Residential mortgage originators need a license, including mortgage-broker owners who interact with consumers on applications; depository-institution employees are exempt.
20 hours
Pass the NMLS National Test Component with Uniform State Content.
If your application is not approved by Dec. 31, your license will expire and you will be inactive on Jan 1.
8 hours
Last verified Oct 25, 2026
Missouri Division of Finance
20 hours
Mortgage loan originators shall satisfy a prelicensing education requirement through approved education courses of at least twenty hoursOfficial 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 licensing.Official source
Visit our forms and requirements page for application forms and details.Official source
NMLS-approved federal-law, ethics and nontraditional-mortgage prelicensing education from another state is accepted toward Missouri's requirement.
The prelicensing education requirements approved by the NMLSR in subdivisions (1) to (3) of subsection 1 of this section for any state shall be accepted as credit towards completion of prelicensing education requirements in Missouri.Official source
Review the official instructions for your situation before applying.
Open the official agency pageResidential mortgage originators need a license, including mortgage-broker owners who interact with consumers on applications; depository-institution employees are exempt.
a license is required for all residential mortgage originators. This includes owners of mortgage broker companies if they interact with consumers in processing mortgage applications. Originators employed by depository institutions are exempt.Official source
An MLO must be employed by a licensed company to maintain licensure.
an MLO must be employed by a licensed company to maintain licensure.Official source
Renewal requires a new credit report and criminal background check through NMLS.
all renewal applicants will have to authorize a new credit report and criminal background check through NMLS as part of Missouri's renewal process.Official source
If your application is not approved by Dec. 31, your license will expire and you will be inactive on Jan 1.
If your application is not approved by Dec. 31, your license will expire and you will be inactive on Jan 1.Official source
8 hours
Eight hours of continuing education (CE) are required to be completed each year you wish to renew your license.Official source
At least 1 of the 8 annual CE hours must be Missouri-specific.
One of the eight hours of CE is required to be Missouri specific CE.Official source
Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.
Confirm the charges and conditions for your application with the official agency.
If your application is not approved by Dec. 31, your license will expire and you will be inactive on Jan 1.
If your application is not approved by Dec. 31, your license will expire and you will be inactive on Jan 1.Official source
Last verified Oct 25, 2026
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
Missouri Division of Finance
Missouri Division of Finance
Missouri Division of FinanceOfficial source
Last verified Oct 25, 2026
https://finance.mo.gov/mortgage-licensing
Missouri Division of FinanceOfficial source
Last verified Oct 25, 2026
20 hours
20
Mortgage loan originators shall satisfy a prelicensing education requirement through approved education courses of at least twenty hoursOfficial 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 licensing.Official source
Last verified Oct 25, 2026
Residential mortgage originators need a license, including mortgage-broker owners who interact with consumers on applications; depository-institution employees are exempt.
Residential mortgage originators need a license, including mortgage-broker owners who interact with consumers on applications; depository-institution employees are exempt.
a license is required for all residential mortgage originators. This includes owners of mortgage broker companies if they interact with consumers in processing mortgage applications. Originators employed by depository institutions are exempt.Official source
Last verified Oct 25, 2026
An MLO must be employed by a licensed company to maintain licensure.
An MLO must be employed by a licensed company to maintain licensure.
an MLO must be employed by a licensed company to maintain licensure.Official source
Last verified Oct 25, 2026
Renewal requires a new credit report and criminal background check through NMLS.
Renewal requires a new credit report and criminal background check through NMLS.
all renewal applicants will have to authorize a new credit report and criminal background check through NMLS as part of Missouri's renewal process.Official source
Last verified Oct 25, 2026
https://finance.mo.gov/mortgage-licensing
Visit our forms and requirements page for application forms and details.Official source
Last verified Oct 25, 2026
8 hours
8
Eight hours of continuing education (CE) are required to be completed each year you wish to renew your license.Official source
Last verified Oct 25, 2026
At least 1 of the 8 annual CE hours must be Missouri-specific.
At least 1 of the 8 annual CE hours must be Missouri-specific.
One of the eight hours of CE is required to be Missouri specific CE.Official source
Last verified Oct 25, 2026
NMLS-approved federal-law, ethics and nontraditional-mortgage prelicensing education from another state is accepted toward Missouri's requirement.
NMLS-approved federal-law, ethics and nontraditional-mortgage prelicensing education from another state is accepted toward Missouri's requirement.
The prelicensing education requirements approved by the NMLSR in subdivisions (1) to (3) of subsection 1 of this section for any state shall be accepted as credit towards completion of prelicensing education requirements in Missouri.Official source
Last verified Oct 25, 2026
If your application is not approved by Dec. 31, your license will expire and you will be inactive on Jan 1.
If your application is not approved by Dec. 31, your license will expire and you will be inactive on Jan 1. Applies to: Missouri MLO renewal approval, not merely application submission
If your application is not approved by Dec. 31, your license will expire and you will be inactive on Jan 1.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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