State research
Mortgage License Requirements by State
Every state stacks its own rules on top of the national baseline: the NMLS account, the 20-hour class, the SAFE MLO test, fingerprints, and a credit check. Pick your state below for its total pre-licensing hours and the official source, reviewed September 2026. Then use the guide's seven-step method to turn that into a plan.
- Alabama20 hours
- Alaska20 hours
- Arizona20 hours
- Arkansas20 hours
- CaliforniaDFPI: 20, DRE: 20
- Colorado20 hours
- Connecticut21 hours
- Delaware20 hours
- District of Columbia20 hours
- Florida20 hours
- Georgia20 hours
- Guam20 hours
- Hawaii20 hours
- Idaho20 hours
- Illinois20 hours
- IndianaDFI: 20, SOS: 20
- Iowa20 hours
- Kansas20 hours
- Kentucky20 hours
- Louisiana20 hours
- Maine20 hours
- Maryland20 hours
- Massachusetts20 hours
- Michigan20 hours
- Minnesota20 hours
- Mississippi20 hours
- Missouri20 hours
- Montana20 hours
- Nebraska22 hours
- Nevada30 hours
- New Hampshire20 hours
- New Jersey20 hours
- New Mexico20 hours
- New York20 hours
- North Carolina24 hours
- North Dakota20 hours
- Ohio24 hours
- Oklahoma20 hours
- Oregon20 hours
- Pennsylvania20 hours
- Puerto Rico20 hours
- Rhode Island20 hours
- South CarolinaBFI: 20, DCA: 20
- South Dakota20 hours
- Tennessee20 hours
- TexasOCCC: 20, SML: 23
- UtahDFI: 20, DRE: 25
- Vermont20 hours
- Virgin Islands20 hours
- Virginia20 hours
- Washington22 hours
- West Virginia24 hours
- Wisconsin20 hours
- Wyoming20 hours