Georgia Mortgage License Requirements
Application Requirements to become licensed in Georgia:
| Description | Requirement |
|---|---|
| Temporary Authority to Operate Eligible | Yes |
| Application Fee | $200.00 |
| License Registration Fee | $0.00 |
| NMLS Processing Fee | $35.00 |
| Sponsorship Fee* | $0.00 |
| 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 from your employer must be submitted with your application. Your sponsor must be a licensed or registered Georgia mortgage broker or lender with the requisite surety bond coverage.
Georgia NMLS Pre-Licensing Education Requirements:
New state-licensed MLOs 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
12 hours of electives
NOTE: Pre-licensure education will expire after three years without a valid mortgage loan originator license or federal registration.
Georgia Continuing Education Requirements:
State-licensed MLOs 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 Georgia 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.
The deadline to complete annual CE is October 31st. Alert: GA may assess a $100 late fee outside of NMLS if CE is completed after October 31.
Georgia Department of Banking and Finance Contact Info:
Phone: 770-986-1136
Email: NDFIDivision@dbf.state.ga.us or renewal@dbf.state.ga.us
Website: dbf.georgia.gov
