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How to Get a Mortgage loan originator License in Arkansas (2026)

Quick answer

Except exempt persons, loan officers compensated by licensed mortgage brokers or bankers for soliciting, accepting or negotiating mortgage applications or issuing commitments must be licensed.

Required hours

20 hours

View official source

Renewal

A licensee may renew a license through the NMLS&R automatic licensing system between November 1 and December 31 of the calendar year

View official source

Continuing education

8 hours

View official source

Minimum age

18 years old

View official source

Last verified Oct 25, 2026

How do I get this license?

  1. Check the licensing authority

    Board

    Arkansas Securities Department

    Last verified Oct 25, 2026 — source and quotation
    Arkansas Securities Department
    Official source

    Official agency page

    Open the official agency page

    Last verified Oct 25, 2026 — source and quotation
    Any person who engages in mortgage loan activity (Mortgage Loan), as defined by the Arkansas Fair Mortgage Lending Act, in Arkansas or with an Arkansas consumer must be licensed by the Department.
    Official source
  2. Check your qualifications

    Age

    18 years old

    Last verified Oct 25, 2026 — source and quotation
    Be at least eighteen (18) years of age;
    Official source

    Education

    High school diploma or approved high school equivalency diploma, except individuals licensed as loan officers on July 1, 2007.

    Last verified Oct 25, 2026 — source and quotation
    Have received a high school diploma or a high school equivalency diploma approved by the Adult Education Section. (B) Subdivision (b)(2)(A) of this section does not apply to an individual who is licensed as a loan officer on July 1, 2007;
    Official source

    Required hours

    20 hours

    Last verified Oct 25, 2026 — source and quotation
    a person applying to be licensed as a loan officer under the Act shall complete at least twenty hours of education
    Official source
  3. Prepare your application

    Apply with the agency

    Open the official agency page

    Last verified Oct 25, 2026 — source and quotation
    The Department receives all Mortgage Loan applications via the Nationwide Multistate Licensing System (NMLS).
    Official source

    Reciprocity

    Education credit only: NMLS-approved pre-licensing education from another state is accepted toward Arkansas's requirements.

    Last verified Oct 25, 2026 — source and quotation
    The pre-licensing education requirements approved by the NMLS&R in subsection (a) of this section for any state shall be accepted as credit toward the completion of pre-licensing education requirements in Arkansas.
    Official source
  4. Confirm your next step with the agency

    Review the official instructions for your situation before applying.

    Open the official agency page

What else should I know?

Agency guidance

Except exempt persons, loan officers compensated by licensed mortgage brokers or bankers for soliciting, accepting or negotiating mortgage applications or issuing commitments must be licensed.

Last verified Oct 25, 2026 — source and quotation
A Mortgage Loan Officer license is required for any individual, other than exempt person, who in exchange for compensation as an employee of or who otherwise receives compensation or remuneration from a Mortgage Broker or a Mortgage Banker licensed in Arkansas; solicits or offers to solicit an application for mortgage loan; accepts or offers to accept an application for mortgage loan; negotiates or offers to negotiate the terms or conditions of a mortgage loan; or issues or offers to issue mortgage loan commitment or interest rate guarantee agreement.
Official source

Agency guidance

Complete continuing education before submitting renewal and before the end of the calendar year.

Last verified Oct 25, 2026 — source and quotation
Continuing education shall be completed prior to submission of the renewal application, but in any event, prior to the end of the calendar year.
Official source

When do I renew, and is CE required?

Renewal

A licensee may renew a license through the NMLS&R automatic licensing system between November 1 and December 31 of the calendar year

Last verified Oct 25, 2026 — source and quotation
A licensee may renew a license through the NMLS&R automatic licensing system between November 1 and December 31 of the calendar year
Official source

Continuing education hours

8 hours

Last verified Oct 25, 2026 — source and quotation
each calendar year a licensed loan officer shall complete at least eight hours of education
Official source

Continuing education topics

At least 3 hours federal law, 2 hours ethics including fraud, consumer protection and fair lending, and 2 hours nontraditional mortgage lending.

Last verified Oct 25, 2026 — source and quotation
(1) Three hours of Federal law and regulations; (2) Two hours of ethics, which shall include instruction on fraud, consumer protection, and fair lending issues; and (3) Two hours of training related to lending standards for the nontraditional mortgage product marketplace.
Official source

Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.

What does it cost?

Application fee

$50

Last verified Oct 25, 2026 — source and quotation
Each applicant for initial licensure shall pay a filing fee of: ... (3) Fifty dollars ($50.00) for each loan officer.
Official source

Confirm the charges and conditions for your application with the official agency.

What are the common questions?

How often do I renew a mortgage loan originator license in Arkansas?

A licensee may renew a license through the NMLS&R automatic licensing system between November 1 and December 31 of the calendar year

Source and quotation
A licensee may renew a license through the NMLS&R automatic licensing system between November 1 and December 31 of the calendar year
Official source

Last verified Oct 25, 2026

Which official sources support this guide?

