
Tennessee20 hours2 hours$200$3968 h
Texas23 hours3 hours$145$3418 h
Utah25 hours5 hours$100$2969 h
Vermont20 hours2 hours$100$2968 h
Virginia20 hours—$150$3468 h
Washington22 hours4 hours$125$3219 h
West Virginia24 hours4 hours$200$3969 h
Wisconsin20 hours—$250$4468 h
Wyoming20 hours—$120$3168 h

Fees total = state license fee + SAFE test $110 + NMLS $35 + credit report $15 + FBI check ~$36.25; course not included.

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How to become a mortgage loan officer — the full process →