🏦 Mortgage Loan Originator License Requirements by State

Compare mortgage loan originator license requirements across all 50 states and DC — experience, exams, fees, and salary data.

Last updated 2026-05-08

By the numbers: 51 of 51 jurisdictions require a state-level mortgage loan originator license. Apprenticeship and Experience requirements range varies hours. Exam Application Fees range $110–$110. Most state Boards require Continuing Education at every Renewal cycle.

State	License Required	Experience	Exam Fee	Median Salary
ALAlabama	Required	—	$110	$59,560
AKAlaska	Required	—	$110	$84,890
AZArizona	Required	—	$110	$66,406
ARArkansas	Required	—	$110	$57,506
CACalifornia	Required	—	$110	$94,474
COColorado	Required	—	$110	$73,936
CTConnecticut	Required	—	$110	$78,729
DEDelaware	Required	—	$110	$68,460
DCDistrict of Columbia	Required	—	$110	$87,628
FLFlorida	Required	—	$110	$65,721
GAGeorgia	Required	—	$110	$63,667
HIHawaii	Required	—	$110	$92,421
IDIdaho	Required	—	$110	$64,352
ILIllinois	Required	—	$110	$71,883
INIndiana	Required	—	$110	$62,298
IAIowa	Required	—	$110	$60,929
KSKansas	Required	—	$110	$60,929
KYKentucky	Required	—	$110	$60,929
LALouisiana	Required	—	$110	$61,614
MEMaine	Required	—	$110	$66,406
MDMaryland	Required	—	$110	$74,621
MAMassachusetts	Required	—	$110	$83,521
MIMichigan	Required	—	$110	$64,352
MNMinnesota	Required	—	$110	$71,198
MSMississippi	Required	—	$110	$56,821
MOMissouri	Required	—	$110	$61,614
MTMontana	Required	—	$110	$65,721
NENebraska	Required	—	$110	$61,614
NVNevada	Required	—	$110	$69,829
NHNew Hampshire	Required	—	$110	$71,198
NJNew Jersey	Required	—	$110	$80,782
NMNew Mexico	Required	—	$110	$62,298
NYNew York	Required	—	$110	$88,998
NCNorth Carolina	Required	—	$110	$62,983
NDNorth Dakota	Required	—	$110	$65,037
OHOhio	Required	—	$110	$62,983
OKOklahoma	Required	—	$110	$59,560
OROregon	Required	—	$110	$75,306
PAPennsylvania	Required	—	$110	$67,090
RIRhode Island	Required	—	$110	$70,513
SCSouth Carolina	Required	—	$110	$62,298
SDSouth Dakota	Required	—	$110	$60,244
TNTennessee	Required	—	$110	$61,614
TXTexas	Required	—	$110	$64,352
UTUtah	Required	—	$110	$66,406
VTVermont	Required	—	$110	$69,144
VAVirginia	Required	—	$110	$69,829
WAWashington	Required	—	$110	$80,782
WVWest Virginia	Required	—	$110	$58,875
WIWisconsin	Required	—	$110	$64,352
WYWyoming	Required	—	$110	$65,037

Common questions about mortgage loan originator licensing

Do all states require a mortgage loan originator license?

No — 51 of 51 jurisdictions require a state-level mortgage loan originator license. The remainder license at the local or county level, or not at all. See the table above for the per-state breakdown.

How much does it cost to get a mortgage loan originator license?

Application fees across the states range $110–$110. Renewal fees and continuing education hours vary by jurisdiction — check the state-specific page for the exact numbers.

How many apprenticeship hours does a mortgage loan originator license typically require?

Required apprenticeship/work experience hours range varies across states, with most states requiring 2–4 years of supervised on-the-job training plus passing a board-administered exam.

Data last verified 2026. Salary data from BLS OEWS. Always verify with your state licensing board.