North Carolina License Requirements

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North Carolina Mortgage License Requirements

Learn about the North Carolina mortgage education requirements for mortgage licensing.

In the state of North Carolina, mortgage loan originators are required to:

    1. Complete a Criminal Background Check (CBC).
    2. Authorize a credit report through the NMLS.
    3. Fulfill all state and federal education requirements as designated by North Carolina.
    4. Take and pass a National Test.
    5. Applicants must be at least 18 years of age.

North Carolina NLMS Pre-Licensing Education Requirements:

New state-licensed MLOs are required to complete 24 hours of NMLS-approved education. This includes:

  • 3 hours of federal law
  • 3 hours of ethics
  • 2 hours of non-traditional mortgage lending
  • 12 hours of electives
  • 4 hours of North Carolina state-specific education

NOTE:  PE education must be completed within 3 years of new or subsequent license application

 

North Carolina 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 North Carolina 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.

North Carolina Mortgage Licensing: More Information

NMLS Resources: