How often do I renew a mortgage loan originator license in Iowa?
1-Dec
Source and quotation
Date Annual Renewal Due ... Mortgage Loan Originators 535D $52 3 $50 31-Dec $50 1-DecOfficial source
Last verified Oct 25, 2026
How to Get a Mortgage loan originator License in Iowa (2026)
Quick answer
State licensing and a valid NMLS identifier are required for mortgage origination involving Iowa dwellings or residential real estate, subject to statutory exemptions.
License fee
$50
Required hours
20 hours
Exam
Pass the required written test with at least 75% correct answers.
Renewal
1-Dec
Last verified Oct 25, 2026
How do I get this license?
Check the licensing authority
Board
Iowa Division of Banking
Official agency page
Last verified Oct 25, 2026 — source and quotation
The IDOB uses NMLS to regulate licenses.
Official sourceCheck your qualifications
Required hours
20 hours
Last verified Oct 25, 2026 — source and quotation
An applicant for licensure shall complete at least twenty hours of prelicensing education
Official sourceEducation
3 hours federal mortgage law and regulations; 3 hours ethics, including fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards
Last verified Oct 25, 2026 — source and quotation
Three hours of federal laws and regulations pertaining to residential mortgage loan origination. b. Three hours of ethics, which shall include instruction on fraud, consumer protection, and fair lending issues. c. Two hours of training related to lending standards for the nontraditional mortgage product marketplace.
Official sourceExam
Pass the required written test with at least 75% correct answers.
Last verified Oct 25, 2026 — source and quotation
An applicant shall not be considered to have passed a qualified written test unless the applicant achieves a test score of not less than seventy-five percent correct answers to questions.
Official sourcePrepare your application
Apply with the agency
Last verified Oct 25, 2026 — source and quotation
You can submit applications and amendments in NMLS to maintain your license.
Official sourceReciprocity
NMLS-approved prelicensing education for any state is accepted toward Iowa's education requirement.
Last verified Oct 25, 2026 — source and quotation
Prelicensing education requirements approved by the nationwide mortgage licensing system and registry for any state shall be accepted as credit towards completion of prelicensing education requirements in this state.
Official sourceConfirm 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
State licensing and a valid NMLS identifier are required for mortgage origination involving Iowa dwellings or residential real estate, subject to statutory exemptions.
Last verified Oct 25, 2026 — source and quotation
an individual shall not engage in the business of a mortgage loan originator with respect to any dwelling or residential real estate located in this state without first obtaining and maintaining annually a license under this chapter.Official source
Agency guidance
NMLS charges are additional to state license fees.
Last verified Oct 25, 2026 — source and quotation
All applicants, registrants, and licensees must pay fees charged by the NMLS to conduct activities through that system.Official source
When do I renew, and is CE required?
Renewal
1-Dec
Last verified Oct 25, 2026 — source and quotation
Date Annual Renewal Due ... Mortgage Loan Originators 535D $52 3 $50 31-Dec $50 1-DecOfficial source
Continuing education hours
8 hours
Last verified Oct 25, 2026 — source and quotation
A licensed mortgage loan originator shall annually complete at least eight hours of educationOfficial source
Continuing education topics
3 hours federal mortgage law and regulations; 2 hours ethics, including fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards
Last verified Oct 25, 2026 — source and quotation
Three hours of federal laws and regulations pertaining to residential mortgage loan origination. b. Two hours of ethics, which shall include instruction on fraud, consumer protection, and fair lending issues. c. Two hours of training related to lending standards for the nontraditional mortgage product marketplace.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
$50
Last verified Oct 25, 2026 — source and quotation
Mortgage Loan Originators 535D $52 3 $50 31-Dec $50 1-DecOfficial source
Renewal fee
$50
Last verified Oct 25, 2026 — source and quotation
Mortgage Loan Originators 535D $52 3 $50 31-Dec $50 1-DecOfficial source
Confirm the charges and conditions for your application with the official agency.
What are the common questions?
What is the mortgage loan originator license fee in Iowa?
