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Mortgage Loan Officer — NMLS Licensed
Total cost: $418.25
Some details on this page are not yet confirmed against an official source. See sources below or contact the licensing board to verify.
20 hrs
Total Pre-Licensing Hours
Federal Only (20)
State Additional Hours
Company-level
Surety Bond
$418.25
Total Initial Fees
9 hrs
Annual CE Hours
Annual (December 31)
Renewal
All mortgage loan officers in the United States must be licensed through the Nationwide Multistate Licensing System (NMLS) under the SAFE Act. Here are the steps to get your NMLS license in Pennsylvania:
Complete 20 hours of NMLS-approved pre-licensing education (20 hours federal SAFE Act requirement). State topics include: PA state-specific law / Pennsylvania Mortgage Law (3 hrs).
Pass the National SAFE MLO Test (120 questions, 75% passing score, 190 minutes (3 hours 10 minutes)). No separate state exam component required. Administered by Prometric. Exam fee: $110.
Authorize an FBI criminal background check ($58.25) and credit report ($15) through NMLS. The SAFE Act requires both for all mortgage loan officer applicants.
Create an account on NMLS (nmls.org) and submit your MU4 individual application. NMLS processing fee: $35. Pennsylvania state license fee: $200. Pay all required fees and upload supporting documents.
Renew annual (december 31). Complete 9 hours of NMLS-approved continuing education each year (8 hours federal minimum + 1 Pennsylvania-specific hours).
Total startup cost to become a mortgage loan officer
NMLS Processing
$35
Initial NMLS processing fee (increased from $30 effective March 1, 2025)
State License Fee
$200
Pennsylvania state MLO license fee
SAFE Act Exam
$110
SAFE MLO test fee
Background Check
$58.25
FBI criminal background check via NMLS ($36.25) + PA state-specific background check ($22) per Lynx Licensing.
Credit Report
$15
Credit report via NMLS
Includes NMLS processing ($35), PA state license fee ($200), exam ($110), background checks (FBI $36.25 + PA state $22), and credit report ($15). Does not include education or surety bond costs.
Create an account on NMLS (nmls.org)
Complete 23 hours of NMLS-approved pre-licensing education (20 federal + 3 Pennsylvania-specific)
Pass the SAFE MLO Test (National Component with Uniform State Content)
Submit MU4 application through NMLS
Authorize FBI criminal background check and credit report
Pay all required NMLS and state fees
Obtain surety bond ($50,000) or meet bonding requirements
Receive Pennsylvania MLO license through NMLS
Note: All MLO applications are processed through NMLS (Nationwide Multistate Licensing System). Create your account at nmls.org before starting the application process.
The SAFE Act (2008) sets federal minimums for all MLOs
Every state must meet or exceed these requirements. Pennsylvania may add additional requirements on top of this baseline.
Pre-Licensing Education
20 hours minimum
National Exam Pass Score
75%
Annual CE Requirement
8 hours
Background Check
Required (FBI)
Credit Check
Required
Minimum Age
18
Federal requirements include 3 hrs federal law, 3 hrs ethics, and 2 hrs nontraditional lending within the 20-hour pre-licensing education.
Overall State Requirements
VerifiedState-Specific Course Topics
Surety BondCompany-level
Required — amount varies
Not required for individual MLOs. PA bonds are company-level only: brokers $50k–$150k volume-tiered ($100k+ if accepting advanced fees); lenders $100k–$500k. Per Lynx Licensing + PA DoBS. Individual MLOs are covered under their employer bond.
Not sure if you need a mlo license? Check whether your state requires one.
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Questions
120
Passing Score
75%
Time Limit
190 minutes (3 hours 10 minutes)
Questions
Varies
Passing Score
75%
Time Limit
Varies
Administered By
Prometric (through NMLS)
Exam Fee
$110
NMLS SAFE MLO test fee
Retake Policy
30-day wait after 1st and 2nd failures; 6-month wait after 3rd failure; must repay $110 each attempt
SAFE MLO Test (NMLS)
Passing Score
75%
Format
Computer-based, multiple choice
Administered By
Prometric
Cost of failing
Retake fee: $110Invest in preparation to pass the first time.
How long should you study? Most candidates study 2–4 weeks before taking the SAFE MLO Test (NMLS).
Study Materials & Exam Prep — NMLS SAFE MLO Test
Prepare for your NMLS SAFE MLO Test with Mometrix study guides, flashcards, online courses, and practice tests.
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| Fee | Amount |
|---|---|
NMLS Processing Fee Initial NMLS processing fee (increased from $30 effective March 1, 2025) | $35 |
State License Fee Pennsylvania state MLO license fee | $200 |
SAFE MLO Exam Fee SAFE MLO test fee | $110 |
FBI Background Check FBI criminal background check via NMLS ($36.25) + PA state-specific background check ($22) per Lynx Licensing. | $58.25 |
Credit Report Credit report via NMLS | $15 |
Total Initial Fees Includes NMLS processing ($35), PA state license fee ($200), exam ($110), background checks (FBI $36.25 + PA state $22), and credit report ($15). Does not include education or surety bond costs. | $418.25 |
Use our licensing cost calculator to estimate your total investment including education and exam fees.
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CE & Renewal Requirements
Verified8
Federal Minimum CE
+1
State Additional CE
9
Total CE Hours
Renewal Period
Annual (December 31)
Renewal Fee
$200
Pennsylvania state renewal fee plus $35 NMLS annual processing fee
State-Specific CE Topics
Federal CE minimum includes 3 hrs federal law, 2 hrs ethics, and 2 hrs nontraditional lending. All CE must be completed through NMLS-approved providers.
Find approved Mortgage Loan Originator pre-licensing courses at The CE Shop →(affiliate link)See our discount
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NMLS Multi-State Facilitation
NMLS allows you to apply for multiple state licenses through a single portal
Additional Requirements to Add Pennsylvania
MLOs can originate loans in multiple states by adding state licenses through NMLS. Each state may require passing the state-specific SAFE test component, additional education, and paying state licensing fees.
Mortgage Loan Originator Schools in Pennsylvania
Compare approved training programs, costs, and requirements.
Pennsylvania requires 20 hours of pre-licensing education to become a licensed Mortgage Loan Originator. All licensing is managed through the NMLS (Nationwide Multistate Licensing System).
All MLO licensing in the United States is governed by the SAFE Act and processed through NMLS.
Pennsylvania requires 23 total pre-licensing hours (20 federal + 3 PA-specific law)
Pennsylvania requires 3 additional hours of state-specific pre-licensing education.
Pennsylvania requires a $50,000 surety bond at the company level.
Study guides for the NMLS SAFE Mortgage Loan Originator exam.
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See full CE requirements in Pennsylvania.
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