Official sources and verification (13)

Last verified Oct 25, 2026. Each quotation supports the corresponding published value.

Board

Arkansas Securities Department

Arkansas Securities Department

Arkansas Securities Department
Official source

Last verified Oct 25, 2026

Official agency page

Open the official agency page

https://securities.arkansas.gov/loans/

Any person who engages in mortgage loan activity (Mortgage Loan), as defined by the Arkansas Fair Mortgage Lending Act, in Arkansas or with an Arkansas consumer must be licensed by the Department.
Official source

Last verified Oct 25, 2026

Apply with the agency

Open the official agency page

https://securities.arkansas.gov/loans/

The Department receives all Mortgage Loan applications via the Nationwide Multistate Licensing System (NMLS).
Official source

Last verified Oct 25, 2026

Qualifications / Age

18 years old

18

Be at least eighteen (18) years of age;
Official source

Last verified Oct 25, 2026

Qualifications / Education

High school diploma or approved high school equivalency diploma, except individuals licensed as loan officers on July 1, 2007.

High school diploma or approved high school equivalency diploma, except individuals licensed as loan officers on July 1, 2007.

Have received a high school diploma or a high school equivalency diploma approved by the Adult Education Section. (B) Subdivision (b)(2)(A) of this section does not apply to an individual who is licensed as a loan officer on July 1, 2007;
Official source

Last verified Oct 25, 2026

Qualifications / Required hours

20 hours

20

a person applying to be licensed as a loan officer under the Act shall complete at least twenty hours of education
Official source

Last verified Oct 25, 2026

Fees / Application

$50

50

Each applicant for initial licensure shall pay a filing fee of: ... (3) Fifty dollars ($50.00) for each loan officer.
Official source

Last verified Oct 25, 2026

Renewal

A licensee may renew a license through the NMLS&R automatic licensing system between November 1 and December 31 of the calendar year

A licensee may renew a license through the NMLS&R automatic licensing system between November 1 and December 31 of the calendar year Applies to: Arkansas mortgage loan officer licenses

A licensee may renew a license through the NMLS&R automatic licensing system between November 1 and December 31 of the calendar year
Official source

Last verified Oct 25, 2026

Continuing education hours

8 hours

8

each calendar year a licensed loan officer shall complete at least eight hours of education
Official source

Last verified Oct 25, 2026

Continuing education topics

At least 3 hours federal law, 2 hours ethics including fraud, consumer protection and fair lending, and 2 hours nontraditional mortgage lending.

At least 3 hours federal law, 2 hours ethics including fraud, consumer protection and fair lending, and 2 hours nontraditional mortgage lending.

(1) Three hours of Federal law and regulations; (2) Two hours of ethics, which shall include instruction on fraud, consumer protection, and fair lending issues; and (3) Two hours of training related to lending standards for the nontraditional mortgage product marketplace.
Official source

Last verified Oct 25, 2026

Reciprocity

Education credit only: NMLS-approved pre-licensing education from another state is accepted toward Arkansas's requirements.

Education credit only: NMLS-approved pre-licensing education from another state is accepted toward Arkansas's requirements.

The pre-licensing education requirements approved by the NMLS&R in subsection (a) of this section for any state shall be accepted as credit toward the completion of pre-licensing education requirements in Arkansas.
Official source

Last verified Oct 25, 2026

Agency guidance

Except exempt persons, loan officers compensated by licensed mortgage brokers or bankers for soliciting, accepting or negotiating mortgage applications or issuing commitments must be licensed.

Except exempt persons, loan officers compensated by licensed mortgage brokers or bankers for soliciting, accepting or negotiating mortgage applications or issuing commitments must be licensed.

A Mortgage Loan Officer license is required for any individual, other than exempt person, who in exchange for compensation as an employee of or who otherwise receives compensation or remuneration from a Mortgage Broker or a Mortgage Banker licensed in Arkansas; solicits or offers to solicit an application for mortgage loan; accepts or offers to accept an application for mortgage loan; negotiates or offers to negotiate the terms or conditions of a mortgage loan; or issues or offers to issue mortgage loan commitment or interest rate guarantee agreement.
Official source

Last verified Oct 25, 2026

Agency guidance

Complete continuing education before submitting renewal and before the end of the calendar year.

Complete continuing education before submitting renewal and before the end of the calendar year.

Continuing education shall be completed prior to submission of the renewal application, but in any event, prior to the end of the calendar year.
Official source

Last verified Oct 25, 2026

Not yet verified: license fee, exam — see the official agency.

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What should I explore next?

Mortgage loan originator in neighboring states

Neighboring states use Census adjacency data, including water and point boundaries.

Related licenses in Arkansas

What’s my next step?

Last verified Oct 25, 2026.

Official sources (3)

Not legal or tax advice. Confirm with the official agency before filing.