Arizona Mortgage License Requirements
Application Requirements to become licensed in Arizona:
| Description | Requirement |
|---|---|
| Temporary Authority to Operate Eligible | Yes |
| Application Fee | $350.00 |
| License Registration Fee | $112.50 |
| NMLS Processing Fee | $35.00 |
| Sponsorship Fee* | $50.00 |
| Credit Report Required | $15.00 |
| Criminal Background Check Required | $36.25 |
| Testing Required | Yes, passing score of 75% or higher |
| SAFE MLO Test Cost | $110.00 |
| Work Remote Allowed | Yes |
*Note: A sponsorship request must be submitted by your employer. AZ will review and accept or reject the sponsorship request.
Arizona NMLS Pre-Licensing Education Requirements:
New state-licensed MLOs and Responsible Individuals are required to complete 20 hours of NMLS-approved education. This includes:
3 hours of federal law
3 hours of ethics
2 hours of non-traditional mortgage lending training
8 hours of electives
4 hours of Arizona state-specific education
Arizona has implemented PE Expiration Policy where PE education, including state-specific, generally expires after 3 years of not holding a license/registration in any jurisdiction.
Arizona Continuing Education Requirements:
State-licensed MLOs and Responsible Individuals are required to complete 8 hours of NMLS-approved mortgage education annually beginning the year they are licensed (unless PE was completed in the same year). This includes:
3 hours of federal law
2 hours of ethics
2 hours of non-traditional mortgage lending
1 hour of Arizona state-specific education
MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.
Responsible Individuals must complete an additional 4 hours of Continuing Education annually to equal a total of 12 hours.
Arizona Department of Financial Institutions Contact Info:
Phone: 602-771-2800
Email: felicensing@difi.az.gov
