Your license starts with a plan
MLO education
requirements by state.
Explore mortgage education requirements for all 50 states and Washington, D.C.
A little clarity goes a long way
Every state has
its own path.
Choose where you want to get licensed. We’ll show the education minimum, state-law hours, and how your course plan comes together.
Start with a state
Education and the examination
A course prepares you.
The test is a separate step.
The SAFE MLO test is registered and paid for separately through NMLS. State-specific education is coursework, not an additional state SAFE exam.
Read the NMLS testing guideAlready completed education? Review your NMLS education record before buying more hours. Licensing applications and other agency conditions are separate from this education guide.