NMLS License Missouri: Get Your Missouri Mortgage Loan Originator License in 2026!

Missouri Pre-Licensing Education

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Obtaining a mortgage license and becoming a mortgage loan originator involves a simple process in which you will need to complete your state-specific education requirements and take and pass a national exam. Once these two steps have been completed, you're well on your way to becoming a licensed Loan Originator!

How to Get an NMLS Mortgage License in Missouri

Step 1

Create an NMLS Account

To earn your Missouri mortgage license, start by applying for a Nationwide Multistate Licensing System (NMLS) account online. After you apply, you’ll receive your NMLS ID, which will become your permanent license number.

Step 2

Complete Your Missouri Pre-license Education

The next step is to satisfy NMLS pre-licensure education (PE) course requirements. This involves completing the standard 20 hours of NMLS-approved education covering mortgage laws and procedures.

Step 3

Pass the NMLS Mortgage Licensing Test

After completing your education, it’s time to schedule your licensing examination. Get more information regarding the National Test Component exam by reading our guide.

Step 4

Authorize a Background Check

Once you’ve passed the NMLS mortgage licensing test, you’ll need to complete a background check and pay a few non-refundable fees. You must meet the requirement before submitting your application for a mortgage broker license in Missouri. Find out how you can request a background check here.

Step 5

Apply for Your Missouri Mortgage License

After passing the NMLS exam, you can now apply for your Missouri NMLS license. Here’s a link to help you with this step.

Step 6

Associate Your NMLS Record with Your Employer

Before receiving your Missouri mortgage license, you’ll need to let the government know that you have employer sponsorship. Here’s how this works.

Getting Your Mortgage License in Missouri

A Missouri mortgage license is not only your path to a fulfilling career but also a way to serve the community. If you’re willing to put in the time and effort, you'll soon be able to help others achieve their dreams of having their own property.

We’ll make earning your Missouri mortgage license easy and convenient. We offer great course bundles that meet Missouri’s education requirements, including an NMLS test prep course to help you succeed in the national exam.

Missouri Frequently Asked Questions

Missouri Mortgage License Education Requirements

Topic	Hours Required
Fair Lending, Ethics, Fraud, and Consumer Protection	3 Hours
Federal Laws and Regulations	3 Hours
Non-Standard Lending	2 Hours
Undefined Electives	12 Hours
Total 20 Hours

What is the PE Expiration Policy in Missouri?

What's the Difference Between an Missouri Mortgage Broker License and an Missouri Loan Officer License?

Cost of Getting Your Missouri Mortgage Originator License

NMLS Fees
NMLS Initial Processing Fee	$30
Missouri License Fee	$50
Credit Report	$15
FBI Criminal Background Check	$36.25
Total License Cost	$131.25

Missouri Continuing Education Requirements

Topic	Required Hours
Federal Regulations and Law	3 Hours
Ethics, including consumer protection, fair lending	2 Hours
Non-Traditional mortgage lending	2 Hours
Missouri Specific Education	1 Hour

Additional Questions?

Get Started on Your Missouri Mortgage License Today

Whether you need pre-licensing education or a CE course, Mortgage Educators is your one-stop online resource. Register for your course today!