Loan Officer Licensing Requirements for all States

We cannot guarantee the accuracy of this information as requirements may change at any time. Please Note: If your state requires licensing and/or registration, this is normally done through the mortgage broker in which you will be affiliated with. In addition many mortgage banks, savings & loans, etc... are exempt from license requirements.

Alabama

AL State Banking Dept.
Center for Commerce Suite 680
401 Adams Avenue
Montgomery, Alabama 36130-1201
Telephone: (334) 242-3452
Fax: (334) 242-3500
Bureau of Loans
Fax: (334) 353-5961

No license required.

Arkansas

Arkansas Securities Department
Heritage West Bldg
Suite 300
201 F. Markham
Little Rock, AR 72201 (501) 324-9260

Loan officers must register. No exam required. Registration fee $50.00.

Arizona

Arizona State Banking Department
2910 N. 44th Street, Suite 310
Phoenix, AZ 85082
Ph:(602) 255-4421
fax: (602) 381-1225
General Information: mailbox@azbanking.com
Consumer Affairs: : consumeraffairs@azbanking.com

No license required.

California

Department of Corporations
320 West 4th Street
Suite 750
Los Angeles, CA 90013-2344
Ph: (213) 576-7500

Loan officer license requirements: If the lender, broker, banker is licensed through the Department of Corporations no license is necessary. If the lender, broker, banker is licensed through the California Department of Real Estate then a state approved real estate course and exam must be completed before a license will be issued.

Colorado

Department of Regulatory Agencies
1525 Sherman ST.
5th Floor
Denver, CO 80203
Ph: (303) 866-4494
Fax: (303) 866-5691
E-Mail: uccc@state.co.us

No license required.

Connecticut

Department of Banking
Consumer Credit division
260 Constitution Plaza
Hartford, CT 06103-1800
Ph: (860) 240-8200
Fax: (860) 240-8178
E-mail: tony.vasile@po.state.ct.us

Loan officers must register. No exam required. Application fee  for secondary lender $100. Loan officer application fee $50.00.

Delaware

Office of the State Bank Commissioner
555 E. Loockerman Street
Suite 210
Dover, DE 19901
Ph: (302) 739-4235 Fax: (302) 739-3609
Licensing/consumer complaints
fax: (302) 739-2356

No license required.

Florida

Department of Financial Services
Office of Financial Regulations
200 East Gaines Street
Tallahassee, Florida 32399
Ph: (850) 410-9805
Fax: (850) 410-9748
Website: www.dbf.state.fl.us/licensing/Mblist.html

No pre-licensing required. Loan officers for licensed lenders must complete a standard continuing education of 14 hours within the first 2 years of employment.

Georgia

Department of Banking and Finance
2990 Brandywine Road
Suite 200
Atlanta, Georgia 30341-5565
Ph: (770) 986-1633
Fax: (770) 986-1654

No loan officer license required.

Hawaii

Professional and Vocational Licensing
Division of Department of Commerce and Consumer Affairs
P.O. Box 3469
Honolulu, HI 96801
1010 Richards Street
Room 602-A
Honolulu, HI 96813
Ph: (808) 586-3000

Loan officer is licensed as a mortgage solicitor. A standard registration is required, the application will be provided by the mortgage broker or lender. The fees vary from $85 for and even number year to $145 for an odd number year.

Idaho

Department of Finance
700 W. State Street, 2nd Floor
P.O. Box 83720
Boise, ID 83720
Ph: (208) 332-8002
Fax: (208) 332-8097

No loan officer license required.

Illinois

Division of Banks and Real Estate
Residential Finance
310 South Michigan Avenue
Suite 2130
Chicago, IL 60604-4278
Ph: (312) 793-3000
Fax: (312) 793-8720

A loan officer is required to be licensed. Licensing includes an exam, background check, license fees and finger printing. The total fees are approx. $400+.

Indiana

Department of Financial Institutions
30 South Meridian Street
Suite 300
Indianapolis, Indiana 46204
Ph: (317) 232-3955
Secretary of State
Securities Division
302 Washington Street
Room E-111
Indianapolis, Indiana 46204
Telephone: (800) 223-8791

A loan officer is required to be licensed. The state requires 24 hours of state approved education. State requires 12 credit hours of continuing education every 2 years thereafter.

Iowa

Iowa Division of Banking
200 East Grand Ave
Suite 300
Des Moines, IA 50309
Ph: (515) 281-4014
Fax: (515) 281-4862
Fax: (515) 281-7688

No loan officer license required.

