Get Your Mortgage License in Texas

Every states requires 20 hours of NMLS-approved pre-licensing education. A handful of states require education specific to the state. To find out how many hours you are required to take of pre-license training, use our.

1. Visit the NMLS online registration portal to request an NMLS account.
2. Select the Individual option
3. If prompted, complete the security captcha and click next
4. Provide the required information and submit your application

To become a Texas-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 Texas state licensing agencies: The Texas Office of Consumer Credit Commissioner (OCCC) or The Texas Department of Savings and Mortgage Lending (SML).

Required NMLS SAFE mortgage license training

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 hour SAFE course in addition to your state-specific education requirements

Overview of TX-OCCC License

The TX-OCCC License is required for individuals who for compensation or gain or in the expectation of compensation or gain, take a residential mortgage loan application or offer or negotiates terms of a residential mortgage loan. This includes originators of liens on mobile homes or manufactured homes that are used as a residence.

Find Texas-OCCC Packages

Overview of TX-SML License

The TX-SML is required for an employee of any corporation, company, partnership, association, or sole proprietorship licensed or registered under Texas Finance Code Chapter 156 or Chapter 157 who takes a residential mortgage loan application or offers or negotiates terms of a residential mortgage.

Find Texas-SML Packages

Once you’ve completed your pre-license education, you’ll need to schedule an appointment to take the National Test Component with Uniform State Content through your NMLS account.

SAFE MLO national test component

The SAFE MLO exam covers federal mortgage related laws, ethics, Mortgage loan originator activities, and general mortgage knowledge. Effective 4/5/21, test details are as follows:

• 120 questions (115 scored)
• 190 minutes
• Cost: $110

Uniform State Content (UST)

The UST portion of the exam covers:

• Regulatory authority, responsibilities and limitations
• Definitions and documents
• License law and regulation
• Compliance

Texas Office of Consumer Credit Commissioner

The TX-OCCC requires at least 20 hours of pre-license education and meet one of the three conditions listed below:

• Passing results on both the National and Texas State components of the SAFE Test
• Passing results on both the National and Stand-alone UST components of the SAFE Test
• Passing results on the National Test Component with Uniform State Content

Texas Department of Savings and Mortgage Lending

The TX-SML requires the applicant to take at least 23 hours of pre-license education, 3 of which are Texas-specific. The applicant must obtain a passing score on the National Test Component with Uniform State Content and complied with 3 hours of pre-licensing Texas specific education.

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Once you completed the required pre-licensing courses and achieved passing scores on the National and any applicable state required tests, you will be able to apply for your mortgage loan originator license on the NMLS website.

How to apply for your Texas MLO license:

• Login in to your NMLS account.
• Select the filing tab on the top of the screen.
• Select Individual if applying as an individual.
• Select 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 you. These fees are not refundable. Check with your employer before you proceed.
• Click Add to apply for your TX license.
• Select the appropriate Texas License and click Next.
• Select the Texas Mortgage Loan Originator License and click Next.
• Verify that the information is correct and click Next.
• Carefully review the final page before proceeding. Click Finish.

You are now ready to finalize your application.

Apply for your license

The SAFE act established licensing and registration standards for all Mortgage Loan Originators. In order to receive your Texas MLO certification, you'll need to provide the following information and pay the associated fees:

Request	Fee	Required
NMLS Processing	$30	YES
FBI CBC	$36.25	YES
Credit Report	$15	YES
TX-OCCC Application	-	OCCC License Only
TX-OCCC License/Registration	$225*	Required
TX-SML Application	$190	SML License Only

* This fee includes a $25 non-refundable recovery fund fee.

Fingerprints

Create a Fieldprint account and register for an appointment.

Criminal Background Check

Initiate a criminal background check via your NMLS account.

Credit Report

Authorize a credit report via your NMLS account.

Every states requires 20 hours of NMLS-approved pre-licensing education. A handful of states require education specific to the state. To find out how many hours you are required to take of pre-license training, use our.

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 sponsorship is associated with your NMLS ID, you'll be ready to do business as an MLO in the state of Texas.