How to Get a Mortgage Loan Officer License in Georgia
Last updated: March 2, 2026
Quick Facts
Education
23 hrs
Total Cost
$1,400
Governing Body
Georgia Department of Banking and Finance
Georgia is a rapidly growing market led by the Atlanta metropolitan area, making it an excellent place to start a career as a mortgage loan officer. Licensing in Georgia is overseen by the Georgia Department of Banking and Finance. The process requires 23 hours of pre-license education and costs between $900 and $1,900 in total. You'll need to pass the NMLS SAFE MLO Test (administered by Georgia Department of Banking and Finance) with a score of at least 70%.
Georgia requires just 23 hours of pre-license education — one of the lowest requirements in the nation. This is close to the national average of 20 hours. Budget between $900 and $1,900 for the total licensing process, including education, application, and exam fees. Most aspiring mortgage loan officers complete the entire process in 4-8 weeks, depending on how quickly they move through the coursework and exam preparation.
GeorgiaMortgage Loan Officer License Requirements
| Requirement | Details |
|---|---|
| Minimum Age | 18 years old |
| Pre-License Education | 23 hours |
| Degree Required | No |
| Exam Required | Yes — NMLS SAFE MLO Test |
| Passing Score | 70% |
| Background Check | Yes |
| Broker Sponsorship | Not required |
| Application Fee | $250 |
| Exam Fee | $110 |
| Governing Body | Georgia Department of Banking and Finance |
| License Reciprocity | Partial |
Reciprocity:
Steps to Get Your Mortgage Loan Officer License in Georgia
- 1
Complete 23 Hours of NMLS Pre-License Education
The federal minimum is 20 hours covering federal law, ethics, lending standards, and electives.
Time: 1-3 weeks Cost: $350 - 2
Pass the NMLS SAFE MLO Test
Register and pass the SAFE Mortgage Loan Originator Test with national and Georgia-specific components. You must score at least 75% on each component. The exam fee is $110.
Time: 2-4 weeks to prepare and schedule Cost: $110 - 3
Register Through NMLS and Apply for State License
Create your NMLS account, submit fingerprints for an FBI background check, authorize a credit report, and apply for your Georgia MLO license through the Georgia Department of Banking and Finance. The application fee is $250.
Time: 2-6 weeks Cost: $250 - 4
Obtain Surety Bond
Most states require a surety bond for mortgage loan originators. Bond amounts vary by state. Costs are typically 1-3% of the bond face value per year.
Time: 1-2 weeks Cost: $500 - 5
Get Sponsored by a Licensed Mortgage Company
Your MLO license must be associated with a licensed mortgage company. Research lenders and mortgage brokers in Georgia and get hired/sponsored before you can originate loans.
Time: 1-4 weeks
Recommended Courses
Kaplan
Pre-license education and exam prep across real estate, insurance, financial services, and more.
Trusted name in professional education
View Kaplan Courses →Key Things to Know
- Education requirement: . Many providers offer online options, giving you flexibility to study on your own schedule.
- The licensing exam: The NMLS SAFE MLO Test is administered by Georgia Department of Banking and Finance. You'll need to score at least 70% to pass. Study materials and practice exams are available from most education providers.
- Background check required: Georgia requires a criminal background check as part of the application process. Plan for additional processing time and fees.
- Online application available: Georgia accepts online applications, which can speed up processing time.
- Ongoing requirements: Once licensed, you'll need 8 hours of continuing education every 1 year. .
How Georgia Compares
Georgia requires 23 hours of pre-license education for mortgage loan officers. This is close to the national average of 20 hours. The average total cost in Georgia is around $1,400, compared to the national average of $1,364.
How Much Does a Mortgage Loan Officer License Cost in Georgia?
| Cost Item | Estimated Range |
|---|---|
| Pre-License Education | $300 - $700 |
| Application Fee | $250 |
| Exam Fee | $110 |
| Total Estimated Cost | $900 - $1,900 |
License Renewal
- Renewal Period: Every 1 years
- Continuing Education:8 hours
- CE Details:
- Renewal Fee: $250
Tips for Success
- Choose your education provider carefully: Compare prices, format (online vs. in-person), and reviews. Some providers offer exam prep materials bundled with the course, which can save you money. Check the Georgia Department of Banking and Finance website for a list of approved providers.
- Don't rush the exam: With only 23 hours required, you can complete the education portion quickly — some providers offer accelerated programs that finish in 2-3 weeks. Use practice exams to identify weak areas before scheduling your test date.
- Study hard for the SAFE MLO test: The national component has a 57% first-time pass rate. Use practice tests from providers like CompuCram or OnCourse Learning. Focus on federal lending regulations, TRID, RESPA, and ECOA — these are heavily tested.
- Choose your employer model carefully: Mortgage bankers (direct lenders) offer stability and leads. Mortgage brokers offer higher commissions but you source your own business. New MLOs typically start with a bank or direct lender to learn the business before going broker.
- Budget approximately $1,900 for your Georgia license: This includes $250 in application fees, $110 for the exam, and education costs. Once licensed, plan for $250 in renewal fees every 1 year.
Frequently Asked Questions
How long does it take to get a mortgage loan officer license in Georgia?
Most people complete the process in 2-4 weeks total. The pre-license education (23 hours) takes the longest. After completing education, the exam and application process typically adds 2-6 weeks.
How much does it cost to get a mortgage loan officer license in Georgia?
The total cost ranges from $900 to $1,900, including pre-license education, the application fee ($250), and the exam fee ($110).
Can I get a Georgia mortgage loan officer license with a criminal record?
The Georgia Department of Banking and Finance evaluates criminal history on a case-by-case basis. Having a criminal record does not automatically disqualify you, but certain offenses may affect your eligibility. Contact the Georgia Department of Banking and Finance for guidance before applying.
Do I need a college degree to become a mortgage loan officer in Georgia?
No. Georgia does not require a college degree. You only need to complete the 23 hours of approved pre-license courses.
Can I take the pre-license courses online in Georgia?
Many approved education providers offer pre-license courses online, allowing you to study at your own pace. Check the Georgia Department of Banking and Finance website for a list of approved providers.
Sources
Professional Associations & Resources
Connect with these national organizations for career resources, networking, and continuing education.
Compare With Other States
Mortgage Loan Officer in Other States
From Our Blog
10 Highest Paying Licensed Professions in 2026
The 10 highest paying licensed professions in 2026, ranked by median salary. See education requirements, costs, and best states for each career.
Cheapest States for Professional Licensing (2026)
Which states have the lowest professional licensing costs? We ranked all 50 states by average licensing cost across 49 professions.