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

Montana Pre-Licensing Bundle

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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!

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Obtaining a mortgage license and becoming a Montana loan officer is very simple, but it’s not for everyone. It takes a willingness to learn the basic ins and outs of the industry as well as a desire to work hard. The mortgage industry is a great one to get into and it provides a lot of flexibility. If you like to work hard, you are a people person, and you have a desire to learn, becoming a mortgage loan officer is the perfect choice for you.

How to Get an NMLS Mortgage License in Montana

Step 1

Get Your NMLS Account and ID Number

Before obtaining your Montana mortgage license, you must apply for an NMLS account and ID number. Head over to the NMLS website to do this.

Step 2

Finish Your NMLS Pre-License Education

After creating your NMLS account, you’ll need to complete your pre-license education. Montana requires new state-licensed MLOs to complete 20 hours of NMLS-approved education, including a 2-hour state law course.

Step 3

Pass the NMLS Mortgage Licensing Exam

With your pre-licensure education done, your next step is to take the National Test Component exam. Find out how you can sign up for the test here.

Step 4

Complete Background Checks and Settle Fees

Once you pass the NMLS mortgage exam, you can apply for your NMLS license. Before submitting your application, you need to authorize background checks and register your fingerprints with NMLS. Learn more about the steps here.

Step 5

Apply for Your Montana Mortgage License

A passing score on your NMLS exam allows you to be a licensed MLO in Montana. Learn the process of applying for your mortgage license with this guide.

Step 6

Link Your NMLS Account with Your Employer

Your Montana mortgage license remains in a pending or “Approved-Inactive” status until the mortgage company you’re associated with submits a sponsorship request. Your employer has to notify the government of the institution that oversees your license. Find out how to link your NMLS account with your company here.

Getting Your MLO License in Montana

Obtaining a mortgage license in Montana is your first step toward a highly rewarding and flexible career in the financial industry. However, being a state-licensed loan officer isn’t for the faint of heart—you must be willing to put in the time and effort.

We’re here to help you tread the challenging path of getting your mortgage license. Our course bundles cover Montana’s pre-license education requirements. These include a test prep course to help you prepare for the actual NMLS exam and take it with confidence.

Montana Frequently Asked Questions

Montana 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	10 Hours
Montana Specific Education	2 Hours
Total 20 Hours

What is the PE Expiration Policy in Montana?

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

Cost of Getting Your Montana Mortgage Originator License

NMLS Fees
NMLS Initial Processing Fee	$30
Montana License Fee	$400
Credit Report	$15
FBI Criminal Background Check	$36.25
Total License Cost	$481.25

Montana 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
General Elective	1 Hour

Additional Questions?

Earn Your Montana Mortgage License with Us

Whether you’re applying for a new MLO license or renewing yours, let Mortgage Educators be your trusted provider of NMLS-approved courses. Choose from our instructor-led PE or self-study CE courses.