Vermont License Requirements

Get an understanding of mortgage lending and insurance state licensing and continuing education requirements

Course Search

Vermont Mortgage License Requirements

Learn about the Vermont mortgage education requirements for mortgage licensing.

In the state of Vermont, 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. Employed (W2) and sponsored by a company licensed as a lender, mortgage broker, and/or loan servicer by the State of Vermont. Dual sponsorship is not permitted.
  6. Licensed and in good standing in state of residence.

Vermont 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
  • 10 hours of non-traditional mortgage lending training
  • 2 hours of Vermont state-specific education 

Note: PE must be completed during the 3 years immediately preceding the date of application.


Vermont 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.

Vermont Mortgage Licensing: 

NMLS Resources: