Get Your Colorado Mortgage Loan Originator License in 2021!
Colorado Pre-Licensing Bundle
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How to Get Your (MLO) Mortgage License in Colorado
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Step 1 |
Step 2 |
Step 3 |
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Apply For Your NMLS Account and ID Number |
Complete Your NMLS Pre-License Education |
Need to Pass the NMLS Mortgage Licensing Exam |
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The first step in obtaining your Texas mortgage license is applying for an NMLS account and ID number. To do so, go to the NMLS website. |
Once you’ve created your NMLS account, it’s time to complete your pre-license education. Texas requires 23 hours (20 hours & 3 hours elective) SAFE pre licensure education. |
With your education complete, you need to schedule an appointment for the National Test Component exam. Find out more on how to take your NMLS test here. Also check out the NMLS MLO testing handbook. |
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Step 4 |
Step 5 |
Step 6 |
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Complete Background Checks and Pay All Fees |
Apply for Your Texas Mortgage License |
Associate Your NMLS Account with Your Employer |
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To finalize your application and receive your license, you will need to pay several non-refundable fees and get a background check. Find out more about how to complete your background check here. |
After receiving a passing score on your NMLS mortgage exam, you need to apply for your Texas SML mortgage loan originator license. You can find more information on this step here. |
Your license will still be pending in Texas until you have an employer sponsorship, which lets the government know that an employer is supervising your individual license. Learn how to associate your NMLS account with your employer here. |
Colorado Mortgage License Education
Our goal is to make your mortgage loan originator education as convenient as possible, though we know it’s not for everyone. Being a loan officer takes a willingness to learn every aspect of the mortgage industry. However, once you are established, a career as a mortgage loan originator can be very fulfilling, flexible, and refreshing. If you don’t mind putting in hard work, like to connect with everyone in your workspace and have a desire to learn, then obtaining your Colorado mortgage loan originator license may be the perfect move for you!
Colorado Loan Officer Licensing Requirements
Are you seeking Colorado mortgage license renewal? Or, maybe you’re already a mortgage loan originator moving from another state? If so, the state of Colorado requires you to complete 20 hours of NMLS-certified mortgage education, which includes a 2-hour state law and rules course. We have bundled all of these required hours, along with a national test prep course, into one conveniently managed licensing course bundle.
New mortgage licensing, or “pre-licensing,” education requirements can be satisfied via three different mediums. Mortgage education can take place in Online Instructor-Led (OIL) courses (like those shown above), in live classroom settings, or by way of a live webinar. Most new loan originators complete the Colorado loan officer licensing requirements with our online course bundles. For more detailed education requirements in Colorado, click the link shown below.
Colorado Mortgage License Education Requirements
New Colorado state-licensed Mortgage Loan Originators are required to complete a 20-hour pre-licensure education course as dictated by the SAFE Act of 2008. This course includes:
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3 hours of Federal law and regulations
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3 hours of ethics, fraud, consumer protection, and fair lending issues
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2 hours of non-traditional lending
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10 hours of undefined instruction (electives)
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2 hours of Texas state law education
New Mortgage License Education does not count towards annual CE credits. MLO’s are also advised to not retake any 20-hour new license education course unless otherwise directed by a state regulator.
Colorado Mortgage Broker License VS. Colorado Loan Officer License
Mortgage broker licenses are commonly confused with the more common loan officer license. While the terms mortgage broker, loan officer, and mortgage loan originator are similar, they aren’t synonymous. So what’s the difference?
Generally speaking, a mortgage broker is a company that employs mortgage loan officers. The loan officers are employed by the broker to originate loans for home-buyers when they are looking for a loan for their mortgage.
Cost of Getting Your MLO License in Colorado
Before you get your Colorado mortgage license, it’s important to know the costs involved. Here are all of the fees you’ll need to pay to become licensed:
NMLS Initial Processing Fee: $30.00
Credit Report: $15.00
Background Check: $36.25
Licensing/Registration Fee: $190.00
National Exam: $110.00
Total: $381.25
Colorado Mortgage Continuing Education Requirements
You will be required to complete eight hours of continuing education before getting your NMLS license in Colorado. These hours include:
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3 hours on relevant federal regulations and law
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2 hours of ethics, including consumer protection, fair lending, and fraud
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2 hours of non-traditional mortgage lending
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1 hour elective on mortgage origination
Remember to take into account the “successive years” rule, which prohibits loan officers from taking the same CE course two years in a row. Mortgage Educators changes its continuing education course annually to ensure there are no issues with the successive years rule.
