If prompted, complete the security captcha and click next
Provide the required information and submit your application
Complete Your California NMLS Pre-License Education
To become a California-licensed MLO you'll need to complete the required 20-hour NMLS S.A.F.E
pre-licensing course along with any additional course work required by either of California state
licensing agencies: The California Department of Financial Protection & Innovation (DFPI) or The
California Department of Real Estate (DRE) — formerly the California
Bureau of Real Estate (BRE).
NMLS SAFE Mortgage License Training - Required
All states require 20 hours of mortgage education from an NMLS approved mortgage school. If you are
seeking a new mortgage license, be sure to enroll in the 20 hours SAFE course in addition to your
state-specific education requirements.
CA-DFPI License Overview
The CA-DFPI license is required for any mortgage loan originator employed by a DFPI licensed lender
broker. This applies to any mortgage lender governed by either California Finance Law (CFL) or thr
California Residential Mortgage Lending
Your Employer must also be licensed by the CA-DFPI.
Easier license to achieve.
Process residential mortgage loan applications or negotiate the terms of residential mortgage
Requires a Sponsorship from a DFPI licensed Employer.
The California Department of Real Estate (DRE) issues MLO endorsements to licensed real estate
Pursuing a DRE endorsed license will give you the most career flexibility, however, you will need to
complete and maintain the required
Real Estate education requirements.
Requires a valid California Real Estate License.
Requires additional Real Estate Education.
Provides Greater Career Flexibility.
Requires a Sponsorship from a DRE licensed Employer.
Once you completed the required pre-licensing courses and achieved passing scores on the National and
applicable state required tests, you will be able to apply for your mortgage loan originator license
the NMLS website.
To apply for your California MLO license:
Login in to your NMLS account.
Select the filing tab on the top of the screen.
Select Individual if your applying as an individual.
Click Request New/Update.
If you’re directly responsible for the paying the filing fees, click continue.
If you’re already employed with a mortgage company, your employer may handle this step for
These fees are not refundable. Check with your employer before you proceed.
Click Add to apply for your CA license.
Select the appropriate California License and click Next.
Select the California Mortgage Loan Originator License and click Next.
Verify that the information is correct and click Next.
Read the final page carefully before proceeding. If the information is correct click
The SAFE act established licensing and registration standards for all Mortgage
Originators. In order to receive your California
MLO certification, you'll need to provide the following information and pay the associated fees:
In order to complete the final step in becoming a fully licensed California MLO your NMLS ID will
be sponsored by a state licensed employer. This sponsorship tells the governing agencies that your
employer will be supervising your
individual license. You can submit your sponsorship through your NMLS ID. Once your employer
is associated with your NMLS ID, you'll be ready to do business as an MLO in the state of
Your success is our #1 priority
OnCourse Learning empowers aspiring mortgage loan originators
loan officers to take their learning experience to the next level. Get and maintain your NMLS
NMLS-approved mortgage pre-licensing, continuing education and late CE courses
Exam prep tools to help you pass your NMLS license exam
Over 50 years of mortgage education experience
We’ve helped over 300,000 mortgage brokers begin and advance their careers.
"This was well
organized, wonderfully set up to give you ample opportunities to practice the information given
through exams, quizzes, discussion scenarios, and message board."
Gianna G. Mortgage Customer