Tennessee Mortgage loan originator License: Requirements, Cost & How to Apply (2026)

Tennessee Commissioner of Financial Institutions

Tennessee Commissioner of Financial Institutions

"Commissioner" means the Commissioner of Financial Institutions or the commissioner's designated representative;

Last verified Oct 25, 2026

Open the official agency page

https://www.tn.gov/tdfi/mortgage-consumer-lending/mlo.html

All Mortgage Loan Originator license applications, amendments, and renewal filings must be made through the Nationwide Mortgage Licensing System & Registry (NMLS).

Last verified Oct 25, 2026

Open the official agency page

https://www.tn.gov/tdfi/mortgage-consumer-lending/mlo.html

All Mortgage Loan Originator license applications, amendments, and renewal filings must be made through the Nationwide Mortgage Licensing System & Registry (NMLS).

Last verified Oct 25, 2026

20 hours

20

an individual shall complete at least twenty (20) hours of education approved in accordance with subsection (b)

Last verified Oct 25, 2026

Pass a qualified NMLS written test with at least 75 percent correct answers.

Pass a qualified NMLS written test with at least 75 percent correct answers.

An individual shall not be considered to have passed a qualified written test unless the individual achieves a test score of not less than seventy-five percent (75%) correct answers to questions.

Last verified Oct 25, 2026

8 hours

8

a licensed mortgage loan originator shall complete at least eight (8) hours of education approved in accordance with subsection (b) of this section

Last verified Oct 25, 2026

Annual NMLS-approved CE includes at least 3 hours federal law, 2 hours ethics, and 2 hours nontraditional mortgage lending.

Annual NMLS-approved CE includes at least 3 hours federal law, 2 hours ethics, and 2 hours nontraditional mortgage lending.

Section 45-13-307. Continuing Education for Mortgage Loan Originators. (a) In order to meet the annual continuing education requirements referred to in § 45-13-306(a)(2), a licensed mortgage loan originator shall complete at least eight (8) hours of education approved in accordance with subsection (b) of this section, which shall include at least: (1) Three (3) hours of federal law and regulations; (2) Two (2) hours of ethics, which shall include instruction on fraud, consumer protection, and fair lending issues; and (3) Two (2) hours of training related to lending standards for the nontraditional mortgage product marketplace. (b) For purposes of subsection (a), continuing education courses shall be reviewed and approved by the Nationwide Mortgage Licensing System and Registry based upon reasonable standards. Review and approval of a continuing education course shall include review and approval of the course provider.

Last verified Oct 25, 2026

To renew a mortgage loan originator license for the following calendar year, the commissioner must receive on or before December 31 a completed renewal application and fee meeting the requirements of subsection (a).

To renew a mortgage loan originator license for the following calendar year, the commissioner must receive on or before December 31 a completed renewal application and fee meeting the requirements of subsection (a). Applies to: Tennessee mortgage loan originator license renewal for the following calendar year

To renew a mortgage loan originator license for the following calendar year, the commissioner must receive on or before December 31 a completed renewal application and fee meeting the requirements of subsection (a).

Last verified Oct 25, 2026

NMLS-approved federal-law, ethics and nontraditional-lending prelicensing education completed for another state is accepted as credit.

NMLS-approved federal-law, ethics and nontraditional-lending prelicensing education completed for another state is accepted as credit.

The pre-licensing education requirements approved by the Nationwide Mortgage Licensing System and Registry in subsections (a)(1), (2) and (3) for any state shall be accepted as credit towards completion of pre-licensing education requirements in Tennessee.

Last verified Oct 25, 2026

The state definition covers an individual who, for compensation or expected gain, takes a residential mortgage loan application or offers or negotiates its terms.

The state definition covers an individual who, for compensation or expected gain, takes a residential mortgage loan application or offers or negotiates its terms.

Means an individual who for compensation or gain or in the expectation of compensation or gain: (a) Takes a residential mortgage loan application; or (b) Offers or negotiates terms of a residential mortgage loan

Last verified Oct 25, 2026

The enacted statute prescribes $100 licensing and renewal fees, subject to changes by commissioner rule.

The enacted statute prescribes $100 licensing and renewal fees, subject to changes by commissioner rule.

shall pay a nonrefundable licensing fee of one hundred dollars ($100.00), which fee may be decreased or increased by rule of the commissioner … The mortgage loan originator has paid a nonrefundable renewal fee of one hundred dollars ($100.00), which amount may be decreased or increased by rule of the commissioner.

Last verified Oct 25, 2026

Open the official agency page

https://www.nmlsconsumeraccess.org/

State-Licensed Companies and Mortgage Loan Originators (MLOs) State Agencies Participating in NMLS Consumer Access Tennessee

Last verified Oct 25, 2026