**The deadline to complete CE in Colorado is December 31. MLO’s in Colorado are actually prevented from applying for license renewal until they have completed their CE.
Order Your Colorado Mortgage License Course Today
If you’re ready to become a Colorado mortgage loan originator, order your Mortgage Educators Course today. We’ll help you every step of the way so you can achieve your goal of being a licensed loan officer in Colorado.
Additional Questions?
Mortgage Educators and Compliance is here to answer any additional questions that you may have in regards to your Colorado mortgage license. For additional questions, feel free to call us at (801) 676-2520 or email us at [email protected].
 |
DAVID LUNA
David Luna has more than 35 years of experience in the mortgage lending industry. He presently serves on national boards and holds several national and state certifications. He has been a consultant for Fannie Mae, Freddie Mac, as well as other large national banks. He has been featured in Mortgage Technology Magazine, National Mortgage Press, newspapers, NBC, CBS and ABC.
David is President of Mortgage Educators and Compliance, an NMLS approved education provider. He has served as Commissioner (a Governor appointed mortgage regulator) and in several executive positions for banks, credit unions, mortgage bankers and brokerages throughout his career. Including Mellon Bank of New York, Great Western Bank of California, several Federal Credit Unions as well as Vice President of large publicly traded Mortgage Companies. This year he was asked to present to the Federal Home Loan Bank to over 700 banks and credit unions. He has received numerous awards such as the NAMB's Affiliate of the Year, NAMB President's Award and National Mortgage Professional Magazine's 50 Most Connected Mortgage Professionals for 2016. |
NMLS License Florida: Get Your Florida Mortgage Loan Originator License in 2025!
Florida Pre-Licensing Bundle
Starting at: $399 Now Only $239!
Use Promo Code: FLPEDEAL
Do you have your mortgage license in another state and want to add Florida?
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How to Get an NMLS Mortgage License in Florida
Are you interested in starting a new career? Learn how to become a loan officer in Florida and get your license from the nationwide mortgage licensing system through this NMLS Florida guide. There are six main steps you need to follow as well as information regarding costs, education, and other requirements to become a licensed mortgage loan originator.
Apply For Your NMLS Account and ID Number
The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (or the SAFE Act) changed the way mortgage loans are processed, including the requirement to register both federally and at the state level through the same registration system, NMLS (or Nationwide Multistate Licensing System), which is fully online.
Therefore, the first step to getting your mortgage loan originator title in Florida is to register with the NMLS by applying online for an account and NMLA ID number. To do so, go to the NMLS website.
Complete Your NMLS Pre-License Education
With access to the NMLS website, you can obtain and complete your pre-license education. The Florida State Licensing Agency requires 20-hours (18 hours & 2 hours elective) of SAFE pre- licensure education course.
Need to Pass the NMLS Mortgage Licensing Test
With your pre-license education education complete, you need to schedule an appointment for the National Test Component exam. Find out more on how to take your NMLS licensing test here. Also take a look at the NMLS MLO testing handbook.
Note that you must pass with at least a 75% or greater or you will have to take the exam again. The first time pass rate is above 50% at 58% (according to a statement made by the NMLS). However, although passing is not an easy task, we will help you prepare so you feel confident enough to pass.
Complete Background Checks and Pay All Fees
To finalize your application, you will need to pay several non-refundable fees, including an application fee, filing fees and a criminal background check (this will also include review of your credit report).
Find out more about how criminal background checks work here.
Apply for your Florida Mortgage License
Once you have passed your NMLS mortgage licensing exam, you need to apply for your Florida MLO license. You can find more information on how to apply here
Associate Your NMLS Account With Your Employer
Your mortgage license will be pending with the state of Florida until you have employer sponsorship through the bank, credit union, or other company of your choice. This lets the government know that an employer is supervising your individual license. Learn how to associate your NMLS account with your employer here.
