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

Hawaii Division of Financial Institutions, Department of Commerce and Consumer Affairs

Hawaii Division of Financial Institutions, Department of Commerce and Consumer Affairs

Division of Financial Institutions Department of Commerce and Consumer Affairs

Last verified Oct 25, 2026

Open the official agency page

https://www.cca.hawaii.gov/dfi/license-status/

Division of Financial Institutions Department of Commerce and Consumer Affairs

Last verified Oct 25, 2026

Open the official agency page

https://www.cca.hawaii.gov/dfi/license-status/

Every MLO, MLOC, and other person in this state that conducts mortgage loan origination activities for residential mortgage loans, unless specifically exempt, shall register with the NMLS.

Last verified Oct 25, 2026

20 hours

20

An applicant for licensure as a mortgage loan originator shall complete at least twenty hours of pre-licensing education

Last verified Oct 25, 2026

Includes 3 hours federal law, 3 hours Hawaii law, 3 hours ethics and 2 hours nontraditional mortgage lending.

Includes 3 hours federal law, 3 hours Hawaii law, 3 hours ethics and 2 hours nontraditional mortgage lending.

(1) Three hours of federal law and regulations and three hours of the State's law and rules; (2) Three 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.

Last verified Oct 25, 2026

No bond; licensees contribute to the Mortgage Loan Recovery Fund.

No bond; licensees contribute to the Mortgage Loan Recovery Fund.

Under Chapter 454F, bonding is no longer required. Instead, licensees will contribute, through annual fees, to fund the Mortgage Loan Recovery Fund.

Last verified Oct 25, 2026

8 hours

8

Each year, a licensed mortgage loan originator shall complete at least eight hours of education

Last verified Oct 25, 2026

3 hours federal law; 1 hour Hawaii law; 2 hours ethics; 2 hours nontraditional mortgage lending.

3 hours federal law; 1 hour Hawaii law; 2 hours ethics; 2 hours nontraditional mortgage lending.

(1) Three hours of federal law and regulations; (2) One hour of the State's law and rules; (3) Two hours of ethics that shall include instruction on fraud, consumer protection, and fair lending issues; and (4) Two hours of training related to lending standards for the nontraditional mortgage product marketplace.

Last verified Oct 25, 2026

Education credit only: qualifying NMLS-approved CE from another state is accepted.

Education credit only: qualifying NMLS-approved CE from another state is accepted.

Continuing education courses as described in subsection (a) and approved by NMLS for any state, that are successfully completed by a licensed mortgage loan originator, shall be accepted as credit towards completion of continuing education requirements in this State.

Last verified Oct 25, 2026

Unless exempt under Chapter 454F, a person conducting MLO business on Hawaii residential property must obtain and maintain an annual license.

Unless exempt under Chapter 454F, a person conducting MLO business on Hawaii residential property must obtain and maintain an annual license.

From January 1, 2011, a person, unless specifically exempted by Chapter 454F, HRS, shall not engage in the business of an MLO or MLOC with respect to a residential mortgage loan on any dwelling located in this state without first obtaining and maintaining annually, a license under Chapter 454F.

Last verified Oct 25, 2026

Standard individual MLO application fee: $600; annual renewal: $350. Sole-proprietorship MLO application and annual renewal fees are $35 each.

Standard individual MLO application fee: $600; annual renewal: $350. Sole-proprietorship MLO application and annual renewal fees are $35 each.

(a) Except as provided in subsection (b), a mortgage loan originator shall pay the following fees to obtain and maintain a valid mortgage loan originator license: (1) Initial application fee of $600; (2) Annual license renewal fee of $350; ... (b) A sole proprietorship mortgage loan originator shall pay the following fees to obtain and maintain a valid sole proprietor mortgage loan originator license: (1) Initial application fee of $35; (2) Annual license renewal fee of $35;

Last verified Oct 25, 2026

Separate MLO recovery-fund contributions are $200 initially and $100 at renewal.

Separate MLO recovery-fund contributions are $200 initially and $100 at renewal.

MLO: $200 upon initial licensure and $100 upon license renewal.

Last verified Oct 25, 2026