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

Quick answer

Unless exempt or operating under statutory temporary authority, individuals originating residential mortgages for a licensee or exempt person need an annual MLO license.

License fee

$300

View official source

Required hours

At least 20 hours of approved prelicensing education and at least 1 hour on relevant Connecticut law.

View official source

Renewal

An application for renewal of a license must be filed between November first and December thirty-first of the year in which the license expires.

View official source

Continuing education

8 hours

View official source

Last verified Oct 25, 2026

How do I get this license?

  1. Check the licensing authority

    Board

    Connecticut Department of Banking, Consumer Credit Division

    Last verified Oct 25, 2026 — source and quotation
    Connecticut Department of Banking Consumer Credit Division
    Official source

    Official agency page

    Open the official agency page

    Last verified Oct 25, 2026 — source and quotation
    Connecticut Department of Banking Consumer Credit Division
    Official source
  2. Check your qualifications

    Required hours

    At least 20 hours of approved prelicensing education and at least 1 hour on relevant Connecticut law.

    Last verified Oct 25, 2026 — source and quotation
    (A) At least twenty hours of education approved in accordance with subdivision (2) of this subsection ... (B) At least one hour of education approved in accordance with subdivision (2) of this subsection on relevant Connecticut law.
    Official source
  3. Prepare your application

    Apply with the agency

    Open the official agency page

    Last verified Oct 25, 2026 — source and quotation
    If you wish to apply for a mortgage loan originator license you should begin by first reviewing Connecticut’s Jurisdiction-Specific Requirements
    Official source

    Reciprocity

    Education credit only: qualifying system-approved out-of-state prelicensing education is accepted.

    Last verified Oct 25, 2026 — source and quotation
    When prelicensing education requirements described in subdivision (1) of this subsection are completed in another state, such out-of-state prelicensing education requirements shall be accepted as credit towards completion of the prelicensing education requirements of this state, provided such out-of-state prelicensing education requirements are approved by the system.
    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

Unless exempt or operating under statutory temporary authority, individuals originating residential mortgages for a licensee or exempt person need an annual MLO license.

Last verified Oct 25, 2026 — source and quotation
An individual, unless specifically exempted under subdivision (2) of this subsection or acting pursuant to the temporary authority provided in subsection (e) of this section, shall not engage in the business of a mortgage loan originator on behalf of a licensee or a person exempt under section 36a-487 with respect to any residential mortgage loan without first obtaining and maintaining annually a license as a mortgage loan originator under section 36a-489.
Official source

Agency guidance

Licenses expire December 31 of the approval year; approvals on or after November 1 expire December 31 of the following year.

Last verified Oct 25, 2026 — source and quotation
Each mortgage lender, mortgage correspondent lender, mortgage broker, lead generator, mortgage loan originator and loan processor or underwriter license shall expire at the close of business on December thirty-first of the year in which it is approved, unless such license is renewed, and provided any such license that is approved on or after November first shall expire at the close of business on December thirty-first of the year following the year in which it is approved.
Official source

When do I renew, and is CE required?

Renewal

An application for renewal of a license must be filed between November first and December thirty-first of the year in which the license expires.

Last verified Oct 25, 2026 — source and quotation
An application for renewal of a license shall be filed between November first and December thirty-first of the year in which the license expires.
Official source

Continuing education hours

8 hours

Last verified Oct 25, 2026 — source and quotation
a licensed mortgage loan originator, a qualified individual or branch manager and a licensed loan processor or underwriter, shall complete at least eight hours of education
Official source

Continuing education topics

At least 3 hours federal law; 2 ethics; 2 nontraditional mortgage lending; 1 Connecticut law.

Last verified Oct 25, 2026 — source and quotation
Such courses shall include at least (A) three hours of instruction on relevant federal law and regulation; (B) two hours of ethics, including instruction on fraud, consumer protection and fair lending issues; (C) two hours of training related to lending standards for the nontraditional mortgage product marketplace; and (D) effective January 1, 2015, one hour of relevant Connecticut law.
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?

License fee

$300

Last verified Oct 25, 2026 — source and quotation
Each applicant for an initial license or renewal of a license as a mortgage loan originator or loan processor or underwriter shall pay to the system any required fees or charges and a license fee of three hundred dollars.
Official source

Renewal fee

$300

Last verified Oct 25, 2026 — source and quotation
Each applicant for an initial license or renewal of a license as a mortgage loan originator or loan processor or underwriter shall pay to the system any required fees or charges and a license fee of three hundred dollars.
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 Connecticut?

An application for renewal of a license must be filed between November first and December thirty-first of the year in which the license expires.

Source and quotation
An application for renewal of a license shall be filed between November first and December thirty-first of the year in which the license expires.
Official source

Last verified Oct 25, 2026

What is the mortgage loan originator license fee in Connecticut?