Florida Frequently Asked Questions
If you’re looking for a flexible, lively, and engaging career, there aren’t many choices better than becoming a mortgage lender. However, getting licensed is hard work, and requires dedication and a willingness to learn. You must focus during instruction, study hard and prepare thoroughly for the licensing exam, and then keep up with your continuing education (CE) because regulations in lending can change dramatically. There will be times when business is booming and other times when business is slow, so you'll have to learn how to create and stick to a schedule.
Once you’ve become a loan originator and are employed by a mortgage broker or other financial institution, your work as a loan processor will begin. You’ll be able to help each borrower with activities such as first home purchases, home equity lines of credit, refinancing an existing mortgage loan, and more.
However, getting licensed is hard work, and requires dedication and a willingness to learn.
The goal we have is to make obtaining your Florida mortgage license as convenient, and simple as possible.
Our mortgage pre-license course bundles satisfy all of Florida’s required education credits and include a test prep course to help you pass the national
NMLS license exam.
So, if you are social, diligent, and dedicated to learning, obtaining your mortgage license in Florida may be a perfect choice.
Mortgage loan originators and mortgage brokers are commonly confused terms.
As such, many people who are searching for a Florida broker license are actually looking for a loan originator or loan officer license.
So what’s the difference? Generally speaking, a mortgage broker is a company that employs a team of loan officers.
Loan officers originate mortgage loans for new home buyers. Therefore, the correct license for a loan officer in Florida would be one of the options listed above,
depending on which division your employer works under.
Under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008, all new loan
originators in Florida must complete 20 hours of mortgage education. This is comprised of an 18 hour online instructor-led course, and a 2-hour Florida-specific course on state laws and financial regulation.
New state-licensed Mortgage Loan Originators are required to complete a 20 hour SAFE pre-license course that includes:
Florida Education Requirements
Required Hours
Fair Lending, Ethics, Fraud, and Consumer Protection
3 Hours
Federal Laws and Regulations
3 Hours
Non-traditional Lending
2 Hours
Electives
10 Hours
Florida State Law Education
2 Hours
Total
20 Hours
The NMLS will charge these fees. Note that there are no refunds.
NMLS Fees
Amount
NMLS Processing Charge
$30
FBI Background Check
$36.25
State Background Check
$24.00
Credit Report
$15
Florida License Fee
$195
NMLS National Exam Fee
$110
Total
$410.25
After your obtain your Florida license, you will be required to complete 8 hours of Continuing Education each year, which includes:
Florida Continuing Education Requirements
Required Hours
Federal Law
3 Hours
Ethics
2 Hours
Non-traditional Lending
2 Hours
Florida State Specific Education
1 Hour
Total
8 Hours
You’ll need to take into account the “successive years” rule, which prohibits you from taking the same courses for two years in a row.
Mortgage Educators changes its continuing education to ensure that you won’t have any issues with this rule.
**The deadline to compete CE in Florida is December 31st. MLO's in Florida are actually prevented from applying
for license renewal until they have completed their CE.
Mortgage Educators and Compliance is here to answer any additional questions you may have regarding your Florida mortgage license.
For additional questions, feel free to call us at (801) 676-2520 or email us at [email protected].
If you’re looking for a flexible, lively, and engaging career, there aren’t many choices better than becoming a mortgage lender. However, getting licensed is hard work, and requires dedication and a willingness to learn. You must focus during instruction, study hard and prepare thoroughly for the licensing exam, and then keep up with your continuing education (CE) because regulations in lending can change dramatically. There will be times when business is booming and other times when business is slow, so you'll have to learn how to create and stick to a schedule. Once you’ve become a loan originator and are employed by a mortgage broker or other financial institution, your work as a loan processor will begin. You’ll be able to help each borrower with activities such as first home purchases, home equity lines of credit, refinancing an existing mortgage loan, and more. However, getting licensed is hard work, and requires dedication and a willingness to learn.
The goal we have is to make obtaining your Florida mortgage license as convenient, and simple as possible. Our mortgage pre-license course bundles satisfy all of Florida’s required education credits and include a test prep course to help you pass the national NMLS license exam.
So, if you are social, diligent, and dedicated to learning, obtaining your mortgage license in Florida may be a perfect choice.
Mortgage loan originators and mortgage brokers are commonly confused terms. As such, many people who are searching for a Florida broker license are actually looking for a loan originator or loan officer license. So what’s the difference? Generally speaking, a mortgage broker is a company that employs a team of loan officers. Loan officers originate mortgage loans for new home buyers. Therefore, the correct license for a loan officer in Florida would be one of the options listed above, depending on which division your employer works under.
