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

Quick answer

A mortgage license is required for the following license types: Mortgage Broker/Processor License, Mortgage Lender License, and Mortgage Loan Originator License.

Required hours

20 hours

View official source

Exam

Pass the SAFE Mortgage Loan Originator Test, National Component with Uniform State Content, at 75 or higher.

View official source

Renewal

The annual renewal period is between November 1 and December 1.

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

    Georgia Department of Banking and Finance

    Last verified Oct 25, 2026 — source and quotation
    Department of Banking and Finance
    Official source

    Official agency page

    Open the official agency page

    Last verified Oct 25, 2026 — source and quotation
    Department of Banking and Finance
    Official source
  2. Check your qualifications

    Required hours

    20 hours

    Last verified Oct 25, 2026 — source and quotation
    20 hours of pre-licensure education (PE) is required in order to be eligible for a Georgia MLO license.
    Official source

    Education

    Georgia has no state-specific pre-licensing education requirement.

    Last verified Oct 25, 2026 — source and quotation
    Georgia does not have any state specific requirements for pre-licensure education.
    Official source

    Exam

    Pass the SAFE Mortgage Loan Originator Test, National Component with Uniform State Content, at 75 or higher.

    Last verified Oct 25, 2026 — source and quotation
    A passing score of 75 or higher on the SAFE Mortgage Loan Originator Test - National Component with Uniform State Content is also required in order to be eligible for a Georgia MLO license.
    Official source
  3. Prepare your application

    Apply with the agency

    Open the official agency page

    Last verified Oct 25, 2026 — source and quotation
    All mortgage license applications must be made through the Nationwide Mortgage Licensing System & Registry (NMLS).
    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

A mortgage license is required for the following license types: Mortgage Broker/Processor License, Mortgage Lender License, and Mortgage Loan Originator License.

Last verified Oct 25, 2026 — source and quotation
A mortgage license is required for the following license types: Mortgage Broker/Processor License, Mortgage Lender License, and Mortgage Loan Originator License.
Official source

Agency guidance

Complete CE by October 31, except when initial Georgia licensure and PE completion occur in the same year.

Last verified Oct 25, 2026 — source and quotation
To renew your Georgia MLO license, eight (8) hours of continuing education (CE) is required by October 31, unless you completed your pre-licensure education (PE) course requirements in the same year in which your initial (first time ever licensed in Georgia) MLO license was approved and is being renewed.
Official source

Agency guidance

Late renewals run December 2–31 and may incur a fine; failure to submit a complete renewal by December 31 results in expiration.

Last verified Oct 25, 2026 — source and quotation
Late Renewals are permitted between December 2 and December 31, although a late fine may be assessed by the Department via an agency fee invoice in NMLS for any renewal requests made on or after December 2. Failure to submit a complete renewal application by December 31 will result in license expiration.
Official source

Agency guidance

Renewal instructions: https://dbf.georgia.gov/mb-brokers-lenders-and-originators/how-do-i-renew-my-mortgage-license

Last verified Oct 25, 2026 — source and quotation
All mortgage license renewal filings must be made through the Nationwide Mortgage Licensing System & Registry (NMLS).
Official source

When do I renew, and is CE required?

Renewal

The annual renewal period is between November 1 and December 1.

Last verified Oct 25, 2026 — source and quotation
The annual renewal period is between November 1 and December 1.
Official source

Continuing education hours

8 hours

Last verified Oct 25, 2026 — source and quotation
To renew your Georgia MLO license, eight (8) hours of continuing education (CE) is required by October 31, unless you completed your pre-licensure education (PE) course requirements in the same year in which your initial (first time ever licensed in Georgia) MLO license was approved and is being renewed.
Official source

Continuing education topics

Includes 1 hour of Georgia-specific education.

Last verified Oct 25, 2026 — source and quotation
One (1) hour of Georgia specific education is required for CE.
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

$200

Last verified Oct 25, 2026 — source and quotation
Mortgage Loan Originator License - $200 plus additional NMLS fees
Official source

Renewal fee

$200

Last verified Oct 25, 2026 — source and quotation
Mortgage Loan Originator License - $200 plus additional NMLS fees
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 Georgia?

The annual renewal period is between November 1 and December 1.

Source and quotation
The annual renewal period is between November 1 and December 1.
Official source

Last verified Oct 25, 2026

Which official sources support this guide?

