How to Get a Mortgage loan originator License in Colorado (2026)
Quick answer
Individuals must be licensed by the board and registered with NMLS as a state-licensed originator before originating or offering to originate mortgages or acting as a mortgage loan originator.
Required hours
20 hours
Exam
Complete a written examination approved by the board.
Continuing education
8 hours
Last verified Oct 25, 2026
How do I get this license?
Check the licensing authority
Board
Colorado Board of Mortgage Loan Originators
Last verified Oct 25, 2026 — source and quotation
Board means the board of mortgage loan originators created in section 12-10-703.
Official sourceOfficial agency page
Last verified Oct 25, 2026 — source and quotation
Board means the board of mortgage loan originators created in section 12-10-703.
Official sourceCheck your qualifications
Required hours
20 hours
Last verified Oct 25, 2026 — source and quotation
At least twenty hours of education as administered and approved by the Nationwide Multistate Licensing System and Registry or its successor
Official sourceExam
Complete a written examination approved by the board.
Last verified Oct 25, 2026 — source and quotation
A written examination approved by the board.
Official sourceConfirm 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
Individuals must be licensed by the board and registered with NMLS as a state-licensed originator before originating or offering to originate mortgages or acting as a mortgage loan originator.
Last verified Oct 25, 2026 — source and quotation
Unless licensed by the board and registered with the nationwide mortgage licensing system and registry as a state-licensed loan originator, an individual shall not originate or offer to originate a mortgage or act or offer to act as a mortgage loan originator.Official source
Agency guidance
Independent contractor loan processors and underwriters engaged in residential mortgage loan origination must be state-licensed originators.
Last verified Oct 25, 2026 — source and quotation
An independent contractor may not engage in residential mortgage loan origination activities as a loan processor or underwriter unless the independent contractor is a state-licensed loan originator.Official source
Agency guidance
Renewal is required each calendar year, on the schedule set by board rule.
Last verified Oct 25, 2026 — source and quotation
a licensed mortgage loan originator shall apply for license renewal in accordance with subsection (5) of this section every calendar year as determined by the board by rule.Official source
When do I renew, and is CE required?
Continuing education hours
8 hours
Last verified Oct 25, 2026 — source and quotation
licensees shall be required to complete at least eight credit hours of continuing education each year.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?
Bonds and insurance
Insurance
Maintain errors and omissions insurance; inactive licensees and attorney licensees with qualifying professional malpractice coverage are excepted.
Last verified Oct 25, 2026 — source and quotation
Every licensee under this part 7, except an inactive mortgage loan originator or an attorney licensee who maintains a policy of professional malpractice insurance that provides coverage for errors and omissions insurance for their activities as a licensee under this part 7, shall maintain errors and omissions insuranceOfficial source
Confirm the charges and conditions for your application with the official agency.
Which official sources support this guide?
Official sources and verification (9)
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
Colorado Board of Mortgage Loan Originators
Colorado Board of Mortgage Loan Originators
Board means the board of mortgage loan originators created in section 12-10-703.Official source
Last verified Oct 25, 2026
https://olls.info/crs/crs2025-title-12.htm
Board means the board of mortgage loan originators created in section 12-10-703.Official source
Last verified Oct 25, 2026
20 hours
20
At least twenty hours of education as administered and approved by the Nationwide Multistate Licensing System and Registry or its successorOfficial source
Last verified Oct 25, 2026
Complete a written examination approved by the board.
Complete a written examination approved by the board.
A written examination approved by the board.Official source
Last verified Oct 25, 2026
Maintain errors and omissions insurance; inactive licensees and attorney licensees with qualifying professional malpractice coverage are excepted.
Maintain errors and omissions insurance; inactive licensees and attorney licensees with qualifying professional malpractice coverage are excepted.
Every licensee under this part 7, except an inactive mortgage loan originator or an attorney licensee who maintains a policy of professional malpractice insurance that provides coverage for errors and omissions insurance for their activities as a licensee under this part 7, shall maintain errors and omissions insuranceOfficial source
Last verified Oct 25, 2026
Individuals must be licensed by the board and registered with NMLS as a state-licensed originator before originating or offering to originate mortgages or acting as a mortgage loan originator.
Individuals must be licensed by the board and registered with NMLS as a state-licensed originator before originating or offering to originate mortgages or acting as a mortgage loan originator.
Unless licensed by the board and registered with the nationwide mortgage licensing system and registry as a state-licensed loan originator, an individual shall not originate or offer to originate a mortgage or act or offer to act as a mortgage loan originator.Official source
Last verified Oct 25, 2026
Independent contractor loan processors and underwriters engaged in residential mortgage loan origination must be state-licensed originators.
Independent contractor loan processors and underwriters engaged in residential mortgage loan origination must be state-licensed originators.
An independent contractor may not engage in residential mortgage loan origination activities as a loan processor or underwriter unless the independent contractor is a state-licensed loan originator.Official source
Last verified Oct 25, 2026
Renewal is required each calendar year, on the schedule set by board rule.
Renewal is required each calendar year, on the schedule set by board rule.
a licensed mortgage loan originator shall apply for license renewal in accordance with subsection (5) of this section every calendar year as determined by the board by rule.Official source
Last verified Oct 25, 2026
8 hours
8
licensees shall be required to complete at least eight credit hours of continuing education each year.Official source
Last verified Oct 25, 2026
Not yet verified: license fee, renewal — see the official agency.
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Mortgage loan originator in neighboring states
Neighboring states use Census adjacency data, including water and point boundaries.
Related licenses in Colorado
Last verified Oct 25, 2026.
Official sources (1)
Not legal or tax advice. Confirm with the official agency before filing.