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Get Your MLO License in 2022!



IN-SOS Pre-Licensing Bundle

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Starting at: $399 Now Only $259.99!

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Licensed in another state and want to add Indiana?

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Now Only $49.98!

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IN-DFI Pre-Licensing Course

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Obtaining a mortgage license and becoming an Indiana loan officer is very simple, but it’s not for everyone. It takes a willingness to learn the basic ins and outs of the industry as well as a desire to work hard. The mortgage industry is a great one to get into and it provides a lot of flexibility. If you like to work hard, you are a people person, and you have a desire to learn, becoming a mortgage loan officer is the perfect choice for you.


How to Get an NMLS Mortgage License in Indiana



Step 1


Step 2


Step 3


Sign up for an NMLS Account and Unique ID Number


Take 20 Hours of Approved Classes


Earn a Passing Score on Your Mortgage Licensing Exam


Before you can get an Indiana mortgage license, you need to get your name and information into the online NMLS account and receive an ID number.


You must take and pass approved Indiana MLO classes before you can even take a license exam.


Sign up for your NMLS exam, and schedule it online. Make sure you follow the step-by-step instructions here. Earn a passing score before moving to the next step.


Step 4


Step 5


Step 6


Get Your Background Checked


Fill out an Indiana Mortgage License Form


Add Employer Sponsorship to Your NMLS Account


You’ll need to pass an FBI criminal background screening and pay the fee. You’ll also need to request a separate credit report.


One step at a time, make sure each step of your Indiana MLO license application is complete (including short steps we haven’t listed). Download it here.



An Indiana mortgage license is only valid when sponsored by an employer. Use the quick process here.



Get Your Indiana Mortgage License

If you’re an outgoing or caring person, you’ll love your new career. Find an enjoyable broker to work under and start serving clients. Focus on making their day, and you’ll never lack for work—and a good income. It’s truly enjoyable to help people get their next home.


You might be intimidated by all the steps it takes to get your Indiana MLO license. But Mortgage Educators can get you through many of them with our pre-license bundles. Don’t let the classes and exams hold you back. Study with us; we’ll help you get started in an exciting career, fast.



Indiana Mortgage License Education Requirements

Just like any valuable career, being a mortgage officer requires some classwork. You’ll add more value to your clients when you take:


  • 3 hours of ethics classes, covering fair lending, fraud, and consumer protection

  • 3 hours on federal mortgage laws

  • 2 hours on less common types of mortgages

  • 10 hours of elective classes

  • 2 hours on local Indiana laws


Use a convenient package of courses from Mortgage Educators to get your 20 hours out of the way quickly—and retain valuable insights you’ll use in your everyday work.



What's the Difference Between an Indiana Mortgage Broker License and an Indiana Loan Officer License?

Are mortgage brokers and loan officers the same? Some people use the terms interchangeably, but the licenses actually are different. A mortgage broker license in Indiana authorizes an employer to set up shop. On the other hand, you will need an individual MLO license in Indiana to work at a broker office.


Cost of Getting Your Mortgage License in Indiana

When you’re ready to apply, be prepared to get out your checkbook or debit card. These are the processing fees for the components of your Indiana mortgage license application:


- $50 for the application

- $30 for processing

- $15 for the credit report

- $36.25 for the FBI check


You can’t get refunds for these, so take pre-tests from Mortgage Educators to be sure you will pass your NMLS exam.


PE Expiration Policy in Indiana


If you finish your 20 hours of education but don’t apply for your license for 3 years, you will lose your credit for completing those classes. You would have to retake them to get your license.


Your education credit can also expire if you let your license lapse and don’t renew it for 3 years. This national policy is now enforced in the state of Indiana.


Indiana Continuing Education Requirements


Every fall, start getting ready to renew your license. This is not a time for procrastination because there are strict deadlines for your renewal submission—and no reinstatement policy if you miss your deadline.


Renewal education takes 8 hours of classes:


  • 3 on federal law

  • 2 on ethics

  • 2 on other types of mortgages

  • 1 on an elective


Plan carefully so you submit your renewal application on time. Technically, the deadline is the last day of the year, but we strongly advise you to shoot for a completed submission by November 1. Don’t let any bureaucratic delays get in the way of your livelihood.



Start Your Indiana Loan Officer License Education Today

Getting through these steps can take some time. If it were easy, there would be too many loan officers. We’ll help you be one of the few who make it and earn a really great living. Whether you’re renewing or getting your first Indiana MLO license, your most efficient path will be through Mortgage Educators.





Additional Questions?

Mortgage Educators and Compliance is here to answer any additional questions that you may have in regards to your Indiana mortgage license. For additional questions, feel free to call us at (801) 676-2520 or email us at





Indiana Mortgage Education Pre-Licensing