Kansas

Office of the State Bank Commissioner
700 Jackson Street
Suite 300
Topeka, Kansas 66603
Ph: (785) 296-2266
Fax: (785) 296-0168

There are no pre-licensing requirements but loan officers must complete 8 hours of state approved continuing education each year.

Kentucky

Department of Financial Institutions
1025 Capital Center
Suite 200
Frankfort, Kentucky 40601
Ph: (502) 573-3390
Toll-Free: 1-800-223-2579
Fax: (502) 573-8787

Loan officer license is required. Twelve hours of state approved mortgage educational courses are required before a loan officer can obtain a license.

Louisiana

Office of Financial Institutions
8660 United Plaza Blvd.
Second Floor
Baton Rouge, LA 70809-7024
Post Office Box 94095
Baton Rouge, LA 70804-9095
Ph: (225) 925-4660
Fax: (225) 925-4548

License required. 10 hours of continuing education required before you can be licensed.

Maine

Department of Professional and Financial Regulation
Office of Consumer Credit Regulation
# 35 State House Station
Augusta, Maine 04333-0035
Ph: (207) 624-8527
Fax: (207) 582-5415

Loan officer license not required.

Maryland

Division of Financial Regulation
Consumer Credit Division
500 North Calvert Street
Suite 402
Baltimore, MD 21202
Ph: (410) 230-6100

No license required. (When the mortgage broker’s license is up for renewal (every 2 years) 20 hours of continuing education is required for loan officers).

Massachusetts

Massachusetts Division of Banks
One South Station
Boston, MA 02110
Ph: (617) 956-1500
Fax: (617) 956-1599

No license required.

Michigan

Office of Financial and Insurance Services
333 South Capitol Avenue
Suite A
Lansing, MI.
P.O. Box 30224 Lansing, MI 48909
Ph: (517) 373-3460
Fax: (517) 335-0908

No license required.

Minnesota

Department of Commerce
Division of Financial Examinations
85 East 7th Place
Suite 500
ST.Paul, MN 55101-2198
Ph: (651) 296-2135
Fax: (651) 296-8591
E-mail: financial.commerce@state.mn.us

No license required.

Mississippi

Department of Banking and Consumer Finance
501 North West Street
901 Woolfolk Building
Suite A
Post Office Box 23729
Jackson, Mississippi 39201
Ph: (601) 359-1031 or
Toll-Free: (800) 844-2499

License required. No pre-licensing education required. (12 hours of continuing education will be required annually by state approved provider).

Missouri

Mortgage Broker Section
Division of Finance
301 West High Street
Room 630
P.O. Box 716
Jefferson City, MO 65102-0716
Ph: (573) 751-3242
Section Ph: (573) 751-4243
Fax: (573) 751-9192

No license required.

Montana

Department of Commerce
Financial Division
1424 9th Ave.
Helena, MT 59601
Ph: (406) 444-3797
Fax: (406) 444-2903

License Required. You must pass a state approved exam before a license will be issued.

Nebraska

Nebraska Department of Banking and Finance
Commerce Court
1230 "O" Street, Suite 400
PO Box 95006
Lincoln, NE 68509-5006
Ph: (402) 471-2171

No license required.

Nevada

Mortgage Lending Division
Las Vegas Office
Mortgage Lending Division
3075 E. Flamingo
#104A
Las Vegas, Nevada 89121
Ph: (702) 486-0780
Fax: (702) 486-0785

License required. No initial educational requirements, loan officers must complete 10 hours of state approved continuing education during the 12 months immediately preceding the date on which the license expires.

New Hampshire

Banking Department
64b Old Suncook Road
Concord, New Hampshire 03301
Ph: (603) 271-3561
Fax: (603) 271-1090

No license required.

New Jersey

Department of Banking and Insurance
Division of Banking
Office of Consumer Finance
20 West State Street
P.O. Box 040
Trenton, NJ 08625-0325
Ph: (609) 292-5360
Fax: 609) 292-5461

License required. No educational requirements. Registration $100.00.

New Mexico

Regulation and Licensing Department
Financial Institutions Division
2550 Cerrillos Road
3rd Floor, 
Santa Fe, NM  87505
Ph: (505) 476-4885
Fax: (505) 476-4670
rldfid@state.nm.us

No license required.

New York

State of New York Banking Department
Legal Financial Services Division
2 Rector Street-21st Floor
New York, NY 10006
Attn: Deputy Super. Peter Philbin
Ph: 212/618-6642
Fax: 212-618-6426

No license required.

