The education and renewal fields describe the DFI pathway; the sponsoring employer's license determines DFI versus Secretary of State licensing.
20 hours
DFI pathway: pass an approved national/legacy test option with a 75% passing score.
The DFI MLO license must be renewed between November 1 and December 31 of each year.
8 hours
Last verified Oct 25, 2026
Indiana Department of Financial Institutions or Secretary of State, depending on employer
MLOs may obtain a license through the Indiana Department of Financial Institutions (DFI) or the Indiana Secretary of State (SOS), depending on the license held by their sponsoring employer.Official source
MLOs may obtain a license through the Indiana Department of Financial Institutions (DFI) or the Indiana Secretary of State (SOS), depending on the license held by their sponsoring employer.Official source
20 hours
Complete at least 20 hours of NMLS-approved PE.Official source
DFI pathway: PE may be online or in person and need not be Indiana-specific.
The courses may be online or in person. Courses are not required to be specific to Indiana.Official source
DFI pathway: pass an approved national/legacy test option with a 75% passing score.
The test(s) must be administered by a test provider approved by NMLS. ... The Passing score is 75%.Official source
The application process for either license is completed in NMLS.Official source
Review the official instructions for your situation before applying.
Open the official agency pageThe education and renewal fields describe the DFI pathway; the sponsoring employer's license determines DFI versus Secretary of State licensing.
MLOs may obtain a license through the Indiana Department of Financial Institutions (DFI) or the Indiana Secretary of State (SOS), depending on the license held by their sponsoring employer.Official source
A license is required for mortgage loan origination activities in Indiana.
A license is required for an MLO to engage in mortgage loan origination business activities in Indiana, as defined by Indiana statute.Official source
DFI MLOs must be W-2 employees of their sponsor; independent contractors compensated on a 1099 are ineligible for sponsorship.
The MLO must be a W-2 employee of the sponsor. Independent contractors and other persons compensated by way of a 1099 are not currently eligible for sponsorship.Official source
Secretary of State pathway: apply through NMLS on form MU4; the initial filing fee is $50.
The individual must apply through NMLS by submitting the Individual (MU4) Form Filing. The non-refundable initial filing fee is fifty dollars ($50) and is paid through NMLS.Official source
Secretary of State pathway: licenses expire December 31; submit renewals 30 days before expiration.
Approved licenses expire on December 31. ... Renewals must be timely submitted thirty (30) days prior to the expiration of the license.Official source
Secretary of State pathway: renewal requires 8 hours of NMLS-approved continuing education.
The individual must meet the continuing education requirements outlined at Ind. Code § 23-2.5-6. This includes eight (8) hours of NMLS approved education.Official source
The DFI MLO license must be renewed between November 1 and December 31 of each year.
The DFI MLO license must be renewed between November 1 and December 31 of each year.Official source
8 hours
Completion of annual CE requirements (8 hours of NMLS-approved CE per year).Official source
Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.
DFI sponsor's surety bond must cover its sponsored MLOs.
The sponsor’s surety bond must provide coverage for its sponsored MLOs.Official source
Confirm the charges and conditions for your application with the official agency.
The DFI MLO license must be renewed between November 1 and December 31 of each year.
The DFI MLO license must be renewed between November 1 and December 31 of each year.Official source
Last verified Oct 25, 2026
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
Indiana Department of Financial Institutions or Secretary of State, depending on employer
Indiana Department of Financial Institutions or Secretary of State, depending on employer
MLOs may obtain a license through the Indiana Department of Financial Institutions (DFI) or the Indiana Secretary of State (SOS), depending on the license held by their sponsoring employer.Official source
Last verified Oct 25, 2026
https://www.in.gov/dfi/licensing-and-applications/consumer-credit-licensing/mlo-faq/
MLOs may obtain a license through the Indiana Department of Financial Institutions (DFI) or the Indiana Secretary of State (SOS), depending on the license held by their sponsoring employer.Official source
Last verified Oct 25, 2026
https://www.in.gov/dfi/licensing-and-applications/consumer-credit-licensing/mlo-faq/
The application process for either license is completed in NMLS.Official source
Last verified Oct 25, 2026
20 hours
20
Complete at least 20 hours of NMLS-approved PE.Official source
Last verified Oct 25, 2026
DFI pathway: PE may be online or in person and need not be Indiana-specific.
