MLO employees of exempt entities identified in section 58A.02 subdivision 12(1) register through NMLS instead of holding a state license.
$90
20 hours
Pass the NMLS National Test Component with Uniform State Content.
Licenses for mortgage loan originators issued under this chapter expire on December 31 and are renewable on January 1 of each year after that date.
Last verified Oct 25, 2026
Minnesota Department of Commerce
20 hours
a person shall complete at least 20 hours of educationOfficial source
Pass the NMLS National Test Component with Uniform State Content.
designated as the NMLSR's National Test Component with Uniform State Content for Mortgage Loan Originator LicensingOfficial source
The steps for registration and licensure are outlined on the NMLS website.Official source
NMLS-approved prelicensing education for another state is accepted toward Minnesota's education requirement.
The prelicensing education requirements approved by the Nationwide Multistate Licensing System and Registry in subdivision 1 for a state must be accepted as credit toward completion of prelicensing education requirements in Minnesota.Official source
Review the official instructions for your situation before applying.
Open the official agency pageMLO employees of exempt entities identified in section 58A.02 subdivision 12(1) register through NMLS instead of holding a state license.
Mortgage Loan Originators (MLOs) who are employees of an exempt entity as defined in Minnesota Statute 58A.02, subd. 12(1) are not required to maintain a license through the State of Minnesota but must register through NMLS.Official source
MLOs employed by chapter 53 industrial loan and thrift companies or chapter 56 regulated lenders must hold state licenses.
MLOs employed with an industrial loan and thrift company, as licensed under Minnesota Statute §53, or regulated lenders under Minnesota Statute §56, are NOT exempt and MUST hold licensure through the state.Official source
Licenses for mortgage loan originators issued under this chapter expire on December 31 and are renewable on January 1 of each year after that date.
Licenses for mortgage loan originators issued under this chapter expire on December 31 and are renewable on January 1 of each year after that date.Official source
8 hours
a licensed mortgage loan originator shall complete at least eight hours of educationOfficial source
3 hours federal law and regulations; 2 hours ethics, fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards; 1 hour Minnesota law and rules
three hours of federal law and regulations; (2) two hours of ethics, which includes instruction on fraud, consumer protection, and fair lending issues; (3) two hours of training related to lending standards for the nontraditional mortgage product marketplace; and (4) one hour of Minnesota state law and rules.Official source
Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.
$90
for a mortgage loan originator license, $90Official source
$50
for a renewal mortgage loan originator license, $50Official source
Confirm the charges and conditions for your application with the official agency.
Licenses for mortgage loan originators issued under this chapter expire on December 31 and are renewable on January 1 of each year after that date.
Licenses for mortgage loan originators issued under this chapter expire on December 31 and are renewable on January 1 of each year after that date.Official source
Last verified Oct 25, 2026
$90
for a mortgage loan originator license, $90Official source
Last verified Oct 25, 2026
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
Minnesota Department of Commerce
Minnesota Department of Commerce
Minnesota Department of CommerceOfficial source
Last verified Oct 25, 2026
https://mn.gov/commerce/licensing/list/financial-institutions/mortgage/
Minnesota Department of CommerceOfficial source
Last verified Oct 25, 2026
20 hours
20
a person shall complete at least 20 hours of educationOfficial source
Last verified Oct 25, 2026
Pass the NMLS National Test Component with Uniform State Content.
Pass the NMLS National Test Component with Uniform State Content.
designated as the NMLSR's National Test Component with Uniform State Content for Mortgage Loan Originator LicensingOfficial source
Last verified Oct 25, 2026
MLO employees of exempt entities identified in section 58A.02 subdivision 12(1) register through NMLS instead of holding a state license.
MLO employees of exempt entities identified in section 58A.02 subdivision 12(1) register through NMLS instead of holding a state license.
Mortgage Loan Originators (MLOs) who are employees of an exempt entity as defined in Minnesota Statute 58A.02, subd. 12(1) are not required to maintain a license through the State of Minnesota but must register through NMLS.Official source
Last verified Oct 25, 2026
MLOs employed by chapter 53 industrial loan and thrift companies or chapter 56 regulated lenders must hold state licenses.
MLOs employed by chapter 53 industrial loan and thrift companies or chapter 56 regulated lenders must hold state licenses.
MLOs employed with an industrial loan and thrift company, as licensed under Minnesota Statute §53, or regulated lenders under Minnesota Statute §56, are NOT exempt and MUST hold licensure through the state.Official source
Last verified Oct 25, 2026
https://mn.gov/commerce/licensing/list/financial-institutions/mortgage/
The steps for registration and licensure are outlined on the NMLS website.Official source
Last verified Oct 25, 2026
$90
90
for a mortgage loan originator license, $90Official source
Last verified Oct 25, 2026
$50
50
for a renewal mortgage loan originator license, $50Official source
Last verified Oct 25, 2026
8 hours
8
a licensed mortgage loan originator shall complete at least eight hours of educationOfficial source
Last verified Oct 25, 2026
3 hours federal law and regulations; 2 hours ethics, fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards; 1 hour Minnesota law and rules
3 hours federal law and regulations; 2 hours ethics, fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards; 1 hour Minnesota law and rules
three hours of federal law and regulations; (2) two hours of ethics, which includes instruction on fraud, consumer protection, and fair lending issues; (3) two hours of training related to lending standards for the nontraditional mortgage product marketplace; and (4) one hour of Minnesota state law and rules.Official source
Last verified Oct 25, 2026
NMLS-approved prelicensing education for another state is accepted toward Minnesota's education requirement.
NMLS-approved prelicensing education for another state is accepted toward Minnesota's education requirement.
The prelicensing education requirements approved by the Nationwide Multistate Licensing System and Registry in subdivision 1 for a state must be accepted as credit toward completion of prelicensing education requirements in Minnesota.Official source
Last verified Oct 25, 2026
Licenses for mortgage loan originators issued under this chapter expire on December 31 and are renewable on January 1 of each year after that date.
Licenses for mortgage loan originators issued under this chapter expire on December 31 and are renewable on January 1 of each year after that date. Applies to: Minnesota individual MLO expiration and renewal cycle
Licenses for mortgage loan originators issued under this chapter expire on December 31 and are renewable on January 1 of each year after that date.Official source
Last verified Oct 25, 2026
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Last verified Oct 25, 2026.
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