How to Get a Mortgage loan originator License in New Jersey (2026)
Quick answer
A license is required for an individual who, for compensation or gain or its expectation, takes a residential mortgage loan application or offers or negotiates residential mortgage loan terms.
Required hours
20 hours
Continuing education
12 hours
Last verified Oct 25, 2026
How do I get this license?
Check the licensing authority
Board
New Jersey Department of Banking and Insurance, Licensing Services Bureau
Last verified Oct 25, 2026 — source and quotation
Contact NJ Department of Banking & Insurance, Licensing Services Bureau
Official sourceOfficial agency page
Last verified Oct 25, 2026 — source and quotation
Contact NJ Department of Banking & Insurance, Licensing Services Bureau
Official sourceCheck your qualifications
Required hours
20 hours
Last verified Oct 25, 2026 — source and quotation
Completion of 20 hours of NMLS approved pre-licensure education, including 4 hours of New Jersey specific education
Official sourceEducation
The 20 pre-licensure hours include 4 hours of New Jersey-specific education.
Last verified Oct 25, 2026 — source and quotation
Completion of 20 hours of NMLS approved pre-licensure education, including 4 hours of New Jersey specific education
Official sourcePrepare your application
Apply with the agency
Last verified Oct 25, 2026 — source and quotation
Applications are accepted through the Nationwide Multistate Licensing System
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
A license is required for an individual who, for compensation or gain or its expectation, takes a residential mortgage loan application or offers or negotiates residential mortgage loan terms.
Last verified Oct 25, 2026 — source and quotation
This license is required for any natural person who for compensation or gain, or in expectation of compensation or gain, either directly or indirectly takes a residential mortgage loan application, or offers or negotiates terms of a residential mortgage loan.Official source
Agency guidance
Employment must be with one New Jersey-licensed residential lender, correspondent lender or mortgage broker.
Last verified Oct 25, 2026 — source and quotation
A mortgage loan originator must be employed by one, and not more than one, licensed New Jersey Residential Mortgage Lender, Correspondent Residential Mortgage Lender, or Residential Mortgage Broker.Official source
Agency guidance
FBI and New Jersey criminal-history checks and NMLS credit-report authorization are required.
Last verified Oct 25, 2026 — source and quotation
Submission through the NMLS of fingerprints for the completion of a criminal history background check by the FBI Completion of a State criminal history background check through the processes established in New Jersey for a New Jersey State Police check Authorization through the NMLS for the obtaining of a credit report on the applicantOfficial source
When do I renew, and is CE required?
Continuing education hours
12 hours
Last verified Oct 25, 2026 — source and quotation
An applicant for a renewal of a license as a mortgage loan originator or a qualified individual licensee, shall complete, as a requirement for the license renewal, at least 12 hours of educationOfficial source
Continuing education topics
3 hours federal statutes and regulations; 2 hours ethics including fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards; 2 hours New Jersey residential mortgage lending laws and regulations
Last verified Oct 25, 2026 — source and quotation
(1) 3 hours of instruction on federal statutes and regulations; (2) 2 hours of instruction on ethics, including instruction on fraud, consumer protection, and fair lending issues; (3) 2 hours of training related to lending standards for the nontraditional mortgage product marketplace; and (4) 2 hours of instruction related to New Jersey laws and regulations on residential mortgage lending.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?
Application fee
$150
Last verified Oct 25, 2026 — source and quotation
New Jersey Application fees: NMLS Processing fees: … Mortgage Loan Originator $150 $30Official source
Confirm the charges and conditions for your application with the official agency.
Which official sources support this guide?
Official sources and verification (11)
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
New Jersey Department of Banking and Insurance, Licensing Services Bureau
New Jersey Department of Banking and Insurance, Licensing Services Bureau
Contact NJ Department of Banking & Insurance, Licensing Services BureauOfficial source
Last verified Oct 25, 2026
https://www.nj.gov/dobi/banklicensing/liclend_newapps.html
Contact NJ Department of Banking & Insurance, Licensing Services BureauOfficial source
Last verified Oct 25, 2026
https://www.nj.gov/dobi/banklicensing/liclend_newapps.html
Applications are accepted through the Nationwide Multistate Licensing SystemOfficial source
Last verified Oct 25, 2026
20 hours
20
Completion of 20 hours of NMLS approved pre-licensure education, including 4 hours of New Jersey specific educationOfficial source
Last verified Oct 25, 2026
The 20 pre-licensure hours include 4 hours of New Jersey-specific education.
The 20 pre-licensure hours include 4 hours of New Jersey-specific education.
Completion of 20 hours of NMLS approved pre-licensure education, including 4 hours of New Jersey specific educationOfficial source
Last verified Oct 25, 2026
$150
150
New Jersey Application fees: NMLS Processing fees: … Mortgage Loan Originator $150 $30Official source
Last verified Oct 25, 2026
A license is required for an individual who, for compensation or gain or its expectation, takes a residential mortgage loan application or offers or negotiates residential mortgage loan terms.
A license is required for an individual who, for compensation or gain or its expectation, takes a residential mortgage loan application or offers or negotiates residential mortgage loan terms.
This license is required for any natural person who for compensation or gain, or in expectation of compensation or gain, either directly or indirectly takes a residential mortgage loan application, or offers or negotiates terms of a residential mortgage loan.Official source
Last verified Oct 25, 2026
Employment must be with one New Jersey-licensed residential lender, correspondent lender or mortgage broker.
Employment must be with one New Jersey-licensed residential lender, correspondent lender or mortgage broker.
A mortgage loan originator must be employed by one, and not more than one, licensed New Jersey Residential Mortgage Lender, Correspondent Residential Mortgage Lender, or Residential Mortgage Broker.Official source
Last verified Oct 25, 2026
FBI and New Jersey criminal-history checks and NMLS credit-report authorization are required.
FBI and New Jersey criminal-history checks and NMLS credit-report authorization are required.
Submission through the NMLS of fingerprints for the completion of a criminal history background check by the FBI Completion of a State criminal history background check through the processes established in New Jersey for a New Jersey State Police check Authorization through the NMLS for the obtaining of a credit report on the applicantOfficial source
Last verified Oct 25, 2026
12 hours
12
An applicant for a renewal of a license as a mortgage loan originator or a qualified individual licensee, shall complete, as a requirement for the license renewal, at least 12 hours of educationOfficial source
Last verified Oct 25, 2026
3 hours federal statutes and regulations; 2 hours ethics including fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards; 2 hours New Jersey residential mortgage lending laws and regulations
3 hours federal statutes and regulations; 2 hours ethics including fraud, consumer protection and fair lending; 2 hours nontraditional mortgage lending standards; 2 hours New Jersey residential mortgage lending laws and regulations
(1) 3 hours of instruction on federal statutes and regulations; (2) 2 hours of instruction on ethics, including instruction on fraud, consumer protection, and fair lending issues; (3) 2 hours of training related to lending standards for the nontraditional mortgage product marketplace; and (4) 2 hours of instruction related to New Jersey laws and regulations on residential mortgage lending.Official source
Last verified Oct 25, 2026
Not yet verified: license fee, exam, renewal — see the official agency.
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What should I explore next?
Mortgage loan originator in neighboring states
Neighboring states use Census adjacency data, including water and point boundaries.
Related licenses in New Jersey
Last verified Oct 25, 2026.
Official sources (3)
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