Official sources and verification (15)

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

Board

Georgia Department of Banking and Finance

Georgia Department of Banking and Finance

Department of Banking and Finance
Official source

Last verified Oct 25, 2026

Official agency page

Open the official agency page

https://dbf.georgia.gov/mb-brokers-lenders-and-originators/how-do-i-apply-mortgage-license

Department of Banking and Finance
Official source

Last verified Oct 25, 2026

Apply with the agency

Open the official agency page

https://dbf.georgia.gov/mb-brokers-lenders-and-originators/how-do-i-apply-mortgage-license

All mortgage license applications must be made through the Nationwide Mortgage Licensing System & Registry (NMLS).
Official source

Last verified Oct 25, 2026

Qualifications / Required hours

20 hours

20

20 hours of pre-licensure education (PE) is required in order to be eligible for a Georgia MLO license.
Official source

Last verified Oct 25, 2026

Qualifications / Education

Georgia has no state-specific pre-licensing education requirement.

Georgia has no state-specific pre-licensing education requirement.

Georgia does not have any state specific requirements for pre-licensure education.
Official source

Last verified Oct 25, 2026

Qualifications / Exam

Pass the SAFE Mortgage Loan Originator Test, National Component with Uniform State Content, at 75 or higher.

Pass the SAFE Mortgage Loan Originator Test, National Component with Uniform State Content, at 75 or higher.

A passing score of 75 or higher on the SAFE Mortgage Loan Originator Test - National Component with Uniform State Content is also required in order to be eligible for a Georgia MLO license.
Official source

Last verified Oct 25, 2026

Fees / Application

$200

200

Mortgage Loan Originator License - $200 plus additional NMLS fees
Official source

Last verified Oct 25, 2026

Fees / Renewal

$200

200

Mortgage Loan Originator License - $200 plus additional NMLS fees
Official source

Last verified Oct 25, 2026

Renewal

The annual renewal period is between November 1 and December 1.

The annual renewal period is between November 1 and December 1. Applies to: Georgia MLO licenses

The annual renewal period is between November 1 and December 1.
Official source

Last verified Oct 25, 2026

Continuing education hours

8 hours

8

To renew your Georgia MLO license, eight (8) hours of continuing education (CE) is required by October 31, unless you completed your pre-licensure education (PE) course requirements in the same year in which your initial (first time ever licensed in Georgia) MLO license was approved and is being renewed.
Official source

Last verified Oct 25, 2026

Continuing education topics

Includes 1 hour of Georgia-specific education.

Includes 1 hour of Georgia-specific education.

One (1) hour of Georgia specific education is required for CE.
Official source

Last verified Oct 25, 2026

Agency guidance

A mortgage license is required for the following license types: Mortgage Broker/Processor License, Mortgage Lender License, and Mortgage Loan Originator License.

An MLO license is one of the mortgage licenses required by the Department; apply and renew through NMLS.

A mortgage license is required for the following license types: Mortgage Broker/Processor License, Mortgage Lender License, and Mortgage Loan Originator License.
Official source

Last verified Oct 25, 2026

Agency guidance

Complete CE by October 31, except when initial Georgia licensure and PE completion occur in the same year.

Complete CE by October 31, except when initial Georgia licensure and PE completion occur in the same year.

To renew your Georgia MLO license, eight (8) hours of continuing education (CE) is required by October 31, unless you completed your pre-licensure education (PE) course requirements in the same year in which your initial (first time ever licensed in Georgia) MLO license was approved and is being renewed.
Official source

Last verified Oct 25, 2026

Agency guidance

Late renewals run December 2–31 and may incur a fine; failure to submit a complete renewal by December 31 results in expiration.

Late renewals run December 2–31 and may incur a fine; failure to submit a complete renewal by December 31 results in expiration.

Late Renewals are permitted between December 2 and December 31, although a late fine may be assessed by the Department via an agency fee invoice in NMLS for any renewal requests made on or after December 2. Failure to submit a complete renewal application by December 31 will result in license expiration.
Official source

Last verified Oct 25, 2026

Agency guidance

Renewal instructions: https://dbf.georgia.gov/mb-brokers-lenders-and-originators/how-do-i-renew-my-mortgage-license

Renewal instructions: https://dbf.georgia.gov/mb-brokers-lenders-and-originators/how-do-i-renew-my-mortgage-license

All mortgage license renewal filings must be made through the Nationwide Mortgage Licensing System & Registry (NMLS).
Official source

Last verified Oct 25, 2026

Not yet verified: license fee — 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 Georgia

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.