$300

Source and quotation
Each applicant for an initial license or renewal of a license as a mortgage loan originator or loan processor or underwriter shall pay to the system any required fees or charges and a license fee of three hundred dollars.
Official source

Last verified Oct 25, 2026

Which official sources support this guide?

Official sources and verification (12)

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

Board

Connecticut Department of Banking, Consumer Credit Division

Connecticut Department of Banking, Consumer Credit Division

Connecticut Department of Banking Consumer Credit Division
Official source

Last verified Oct 25, 2026

Official agency page

Open the official agency page

https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/mortgage-loan-originator-licensing-information

Connecticut Department of Banking Consumer Credit Division
Official source

Last verified Oct 25, 2026

Apply with the agency

Open the official agency page

https://portal.ct.gov/dob/consumer-credit-licensing-info/consumer-credit-licensing-information/mortgage-loan-originator-licensing-information

If you wish to apply for a mortgage loan originator license you should begin by first reviewing Connecticut’s Jurisdiction-Specific Requirements
Official source

Last verified Oct 25, 2026

Qualifications / Required hours

At least 20 hours of approved prelicensing education and at least 1 hour on relevant Connecticut law.

At least 20 hours of approved prelicensing education and at least 1 hour on relevant Connecticut law.

(A) At least twenty hours of education approved in accordance with subdivision (2) of this subsection ... (B) At least one hour of education approved in accordance with subdivision (2) of this subsection on relevant Connecticut law.
Official source

Last verified Oct 25, 2026

Fees / License

$300

300

Each applicant for an initial license or renewal of a license as a mortgage loan originator or loan processor or underwriter shall pay to the system any required fees or charges and a license fee of three hundred dollars.
Official source

Last verified Oct 25, 2026

Fees / Renewal

$300

300

Each applicant for an initial license or renewal of a license as a mortgage loan originator or loan processor or underwriter shall pay to the system any required fees or charges and a license fee of three hundred dollars.
Official source

Last verified Oct 25, 2026

Renewal

An application for renewal of a license must be filed between November first and December thirty-first of the year in which the license expires.

An application for renewal of a license shall be filed between November first and December thirty-first of the year in which the license expires. Applies to: Connecticut mortgage loan originator licenses

An application for renewal of a license shall be filed between November first and December thirty-first of the year in which the license expires.
Official source

Last verified Oct 25, 2026

Continuing education hours

8 hours

8

a licensed mortgage loan originator, a qualified individual or branch manager and a licensed loan processor or underwriter, 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 ethics; 2 nontraditional mortgage lending; 1 Connecticut law.

At least 3 hours federal law; 2 ethics; 2 nontraditional mortgage lending; 1 Connecticut law.

Such courses shall include at least (A) three hours of instruction on relevant federal law and regulation; (B) two hours of ethics, including instruction on fraud, consumer protection and fair lending issues; (C) two hours of training related to lending standards for the nontraditional mortgage product marketplace; and (D) effective January 1, 2015, one hour of relevant Connecticut law.
Official source

Last verified Oct 25, 2026

Reciprocity

Education credit only: qualifying system-approved out-of-state prelicensing education is accepted.

Education credit only: qualifying system-approved out-of-state prelicensing education is accepted.

When prelicensing education requirements described in subdivision (1) of this subsection are completed in another state, such out-of-state prelicensing education requirements shall be accepted as credit towards completion of the prelicensing education requirements of this state, provided such out-of-state prelicensing education requirements are approved by the system.
Official source

Last verified Oct 25, 2026

Agency guidance

Unless exempt or operating under statutory temporary authority, individuals originating residential mortgages for a licensee or exempt person need an annual MLO license.

Unless exempt or operating under statutory temporary authority, individuals originating residential mortgages for a licensee or exempt person need an annual MLO license.

An individual, unless specifically exempted under subdivision (2) of this subsection or acting pursuant to the temporary authority provided in subsection (e) of this section, shall not engage in the business of a mortgage loan originator on behalf of a licensee or a person exempt under section 36a-487 with respect to any residential mortgage loan without first obtaining and maintaining annually a license as a mortgage loan originator under section 36a-489.
Official source

Last verified Oct 25, 2026

Agency guidance

Licenses expire December 31 of the approval year; approvals on or after November 1 expire December 31 of the following year.

Licenses expire December 31 of the approval year; approvals on or after November 1 expire December 31 of the following year.

Each mortgage lender, mortgage correspondent lender, mortgage broker, lead generator, mortgage loan originator and loan processor or underwriter license shall expire at the close of business on December thirty-first of the year in which it is approved, unless such license is renewed, and provided any such license that is approved on or after November first shall expire at the close of business on December thirty-first of the year following the year in which it is approved.
Official source

Last verified Oct 25, 2026

Not yet verified: 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 Connecticut

What’s my next step?

Last verified Oct 25, 2026.

Official sources (2)

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