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Indiana New License

Get Your MLO License in 2024!


IN-SOS Pre-Licensing Bundle

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Starting at: $399 Now Only $259.99!

Use Promo Code: INSOS


Licensed in another state and want to add Indiana?

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Now Only $49.98!

Use Promo Code: INPE49


IN-DFI Pre-Licensing Course

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Starting at: $349 Now Only $239!

Use Promo Code: 20PEDEAL


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 Frequently Asked Questions

In an effort to curb the predatory lending practices that led to the demise of the housing and residential mortgage industry in 2008, the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE) was enacted. This opened up a world of opportunity to those driven to attain an MLO license and then work hard to match people with loan products.


Indiana-DFI Hours Required
Fair Lending, Ethics, Fraud, and Consumer Protection 3 Hours
Federal Laws and Regulations 3 Hours
Non-Standard Lending 2 Hours
Undefined Electives 12 Hours
Total 20 Hours


Indiana-SOS Hours Required
Fair Lending, Ethics, Fraud, and Consumer Protection 3 Hours
Federal Laws and Regulations 3 Hours
Non-Standard Lending 2 Hours
Undefined Electives 10 Hours
Indiana Specific Education 2 Hours
Total 20 Hours

If you complete the required 20 hours of education but do not obtain your license for a 3-year period, you'll need to repeat the coursework. The same applies if you let your license lapse for 3+ years before you want to get back into the industry.

A “mortgage broker” refers to an individual or an organization that connects consumers with mortgage loans from a variety of companies. Mortgage brokers frequently employ loan officers. In contrast, a loan officer is an employee who regularly works with borrowers and provides loans that are originated by their employer. Brokers and loan officers need different types of licenses.

Earning your mortgage broker license in Indiana should be considered an investment well worth your time. Here’s what to expect when it comes to licensing fees in Indiana:

Indiana Licensing Fees
NMLS Initial Processing Fee $30
Indiana-SOS* Application Fee $50
Indiana-DFI* Registration Fee $100
Credit Report $15
FBI Criminal Background Check $36.25
If you are getting licensed by the ID-SOS, you will not have to pay the ID-DFI fees, as with ID-DFI, you will not have to pay ID-SOS fees.

On an annual basis, Indiana MLO license holders must complete 8 total hours of Comprehensive Continuing Education that must cover:

Topic Required Hours
Federal Regulations and Law 3 Hours
Ethics, including consumer protection, fair lending 2 Hours
Non-Traditional mortgage lending 2 Hours
Undefined Elective 1 Hour

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 Indiana is December 31st. MLO's in Indiana 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 Indiana mortgage license. For additional questions, feel free to call us at 801-676-2520 or email us at

Indiana Mortgage Education Pre-Licensing  Indiana NMLS Approved Course Provider