MLOs include individuals who take applications or offer or negotiate residential mortgage terms for compensation or gain; the agency lists additional covered activities and exemptions.
24 hours
Pass the test required by N.C.G.S. §53-244.080 within the five years before application, with statutory credit for qualifying existing licensees or registrants.
Annual Renewal Period (November 1 – December 31):
8 hours
Last verified Oct 25, 2026
North Carolina Office of the Commissioner of Banks
State of North Carolina OFFICE OF THE COMMISSIONER OF BANKS Mortgage Fee ScheduleOfficial source
The “North Carolina Secure and Fair Enforcement (S.A.F.E.) Mortgage Licensing Act”, codified in NCGS Chapter 53, Article 19B , requires any person engaged in the business of making or brokering residential mortgage loans to be licensed, unless an exemption applies, pursuant to NCGS § 53-244.040(d) .Official source
24 hours
at least 24 hours of pre-licensing education in a classroom or classroom equivalent setting and approved by NMLSOfficial source
Includes 4 hours of North Carolina statutes and regulations; education generally must be completed within the three years immediately preceding application.
within the three years* immediately preceding the date of application, at least 24 hours of pre-licensing education in a classroom or classroom equivalent setting and approved by NMLS including: Three hours of federal statutes and regulations; Three hours of ethics, including instruction on fraud, consumer protection, and fair lending issues; Two hours of training related to lending standards for nontraditional mortgage products; and Four hours of North Carolina statutes and regulations.Official source
Pass the test required by N.C.G.S. §53-244.080 within the five years before application, with statutory credit for qualifying existing licensees or registrants.
Applicants for a mortgage loan originator license must have passed, within the five years immediately preceding the date of application, the test required under N.C.G.S. §53-244.080. However, an individual applicant holding a valid mortgage loan originator license in any other state or territory or a registered mortgage loan originator shall receive credit for the passage of the test under N.C.G.S. §53-244.080, except as otherwise provided in N.C.G.S. §53-244.080(e).Official source
All mortgage renewal applications must be submitted via the Nationwide Mortgage Licensing System .Official source
Education credit: a valid MLO license in another state or territory and completion of the previous year's required CE qualify for 20 hours of credit; North Carolina's 4 state-law hours remain required.
An individual applicant holding a valid mortgage loan originator license in any other state or territory shall receive credit for 20 hours of education completed under N.C.G.S. 53-244.070(e) if the individual has completed all required continuing education for the preceding year. N.C.G.S. 53-244.070(e) states, “… the applicant shall be given credit for those hours toward the completion of the prelicensing requirements in this State, other than the hours required under subdivision (a)(4) of this section.” Subdivision (a)(4) requires four hours of North Carolina statute and rules.Official source
Review the official instructions for your situation before applying.
Open the official agency pageMLOs include individuals who take applications or offer or negotiate residential mortgage terms for compensation or gain; the agency lists additional covered activities and exemptions.
A Mortgage Loan Originator (MLO) is an individual who for compensation or gain or in the expectation of compensation or gain, whether through contact by telephone, by electronic means, by mail, or in person with prospective borrowers, does any of the following: Takes a residential mortgage loan application, or offers or negotiates the terms or conditions of a residential mortgage loanOfficial source
Annual Renewal Period (November 1 – December 31):
Annual Renewal Period (November 1 – December 31): … All licenses expire on December 31st, if not renewed during the Annual Renewal Period.Official source
1 years
Annual Renewal Period (November 1 – December 31):Official source
8 hours
A licensed mortgage loan originator must annually complete at least eight hours of continuing educationOfficial source
3 hours federal law; 2 hours ethics; 2 hours nontraditional mortgage lending; 1 hour North Carolina statutes and rules
Three hours of federal statutes and regulations; Two hours of ethics, including instruction on fraud, consumer protection, and fair lending issues; Two hours related to lending standards for the nontraditional mortgage products marketplace; and One hour of North Carolina statutes and rules.Official source
Have a license or permit? Use the expiration date printed on it to set up your calendar and reminders.
$125
Initial Application: … Mortgage Loan Originator $ 125Official source
$125
Annual Renewal Period (November 1 – December 31): … Mortgage Loan Originator $ 125Official source
Confirm the charges and conditions for your application with the official agency.
Annual Renewal Period (November 1 – December 31):
Annual Renewal Period (November 1 – December 31): … All licenses expire on December 31st, if not renewed during the Annual Renewal Period.Official source
Last verified Oct 25, 2026
Last verified Oct 25, 2026. Each quotation supports the corresponding published value.