Under the Secure and Fair Enforcement for Mortgage Licensing Act of 2008, all new loan originators in Florida must complete 20 hours of mortgage education. This is comprised of an 18 hour online instructor-led course, and a 2-hour Florida-specific course on state laws and financial regulation.
New state-licensed Mortgage Loan Originators are required to complete a 20 hour SAFE pre-license course that includes:
| Florida Education Requirements | Required Hours |
|---|---|
| Fair Lending, Ethics, Fraud, and Consumer Protection | 3 Hours |
| Federal Laws and Regulations | 3 Hours |
| Non-traditional Lending | 2 Hours |
| Electives | 10 Hours |
| Florida State Law Education | 2 Hours |
| Total | 20 Hours |
The NMLS will charge these fees. Note that there are no refunds.
| NMLS Fees | Amount |
|---|---|
| NMLS Processing Charge | $30 |
| FBI Background Check | $36.25 |
| State Background Check | $24.00 |
| Credit Report | $15 |
| Florida License Fee | $195 |
| NMLS National Exam Fee | $110 |
| Total | $410.25 |
After your obtain your Florida license, you will be required to complete 8 hours of Continuing Education each year, which includes:
| Florida Continuing Education Requirements | Required Hours |
|---|---|
| Federal Law | 3 Hours |
| Ethics | 2 Hours |
| Non-traditional Lending | 2 Hours |
| Florida State Specific Education | 1 Hour |
| Total | 8 Hours |
You’ll need to take into account the “successive years” rule, which prohibits you from taking the same courses for two years in a row. Mortgage Educators changes its continuing education to ensure that you won’t have any issues with this rule.
**The deadline to compete CE in Florida is December 31st. MLO's in Florida are actually prevented from applying for license renewal until they have completed their CE.
Mortgage Educators and Compliance is here to answer any additional questions you may have regarding your Florida mortgage license. For additional questions, feel free to call us at (801) 676-2520 or email us at [email protected].
Our Mortgage Educators and Compliance (MEC) instructors bring extensive real-world lending and compliance experience to every course. Below, meet the experts who turn complex mortgage regulations into clear, practical training that helps professionals pass the NMLS exam, stay compliant, and advance their careers.
Marve Stockert
Marve Stockert brings 55 years of mortgage industry experience and 25 years of teaching experience to Mortgage Educators & Compliance.
Served 20 years as Executive Director of the Illinois Mortgage Broker Association and has tutored NMLS test candidates for the last seven years.
Marve has also worked with Falcon Innovations and was honored with the NAMB Excellence Award.
His courses blend decades of executive leadership with practical test prep, so new and seasoned MLOs can apply regulations confidently and pass with assurance.
Andrew Larson
Andrew Larson is a mortgage instructor with over two decades of hands-on industry experience and a reputation for dynamic, high-impact courses at Mortgage Educators & Compliance.
He turns compliance into connection by using real-world stories, humor, and interactive discussion to keep learning memorable.
Andrew’s classes go beyond the basics, with timely updates in law, ethics, finance, and fraud prevention tailored to each jurisdiction.
With hundreds of positive student reviews, he equips MLOs to meet CE requirements and leave ready to apply what they’ve learned.
Justin Simmons
Justin Simmons entered the mortgage industry in 2016 and is currently licensed in seven states.
At Mortgage Educators & Compliance, he pairs practical know-how with memorable stories from the field to help aspiring and active MLOs build confidence and competence.
Passionate about education, Justin focuses on clear, actionable guidance that learners can apply immediately in their day-to-day work.
Outside the classroom, he’s a husband and father who enjoys camping, fishing, and exploring the outdoors with his family.
Paul Waldrop
Paul Waldrop is a Master Trainer with more than 30 years of sales and operational leadership experience in the mortgage industry.
His background spans broker, IMB, banker, and senior/executive leadership roles, including work as an executive consultant to financial services organizations and an executive with a national training institute.
Entrepreneur-minded with a decade in Atlanta, Paul is known for engaging delivery and practical insight that helps professionals master critical skills, improve performance, and achieve measurable results.