$50
Source and quotation
Mortgage Loan Originators 535D $52 3 $50 31-Dec $50 1-DecOfficial source
Last verified Oct 25, 2026
Which official sources support this guide?
Official sources and verification (14)
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
Board
Iowa Division of Banking
Iowa Division of Banking
Division of BankingOfficial source
Last verified Oct 25, 2026
Official agency page
https://idob.iowa.gov/finance/finance-applications
The IDOB uses NMLS to regulate licenses.Official source
Last verified Oct 25, 2026
Qualifications / Required hours
20 hours
20
An applicant for licensure shall complete at least twenty hours of prelicensing educationOfficial source
Last verified Oct 25, 2026
Qualifications / Education
3 hours federal mortgage law and regulations; 3 hours ethics, including fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards
3 hours federal mortgage law and regulations; 3 hours ethics, including fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards
Three hours of federal laws and regulations pertaining to residential mortgage loan origination. b. Three hours of ethics, which shall include instruction on fraud, consumer protection, and fair lending issues. c. Two hours of training related to lending standards for the nontraditional mortgage product marketplace.Official source
Last verified Oct 25, 2026
Qualifications / Exam
Pass the required written test with at least 75% correct answers.
Pass the required written test with at least 75% correct answers.
An applicant shall not be considered to have passed a qualified written test unless the applicant achieves a test score of not less than seventy-five percent correct answers to questions.Official source
Last verified Oct 25, 2026
Agency guidance
State licensing and a valid NMLS identifier are required for mortgage origination involving Iowa dwellings or residential real estate, subject to statutory exemptions.
State licensing and a valid NMLS identifier are required for mortgage origination involving Iowa dwellings or residential real estate, subject to statutory exemptions.
an individual shall not engage in the business of a mortgage loan originator with respect to any dwelling or residential real estate located in this state without first obtaining and maintaining annually a license under this chapter.Official source
Last verified Oct 25, 2026
Agency guidance
NMLS charges are additional to state license fees.
NMLS charges are additional to state license fees.
All applicants, registrants, and licensees must pay fees charged by the NMLS to conduct activities through that system.Official source
Last verified Oct 25, 2026
Continuing education hours
8 hours
8
A licensed mortgage loan originator shall annually complete at least eight hours of educationOfficial source
Last verified Oct 25, 2026
Continuing education topics
3 hours federal mortgage law and regulations; 2 hours ethics, including fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards
3 hours federal mortgage law and regulations; 2 hours ethics, including fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards
Three hours of federal laws and regulations pertaining to residential mortgage loan origination. b. Two hours of ethics, which shall include instruction on fraud, consumer protection, and fair lending issues. c. Two hours of training related to lending standards for the nontraditional mortgage product marketplace.Official source
Last verified Oct 25, 2026
Reciprocity
NMLS-approved prelicensing education for any state is accepted toward Iowa's education requirement.
NMLS-approved prelicensing education for any state is accepted toward Iowa's education requirement.
Prelicensing education requirements approved by the nationwide mortgage licensing system and registry for any state shall be accepted as credit towards completion of prelicensing education requirements in this state.Official source
Last verified Oct 25, 2026
Apply with the agency
https://idob.iowa.gov/finance/finance-applications
You can submit applications and amendments in NMLS to maintain your license.Official source
Last verified Oct 25, 2026
Fees / License
$50
50
Mortgage Loan Originators 535D $52 3 $50 31-Dec $50 1-DecOfficial source
Last verified Oct 25, 2026
Fees / Renewal
$50
50
Mortgage Loan Originators 535D $52 3 $50 31-Dec $50 1-DecOfficial source
Last verified Oct 25, 2026
Renewal
1-Dec
1-Dec Applies to: Iowa mortgage loan originators: Date Annual Renewal Due; license expiration 31-Dec
Date Annual Renewal Due ... Mortgage Loan Originators 535D $52 3 $50 31-Dec $50 1-DecOfficial source
Last verified Oct 25, 2026
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Mortgage loan originator in neighboring states
Neighboring states use Census adjacency data, including water and point boundaries.
Related licenses in Iowa
Last verified Oct 25, 2026.
Official sources (3)
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