chat icon



Forgot your username?

Forgot your password?


Cart empty

Get Your Mortgage License In Missouri!


Get Your Mortgage Loan Originator License in 2024!


Missouri Pre-Licensing Education

Card BackCard Front

Starting at: $349 Now Only $239!

Use Promo Code: 20PEDEAL



Obtaining a mortgage license and becoming a mortgage loan originator involves a simple process in which you will need to complete your state-specific education requirements and take and pass a national exam. Once these two steps have been completed, you're well on your way to becoming a licensed Loan Originator!


How to Get an NMLS Mortgage License in Missouri



Step 1


Step 2


Step 3


Create an NMLS Account


Complete Your Missouri Pre-license Education


Pass the NMLS Mortgage Licensing Test


To earn your Missouri mortgage license, start by applying for a Nationwide Multistate Licensing System (NMLS) account online. After you apply, you’ll receive your NMLS ID, which will become your permanent license number.


The next step is to satisfy NMLS pre-licensure education (PE) course requirements. This involves completing the standard 20 hours of NMLS-approved education covering mortgage laws and procedures.


After completing your education, it’s time to schedule your licensing examination. Get more information regarding the National Test Component exam by reading our guide.


Step 4


Step 5


Step 6


Authorize a Background Check


Apply for Your Missouri Mortgage License


Associate Your NMLS Record with Your Employer


Once you’ve passed the NMLS mortgage licensing test, you’ll need to complete a background check and pay a few non-refundable fees. You must meet the requirement before submitting your application for a mortgage broker license in Missouri. Find out how you can request a background check here.


After passing the NMLS exam, you can now apply for your Missouri NMLS license. Here’s a link to help you with this step.



Before receiving your Missouri mortgage license, you’ll need to let the government know that you have employer sponsorship. Here’s how this works.



Getting Your Mortgage License in Missouri

A Missouri mortgage license is not only your path to a fulfilling career but also a way to serve the community. If you’re willing to put in the time and effort, you'll soon be able to help others achieve their dreams of having their own property.


We’ll make earning your Missouri mortgage license easy and convenient. We offer great course bundles that meet Missouri’s education requirements, including an NMLS test prep course to help you succeed in the national exam.


Missouri 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.

Topic 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

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 Missouri should be considered an investment well worth your time. Here’s what to expect when it comes to licensing fees in Missouri:

NMLS Initial Processing Fee $30
Missouri License Fee $50
Credit Report $15
FBI Criminal Background Check $36.25
Total License Cost $131.25

On an annual basis, Missouri 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
Missouri Specific Education 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 Missouri is December 31st. MLO's in Missouri 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 Missouri mortgage license. For additional questions, feel free to call us at (801) 676-2520 or email us at

Get Started on Your Missouri Mortgage License Today

Whether you need pre-licensing education or a CE course, Mortgage Educators is your one-stop online resource. Register for your course today! 

Missouri Mortgage Education Pre-Licensing  NMLS Approved Course Provider for Missouri