North Carolina

NC Commissioner of Banks
316 W. Edenton Street
Raleigh, NC 27603
Mailing Address:
4309 Mail Service Center
Raleigh, NC 27699-4309
Ph: (919) 733-3016
Fax: (919) 733-6918

License required. Before applying for a loan officer license, an individual must take a state approved mortgage fundamentals course and pass the North Carolina loan officer test at an official testing center. In addition 8 hours of continuing education are required each year for renewal.

North Dakota

Department of Financial Institutions
2000 Schafer Street
Suite G
Bismarck, ND 58501-1204
Ph: (701) 328-9933
Fax: (701) 328-9955 E-mail: dfi@state.nd.us

No license required.

Ohio

Department of Commerce
Financial Institutions Division
77 S High Street, 21st Floor
Columbus, OH 43266-0121
Ph: (614) 728-8400 E-mail: webdfi@dfi.com.state.oh.us

No initial educational requirements. 6 hours continuing education required within first year.

Oklahoma

Department of Consumer Credit
4545 North Lincoln Boulevard
Suite 104
Oklahoma City, OK 73105-3408
Ph: (405) 521-3653
Fax: (405) 521-6740

Loan officer license required. Loan officers must register and pass a state approved exam before license will be issued.

Oregon

Dept of Consumer and Business Services
Division of Finance and Corporate Securities
350 Winter St. NE
Room 410
Salem, OR 97301-3881
Ph: (503) 378-4140
Fax: (503) 947-7862

Registration through broker or lender but no license required.

Pennsylvania

Licensing Division
Bureau of Licensing and Consumer Compliance
Department of Banking
333 Market Street
16th fl.
Harrisburg, PA 17101-2290
Ph: (717) 787-3717
Fax: (717) 787-8773

No loan officer license required.

Rhode Island

Department of Business Regulation
Dennis F. Ziroli, Assoc. Director & Supt.
233 Richmond Street
Suite 231
Providence, RI 02903-4231
Ph: (401) 277-2405

No loan officer license required.

South Dakota

Division of Banking
Address: 217 1/2 West Missouri
Pierre, SD 57501-4590
Ph: (605) 773-3421
Fax: (605) 773-5367
E-mail: drr.banking.info @state.sd.us

No loan officer license required.

South Carolina

Department of Consumer Affairs
P.O Box 5757
3600 Forest Drive
Columbia, South Carolina 29250
Ph: (803) 734-4200
Fax: (803) 734-4286

Loan officer license required. No initial education required, 8 hours of continuing education per year.

Tennessee

Department of Financial Institutions
Suite 400
Nashville City Center
511 Union Street
Nashville, TN 37219
Ph: (615) 741-2236
Fax: (615) 741-2883

Loan officer license required. No educational requirements - registration only.

Texas

Savings and Loan Department
2601 North Lamar Boulevard
Suite 201
Austin, Texas 78705
Ph: (512) 475-1350
Fax: (512) 475-1360

License required. Education required 15 hours of state approved mortgage educational course is required before a loan officer can be licensed.

Utah

Utah Division of Real Estate
Heber M. Wells Building
160 East 300 South
2nd Floor
Salt Lake City, UT  84111
P.O. Box 146711
Salt Lake City, UT 84114-6711
Ph: (801) 530-6747
Fax: (801) 530-6749

State approved examination required before loan officer licenses will be issued.

Vermont

Department of Banking, Insurance
Securities & Health Care Administration
89 Main Street Drawer 20
Montpelier, Vermont 05620-3101
Ph: (802) 828-3307

No License required for loan officer.

Virginia

Bureau of Financial Institutions
1300 E. Main Street, Suite 800
P.O. Box 640
Richmond, Virginia 23218-0640
Ph: (804) 371-9657
Fax: (804) 371-9704

No license required for loan officer.

Washington

Department of Financial Institutions
Division of Consumer Services
Post Office Box 41200
210 11th Street SW
Room 300
Olympia, Washington 98504
Ph: (360) 902-8703
Fax: (360) 664-2258

No license required.

West Virginia

Division of Banking
1900 Kanawha Boulevard East
Building #3, Room 311
Charleston, WV 25305-0240
Ph: (304) 558-2294
Fax: (304) 558-0442

License required. No initial education required. 7 hours of continuing education every year.

Wisconsin

Division of Banking
Department of Financial Institutions
345 W. Washington Avenue
4th Floor, P.O. Box 7876
Madison, WI 53707-7876
Ph: (608) 261-7578 License required. Registration required. May require an upfront exam soon.

Wyoming

Division of Banking
Herschler Building, 3rd Floor East Wing
122 West 25th Street
Cheyenne, WY 82002
Ph: (307) 777-7797
Fax: (307) 777-3555

No License required.

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