How Long Does It Take to Become a Mortgage Loan Originator?

Smart move. This career blends financial savvy with the satisfaction of helping people achieve homeownership. And the best part? The path is clear and totally doable.

This guide breaks down the process into four steps so you know exactly what to expect.

Step 1: Confirm Your Eligibility and Register with NMLS

To begin, you must:

• Be at least 18 years old

• Be a legal U.S. resident eligible to work

• Register with the Nationwide Multistate Licensing System & Registry (NMLS)

Once registered, you’ll receive a unique NMLS ID that tracks your progress throughout your licensing journey.

Step 2: Complete Pre-Licensing Education

All aspiring MLOs must complete 20 hours of NMLS-approved coursework.

What you’ll learn includes:

• Important rules and guidelines every loan officer should know

• Key responsibilities when working with clients and applications

• Foundational knowledge about different types of mortgage loans

• Additional content to help reinforce what you’ve learned

Some states also require additional state-specific training. Be sure to check your local requirements.

Step 3: Pass the SAFE MLO Test

After completing your education, you’ll take the national SAFE MLO exam, which includes:

• 120 questions (115 scored)

• 190 minutes to complete

• 75% required to pass

Prepare thoroughly, while the exam is manageable, most candidates spend 2–4 weeks studying.

Step 4: Finalize Licensing Requirements

To receive your license, you must:

• Submit fingerprints for a criminal background check

• Authorize a credit report review

• Complete your state's application process

• Fulfill any additional state-specific testing or fees

• Obtain sponsorship from a licensed mortgage lender or broker

So, How Long Does It Take to Become an MLO?

Most people complete the full licensing process in 4 to 8 weeks. Here's a quick breakdown:

• Register with NMLS: Same day

• Pre-licensing education: 1 to 3 weeks

• Study and pass the SAFE exam: 2 to 4 weeks

• Background check, state application, and sponsorship: 1 to 2 weeks

Your timeline may vary depending on your schedule, your state’s requirements, and the pace at which you complete each step.

Want to start strong? Explore our MLO course options with clear schedules, instructor support, and a streamlined onboarding process.