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

Massachusetts Division of Banks

Massachusetts Division of Banks

Division of Banks

Last verified Oct 25, 2026

Open the official agency page

https://www.mass.gov/how-to/apply-for-a-mortgage-loan-originator-license

Division of Banks

Last verified Oct 25, 2026

20 hours

20

you must complete 20 hours of NMLS approved pre-license education courses, which must include 3 hours of Massachusetts content.

Last verified Oct 25, 2026

NMLS-approved pre-license education must include 3 hours of Massachusetts content.

NMLS-approved pre-license education must include 3 hours of Massachusetts content.

you must complete 20 hours of NMLS approved pre-license education courses, which must include 3 hours of Massachusetts content.

Last verified Oct 25, 2026

Pass the National Test with Uniform State Content.

Pass the National Test with Uniform State Content.

You must also achieve a passing score the National Test with Uniform State Content

Last verified Oct 25, 2026

A license is needed to take residential mortgage applications or offer or negotiate mortgage terms for compensation or expected gain.

A license is needed to take residential mortgage applications or offer or negotiate mortgage terms for compensation or expected gain.

A Mortgage Loan Originator (MLO) license is needed by anyone who for compensation or gain, or in the expectation of compensation or gain, takes a residential mortgage loan application or offers or negotiates the terms of a residential mortgage.

Last verified Oct 25, 2026

The application investigation fee and license fee are separate; NMLS processing, credit report and FBI background-check fees are additional.

The application investigation fee and license fee are separate; NMLS processing, credit report and FBI background-check fees are additional.

NMLS Initial Processing Fee $35 per license MA License Fee $500 per license MA Investigation Fee $115 per license Credit Report Fee $15 per license FBI Criminal Background Check Fee $36.25 per license

Last verified Oct 25, 2026

Submit a complete renewal application through NMLS.

Submit a complete renewal application through NMLS.

Timely submission of a complete application for renewal, in the form and manner established under the NMLS.

Last verified Oct 25, 2026

Open the official agency page

https://www.mass.gov/how-to/apply-for-a-mortgage-loan-originator-license

All MLO license applications are submitted online using the NMLS.

Last verified Oct 25, 2026

$500

500

MA License Fee $500 per license

Last verified Oct 25, 2026

$115

115

MA Investigation Fee $115 per license

Last verified Oct 25, 2026

8 hours

8

A Licensee shall, annually, complete a minimum of eight hours of continuing education approved by the NMLS

Last verified Oct 25, 2026

3 hours federal law and regulation; 2 hours ethics, including fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards; 1 hour Massachusetts law and regulation

3 hours federal law and regulation; 2 hours ethics, including fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards; 1 hour Massachusetts law and regulation

three hours of federal law and regulation; (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; and (d) one hour of Massachusetts state law and regulation

Last verified Oct 25, 2026

The license of a Mortgage Loan Originator must not be transferable or assignable and must be valid for a period of not more than one year, with an expiration date of December 31st of each year.

The license of a Mortgage Loan Originator shall not be transferable or assignable and shall be valid for a period of not more than one year, with an expiration date of December 31st of each year. Applies to: Massachusetts MLO annual license expiration

The license of a Mortgage Loan Originator shall not be transferable or assignable and shall be valid for a period of not more than one year, with an expiration date of December 31st of each year.

Last verified Oct 25, 2026