North Carolina Office of the Commissioner of Banks
North Carolina Office of the Commissioner of Banks
State of North Carolina OFFICE OF THE COMMISSIONER OF BANKS Mortgage Fee ScheduleOfficial source
Last verified Oct 25, 2026
https://nccob.nc.gov/financial-institutions/mortgage/licensing-information/mortgage-loan-originator-licensing-requirements
The “North Carolina Secure and Fair Enforcement (S.A.F.E.) Mortgage Licensing Act”, codified in NCGS Chapter 53, Article 19B , requires any person engaged in the business of making or brokering residential mortgage loans to be licensed, unless an exemption applies, pursuant to NCGS § 53-244.040(d) .Official source
Last verified Oct 25, 2026
24 hours
24
at least 24 hours of pre-licensing education in a classroom or classroom equivalent setting and approved by NMLSOfficial source
Last verified Oct 25, 2026
Includes 4 hours of North Carolina statutes and regulations; education generally must be completed within the three years immediately preceding application.
Includes 4 hours of North Carolina statutes and regulations; education generally must be completed within the three years immediately preceding application.
within the three years* immediately preceding the date of application, at least 24 hours of pre-licensing education in a classroom or classroom equivalent setting and approved by NMLS including: Three hours of federal statutes and regulations; Three hours of ethics, including instruction on fraud, consumer protection, and fair lending issues; Two hours of training related to lending standards for nontraditional mortgage products; and Four hours of North Carolina statutes and regulations.Official source
Last verified Oct 25, 2026
Pass the test required by N.C.G.S. §53-244.080 within the five years before application, with statutory credit for qualifying existing licensees or registrants.
Pass the test required by N.C.G.S. §53-244.080 within the five years before application, with statutory credit for qualifying existing licensees or registrants.
Applicants for a mortgage loan originator license must have passed, within the five years immediately preceding the date of application, the test required under N.C.G.S. §53-244.080. However, an individual applicant holding a valid mortgage loan originator license in any other state or territory or a registered mortgage loan originator shall receive credit for the passage of the test under N.C.G.S. §53-244.080, except as otherwise provided in N.C.G.S. §53-244.080(e).Official source
Last verified Oct 25, 2026
$125
125
Initial Application: … Mortgage Loan Originator $ 125Official source
Last verified Oct 25, 2026
$125
125
Annual Renewal Period (November 1 – December 31): … Mortgage Loan Originator $ 125Official source
Last verified Oct 25, 2026
1 years
1
Annual Renewal Period (November 1 – December 31):Official source
Last verified Oct 25, 2026
Annual Renewal Period (November 1 – December 31):
Annual Renewal Period (November 1 – December 31): Applies to: North Carolina mortgage loan originator licenses
Annual Renewal Period (November 1 – December 31): … All licenses expire on December 31st, if not renewed during the Annual Renewal Period.Official source
Last verified Oct 25, 2026
8 hours
8
A licensed mortgage loan originator must annually complete at least eight hours of continuing educationOfficial source
Last verified Oct 25, 2026
3 hours federal law; 2 hours ethics; 2 hours nontraditional mortgage lending; 1 hour North Carolina statutes and rules
3 hours federal law; 2 hours ethics; 2 hours nontraditional mortgage lending; 1 hour North Carolina statutes and rules
Three hours of federal statutes and regulations; Two hours of ethics, including instruction on fraud, consumer protection, and fair lending issues; Two hours related to lending standards for the nontraditional mortgage products marketplace; and One hour of North Carolina statutes and rules.Official source
Last verified Oct 25, 2026
Education credit: a valid MLO license in another state or territory and completion of the previous year's required CE qualify for 20 hours of credit; North Carolina's 4 state-law hours remain required.
Education credit: a valid MLO license in another state or territory and completion of the previous year's required CE qualify for 20 hours of credit; North Carolina's 4 state-law hours remain required.
An individual applicant holding a valid mortgage loan originator license in any other state or territory shall receive credit for 20 hours of education completed under N.C.G.S. 53-244.070(e) if the individual has completed all required continuing education for the preceding year. N.C.G.S. 53-244.070(e) states, “… the applicant shall be given credit for those hours toward the completion of the prelicensing requirements in this State, other than the hours required under subdivision (a)(4) of this section.” Subdivision (a)(4) requires four hours of North Carolina statute and rules.Official source
Last verified Oct 25, 2026
MLOs include individuals who take applications or offer or negotiate residential mortgage terms for compensation or gain; the agency lists additional covered activities and exemptions.
MLOs include individuals who take applications or offer or negotiate residential mortgage terms for compensation or gain; the agency lists additional covered activities and exemptions.
A Mortgage Loan Originator (MLO) is an individual who for compensation or gain or in the expectation of compensation or gain, whether through contact by telephone, by electronic means, by mail, or in person with prospective borrowers, does any of the following: Takes a residential mortgage loan application, or offers or negotiates the terms or conditions of a residential mortgage loanOfficial source
Last verified Oct 25, 2026
https://nccob.nc.gov/financial-institutions/mortgage/licensing-information/mortgage-renewal-information
All mortgage renewal applications must be submitted via the Nationwide Mortgage Licensing System .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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