NMLS License Florida: Get Your Florida Mortgage Loan Originator License in 2026!
How to Get an NMLS Mortgage License in Florida
Are you interested in starting a new career? Learn how to become a loan officer in Florida and get your license from the nationwide mortgage licensing system through this NMLS Florida guide. There are six main steps you need to follow as well as information regarding costs, education, and other requirements to become a licensed mortgage loan originator.
The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (or the SAFE Act) changed the way mortgage loans are processed, including the requirement to register both federally and at the state level through the same registration system, NMLS (or Nationwide Multistate Licensing System), which is fully online.
Therefore, the first step to getting your mortgage loan originator title in Florida is to register with the NMLS by applying online for an account and NMLA ID number. To do so, go to the NMLS website.
With access to the NMLS website, you can obtain and complete your pre-license education. The Florida State Licensing Agency requires 20-hours (18 hours & 2 hours elective) of SAFE pre- licensure education course.
With your pre-license education education complete, you need to schedule an appointment for the National Test Component exam. Find out more on how to take your NMLS licensing test here. Also take a look at the NMLS MLO testing handbook.
Note that you must pass with at least a 75% or greater or you will have to take the exam again. The first time pass rate is above 50% at 58% (according to a statement made by the NMLS). However, although passing is not an easy task, we will help you prepare so you feel confident enough to pass.
To finalize your application, you will need to pay several non-refundable fees, including an application fee, filing fees and a criminal background check (this will also include review of your credit report).
Find out more about how criminal background checks work here.
Once you have passed your NMLS mortgage licensing exam, you need to apply for your Florida MLO license. You can find more information on how to apply here.
Your mortgage license will be pending with the state of Florida until you have employer sponsorship through the bank, credit union, or other company of your choice. This lets the government know that an employer is supervising your individual license. Learn how to associate your NMLS account with your employer here.
Florida Frequently Asked Questions