DFI pathway: PE may be online or in person and need not be Indiana-specific.
The courses may be online or in person. Courses are not required to be specific to Indiana.Official source
Last verified Oct 25, 2026
DFI pathway: pass an approved national/legacy test option with a 75% passing score.
DFI pathway: pass an approved national/legacy test option with a 75% passing score.
The test(s) must be administered by a test provider approved by NMLS. ... The Passing score is 75%.Official source
Last verified Oct 25, 2026
DFI sponsor's surety bond must cover its sponsored MLOs.
DFI sponsor's surety bond must cover its sponsored MLOs.
The sponsor’s surety bond must provide coverage for its sponsored MLOs.Official source
Last verified Oct 25, 2026
The DFI MLO license must be renewed between November 1 and December 31 of each year.
The DFI MLO license must be renewed between November 1 and December 31 of each year. Applies to: Indiana DFI MLO licenses
The DFI MLO license must be renewed between November 1 and December 31 of each year.Official source
Last verified Oct 25, 2026
8 hours
8
Completion of annual CE requirements (8 hours of NMLS-approved CE per year).Official source
Last verified Oct 25, 2026
The education and renewal fields describe the DFI pathway; the sponsoring employer's license determines DFI versus Secretary of State licensing.
The education and renewal fields describe the DFI pathway; the sponsoring employer's license determines DFI versus Secretary of State licensing.
MLOs may obtain a license through the Indiana Department of Financial Institutions (DFI) or the Indiana Secretary of State (SOS), depending on the license held by their sponsoring employer.Official source
Last verified Oct 25, 2026
A license is required for mortgage loan origination activities in Indiana.
A license is required for mortgage loan origination activities in Indiana.
A license is required for an MLO to engage in mortgage loan origination business activities in Indiana, as defined by Indiana statute.Official source
Last verified Oct 25, 2026
DFI MLOs must be W-2 employees of their sponsor; independent contractors compensated on a 1099 are ineligible for sponsorship.
DFI MLOs must be W-2 employees of their sponsor; independent contractors compensated on a 1099 are ineligible for sponsorship.
The MLO must be a W-2 employee of the sponsor. Independent contractors and other persons compensated by way of a 1099 are not currently eligible for sponsorship.Official source
Last verified Oct 25, 2026
Secretary of State pathway: apply through NMLS on form MU4; the initial filing fee is $50.
Secretary of State pathway: apply through NMLS on form MU4; the initial filing fee is $50.
The individual must apply through NMLS by submitting the Individual (MU4) Form Filing. The non-refundable initial filing fee is fifty dollars ($50) and is paid through NMLS.Official source
Last verified Oct 25, 2026
Secretary of State pathway: licenses expire December 31; submit renewals 30 days before expiration.
Secretary of State pathway: licenses expire December 31; submit renewals 30 days before expiration.
Approved licenses expire on December 31. ... Renewals must be timely submitted thirty (30) days prior to the expiration of the license.Official source
Last verified Oct 25, 2026
Secretary of State pathway: renewal requires 8 hours of NMLS-approved continuing education.
Secretary of State pathway: renewal requires 8 hours of NMLS-approved continuing education.
The individual must meet the continuing education requirements outlined at Ind. Code § 23-2.5-6. This includes eight (8) hours of NMLS approved education.Official source
Last verified Oct 25, 2026
Not yet verified: license fee — see the official agency.
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Last verified Oct 25, 2026.
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