Pennsylvania Mortgage License Requirements
Learn about the Pennsylvania mortgage education requirements for mortgage licensing.
In the state of Pennsylvania, mortgage loan originators are required to:
- Complete a Criminal Background Check (CBC).
- Authorize a credit report through the NMLS.
- Fulfill all state and federal education requirements as designated by Pennsylvania.
- Take and pass a National Test.
- Tax Certification.
Pennsylvania 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
- 9 hours of electives
- 3 hours of Pennsylvania state-specific education
Pennsylvania 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 Pennsylvania 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.
Pennsylvania Mortgage Licensing:
- Pennsylvania Department of Banking and Securities
- Phone: 717-787-3717
- Email: ra-asklicensing@pa.gov
- Website: https://www.dobs.pa.gov/Businesses/Non-Bank%20Licensees/Mortgage%20Licensees/Pages/default.aspx
NMLS Resources:
- Pennsylvania MLO License Description Page
- Professional Standards: Mortgage Education
- Professional Standards: Criminal Background Check
- Professional Standards: Credit Report
- Professional Standards: MLO Testing