Official sources and verification (14)
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
BoardDelaware Office of the State Bank Commissioner
Delaware Office of the State Bank Commissioner
Office of the State Bank Commissioner
Official sourceLast verified Oct 25, 2026
Apply with the agencyOpen the official agency page
https://banking.delaware.gov/faqs/mortgage-loan-originator-licensing-help/
Mortgage loan originators must complete the NMLS form called MU4 (uniform individual mortgage licensing/registration and consent form).
Official sourceLast verified Oct 25, 2026
Qualifications / Required hours20 hours
20
NMLS must indicate the applicant has completed 20 hours of NMLS pre-licensure education
Official sourceLast verified Oct 25, 2026
Qualifications / ExamPass the SAFE MLO National Test Component with Uniform State Content, or a listed legacy combination of National and state/UST components.
Pass the SAFE MLO National Test Component with Uniform State Content, or a listed legacy combination of National and state/UST components.
NMLS must indicate the applicant has taken and passed both the National and Delaware State components of the SAFE Test, or ... NMLS must indicate the applicant has taken and passed both the National and Stand-alone UST components of the SAFE Test, or ... NMLS must indicate the applicant has taken and passed the SAFE MLO National Test Component with Uniform State Content.
Official sourceLast verified Oct 25, 2026
Qualifications / BondProvide proof of surety bond coverage, individually or through the employer.
Provide proof of surety bond coverage, individually or through the employer.
Documentation that the applicant is covered by a surety bond, either from the applicant or through the employer.
Official sourceLast verified Oct 25, 2026
Fees / Application$250
250
As part of an application, the applicant shall pay to the Commissioner as an investigation fee the sum of $250 which shall not be refundable.
Official sourceLast verified Oct 25, 2026
Fees / License$250
250
The applicant shall also pay a license fee of $250, which shall be payable annually thereafter
Official sourceLast verified Oct 25, 2026
Fees / Renewal$250
250
The applicant shall also pay a license fee of $250, which shall be payable annually thereafter
Official sourceLast verified Oct 25, 2026
RenewalRenewal of mortgage loan originator licenses is through NMLS beginning November 1st each year. Applications to renew Delaware mortgage loan originator licenses must be submitted to NMLS no later than December 1st each year.
Renewal of mortgage loan originator licenses is through NMLS beginning November 1st each year. Applications to renew Delaware mortgage loan originator licenses must be submitted to NMLS no later than December 1st each year. Applies to: Delaware mortgage loan originator licenses
Renewal of mortgage loan originator licenses is through NMLS beginning November 1st each year. Applications to renew Delaware mortgage loan originator licenses must be submitted to NMLS no later than December 1st each year.
Official sourceLast verified Oct 25, 2026
Continuing education hours8 hours
8
a licensed mortgage loan originator shall complete at least 8 hours of education
Official sourceLast verified Oct 25, 2026
Agency guidanceIndividuals covered by the Delaware SAFE Act working for a licensed lender, mortgage loan broker, independent processor or manufactured housing finance company must apply through NMLS before conducting Delaware business.
Individuals covered by the Delaware SAFE Act working for a licensed lender, mortgage loan broker, independent processor or manufactured housing finance company must apply through NMLS before conducting Delaware business.
An individual who meets the definition of a mortgage loan originator or otherwise falls under the authority of the Delaware SAFE Act, and is employed by a licensed lender, mortgage loan broker, independent processor or manufactured housing finance company, must submit a license application to Delaware, through NMLS, before conducting Delaware business under the Act.
Official sourceLast verified Oct 25, 2026
Agency guidanceAn additional $500 supervisory assessment is billed each July and due no later than August 1; NMLS processing fees are separate.
An additional $500 supervisory assessment is billed each July and due no later than August 1; NMLS processing fees are separate.
A $500 supervisory assessment fee will be billed directly by the Office of the State Bank Commissioner each July, which is due no later than August 1st. NMLS charges an annual processing fee on a per license/per state basis.
Official sourceLast verified Oct 25, 2026
Agency guidanceLicenses expire December 31 each year.
Licenses expire December 31 each year.
Every license issued under this chapter shall expire on December 31 of each year.
Official sourceLast verified Oct 25, 2026