How to Get a Mortgage Loan Officer License in Texas
Last updated: March 2, 2026
Quick Facts
Education
23 hrs
Total Cost
$1,500
Governing Body
Texas Department of Savings and Mortgage Lending
Texas is one of the largest and most active real estate markets in the country, making it an excellent place to start a career as a mortgage loan officer. Licensing in Texas is overseen by the Texas Department of Savings and Mortgage Lending. The process requires 23 hours of pre-license education and costs between $1,000 and $2,000 in total. You'll need to pass the NMLS SAFE MLO Test (administered by Texas Department of Savings and Mortgage Lending) with a score of at least 70%.
Texas 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 $1,000 and $2,000 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.
TexasMortgage 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 | $325 |
| Exam Fee | $110 |
| Governing Body | Texas Department of Savings and Mortgage Lending |
| License Reciprocity | Partial |
Reciprocity:
Steps to Get Your Mortgage Loan Officer License in Texas
- 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 Texas-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 Texas MLO license through the Texas Department of Savings and Mortgage Lending. The application fee is $325.
Time: 2-6 weeks Cost: $325 - 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 Texas 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.
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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 Texas Department of Savings and Mortgage Lending. You'll need to score at least 70% to pass. Study materials and practice exams are available from most education providers.
- Background check required: Texas requires a criminal background check as part of the application process. Plan for additional processing time and fees.
- Online application available: Texas 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 Texas Compares
Texas 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 Texas is around $1,500, compared to the national average of $1,364.
How Much Does a Mortgage Loan Officer License Cost in Texas?
| Cost Item | Estimated Range |
|---|---|
| Pre-License Education | $300 - $700 |
| Application Fee | $325 |
| Exam Fee | $110 |
| Total Estimated Cost | $1,000 - $2,000 |
License Renewal
- Renewal Period: Every 1 years
- Continuing Education:8 hours
- CE Details:
- Renewal Fee: $325
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 Texas Department of Savings and Mortgage Lending 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 $2,000 for your Texas license: This includes $325 in application fees, $110 for the exam, and education costs. Once licensed, plan for $325 in renewal fees every 1 year.
Frequently Asked Questions
How long does it take to get a mortgage loan officer license in Texas?
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 Texas?
The total cost ranges from $1,000 to $2,000, including pre-license education, the application fee ($325), and the exam fee ($110).
Can I get a Texas mortgage loan officer license with a criminal record?
The Texas Department of Savings and Mortgage Lending 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 Texas Department of Savings and Mortgage Lending for guidance before applying.
Do I need a college degree to become a mortgage loan officer in Texas?
No. Texas 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 Texas?
Many approved education providers offer pre-license courses online, allowing you to study at your own pace. Check the Texas Department of Savings and Mortgage Lending website for a list of approved providers.
Sources
Professional Associations & Resources
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