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

Tennessee Education Bundle

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18+2 HOUR TENNESSEE COURSE

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How to Get an NMLS Mortgage License in Tennessee

Step 1

Apply For Your NMLS Account and ID Number

The first step to obtaining your Tennessee mortgage license is applying for an NMLS account and ID number. To do so, go to the NMLS website.

Step 2

Complete Your NMLS Pre-License Education

To get a Tennessee mortgage license, take the required 20 (18+2) hours of classes, including 2 hours of Tennessee-focused electives and 18 hours of general mortgage education.

Step 3

Need to Pass the SAFE MLO National Test

With your education complete, you need to schedule an appointment for the National Test Component exam and take the NMLS test. Find out more on how to take your NMLS exam here.

Step 4

Complete Background Checks and Pay All Fees

To finalize your application and receive your license, you will need to pay several non-refundable fees and get a background check. Find out more about how to complete your background check here.

Step 5

Apply for Your Tennessee Mortgage License

After receiving a passing score on your NMLS mortgage exam, you need to apply for your Tennessee NMLS license. You can find more information on this step here.

Step 6

Associate Your NMLS Account with Your Employer

Your license will still be pending in Tennessee until you have an employer sponsorship, which lets the government know that an employer is supervising your license. Learn how to associate your NMLS account with your employer here.

The Value of a Tennessee Mortgage License

What do you want out of a career? If you’re like others who hold an NMLS license in Tennessee, you want to have a significant impact on people in your community and state. You want to serve them in something important: making the largest purchase of their lives. If you have a sociable personality and a love of learning, your career will be filled with variety, excitement, and passion.

But how do you get through the process and complete every detail? Mortgage Educators has guided many others like you to an NMLS license. Our education bundles—taking you through your combined 20 hours of test-preparation classes—and practice tests simplify the process and get you ready for your exam. We are committed to helping you start your career as quickly and efficiently as you can.

Tennessee Frequently Asked Questions

Tennessee 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
Tennessee Specific Education	2 Hours
Total 20 Hours

What is the PE Expiration Policy in Tennessee?

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

Cost of Getting Your Tennessee Mortgage Originator License

NMLS Fees
NMLS Initial Processing Fee	$30
Tennessee License & Registration Fee	$100
Tennessee Application Fee	$100
Credit Report	$15
FBI Criminal Background Check	$36.25
Total License Cost	$281.25

Tennessee 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?

Get Your Tennessee Mortgage License with Mortgage Educators

Are you excited about serving your community in Tennessee as a loan officer? Then take advantage of our special education bundle that will help you get your pre-license courses completed quickly. Gain the knowledge you need with Mortgage Educators today!

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