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Sort and compare mortgage loan originator licensing requirements side-by-side across all 50 states.
| State | Total Hours | State Add'l | Bond Req. | Total Fees | CE Hours | Renewal | Bond Amount | Verified |
|---|---|---|---|---|---|---|---|---|
| Alabama(AL) | 20 | — | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Alaska(AK) | 20 | — | Yes | — | 8 | Annual (December 31) | $75,000 | March 2026 |
| Arizona(AZ) | 20 | +4 | Yes | — | 8 | Annual (December 31) | $200,000 (employer bond) or $100 recovery fund | March 2026 |
| Arkansas(AR) | 20 | — | Yes | — | 8 | Annual (December 31) | $100,000 | March 2026 |
| California(CA) | 20 | +2 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Colorado(CO) | 20 | +2 | Yes | — | 8 | Annual — licenses expire December 31 each year; renewal window is November 1 to December 31 | $25,000 | March 2026 |
| Connecticut(CT) | 21 | +1 | Yes | — | 8 | Annual (December 31) | $50,000 | March 2026 |
| Delaware(DE) | 20 | — | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| District of Columbia(DC) | 20 | +3 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Florida(FL) | 20 | +2 | No | — | 8 | Annual (December 31) | — | March 2026 |
| Georgia(GA) | 20 | — | Yes | — | 8 | Annual; renewal window per NMLS standard (December 31 deadline) | $150,000 | March 2026 |
| Hawaii(HI) | 20 | +3 | Yes | — | 8 | Annual (December 31) | $50,000 | March 2026 |
| Idaho(ID) | 20 | +2 | No | — | 8 | Annual (December 31) | — | March 2026 |
| Illinois(IL) | 20 | — | Yes | — | 8 | Annual | $25,000 | March 2026 |
| Indiana(IN) | 20 | +2 | Yes | — | 8 | Annual renewal; December 31 deadline is standard for NMLS-managed licenses | $25,000 | March 2026 |
| Iowa(IA) | 20 | — | Yes | — | 8 | Annual (December 31) | $50,000 | March 2026 |
| Kansas(KS) | 20 | — | Yes | — | 8 | Annual (December 31) | $50,000 | March 2026 |
| Kentucky(KY) | 20 | — | Yes | — | 8 | Annual (December 31) | $15,000 (volume < $10M) / $20,000 (volume > $10M) | March 2026 |
| Louisiana(LA) | 20 | — | Yes | — | 8 | Annual (December 31) | $50,000 | March 2026 |
| Maine(ME) | 20 | — | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Maryland(MD) | 20 | +5 | Yes | — | 8 | Annual (December 31) | $50,000-$150,000 | March 2026 |
| Massachusetts(MA) | 20 | +3 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Michigan(MI) | 20 | +2 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Minnesota(MN) | 20 | — | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Mississippi(MS) | 20 | +4 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Missouri(MO) | 20 | — | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Montana(MT) | 20 | +2 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Nebraska(NE) | 22 | +2 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Nevada(NV) | 30 | +4 | Yes | — | 8 | Annual (December 31) | $50,000-$75,000 | March 2026 |
| New Hampshire(NH) | 20 | +2 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| New Jersey(NJ) | 20 | +4 | Yes | — | 12 | Annual (December 31) | $100,000 | March 2026 |
| New Mexico(NM) | 20 | +3 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| New York(NY) | 20 | +3 | Yes | — | 11 | Annual (December 31) | $10,000-$100,000 | March 2026 |
| North Carolina(NC) | 24 | +4 | Yes | — | 8 | Annual (December 31) | $75,000 | March 2026 |
| North Dakota(ND) | 20 | — | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Ohio(OH) | 24 | +4 | Yes | — | 8 | Annual (December 31) | $50,000 | March 2026 |
| Oklahoma(OK) | 20 | +1 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Oregon(OR) | 20 | +4 | Yes | — | 10 | Annual (December 31) | $25,000 | March 2026 |
| Pennsylvania(PA) | 20 | +3 | Yes | — | 8 | Annual (December 31) | $50,000 | March 2026 |
| Rhode Island(RI) | 20 | +3 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| South Carolina(SC) | 20 | +3 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| South Dakota(SD) | 20 | — | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Tennessee(TN) | 20 | +2 | Yes | — | 8 | Annual (December 31) | $100,000 | March 2026 |
| Texas(TX) | 23 | +3 | Yes | — | 8 | Annual (December 31) | $50,000 | March 2026 |
| Utah(UT) | 35 | +15 | Yes | — | 9 | Annual (December 31) | $25,000 | March 2026 |
| Vermont(VT) | 20 | +2 | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Virginia(VA) | 20 | — | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |
| Washington(WA) | 22 | +4 | Yes | — | 9 | Annual (December 31) | $120,000 | March 2026 |
| West Virginia(WV) | 24 | +4 | Yes | — | 9 | Annual (December 31) | $25,000 | March 2026 |
| Wisconsin(WI) | 20 | — | Yes | — | 8 | Annual (December 31) | $120,000 | March 2026 |
| Wyoming(WY) | 20 | — | Yes | — | 8 | Annual (December 31) | $25,000 | March 2026 |