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Texas OCCC Mortgage License Requirements

Texas (OCCC) Mortgage License Requirements

Learn about the Texas (OCCC) mortgage education needs and additional requirements for mortgage licensing.

In the state of Texas (OCCC), 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 your state agency.
  4. Take and pass a National Test.
  5. Recovery Fund: Applicants and licensed mortgage loan originators must pay a non-refundable recovery fund fee to the Office of Consumer Credit Commissioner at the time of application and at the time of renewal.

Texas (OCCC) NLMS 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: PE education must be completed within 3yrs of new or subsequent license application

Texas (OCCC) 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 electives

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.

Texas (OCCC) Mortgage Licensing: More Information

Texas Office of Consumer Credit Commissioner

Phone: 800-538-1579

Email: licensing@occc.state.tx.us

Website: www.occc.state.tx.us 

NMLS Resources:

To view the Texas (OCCC) MLO License Description Page, please click here.

Professional Standards: Mortgage Education – click here

Professional Standards: Criminal Background Check – click here

Professional Standards: Credit Report – click here

Professional Standards: Mortgage Education – click here

Professional Standards: MLO Testing – click here