Mortgage Loan Originator Steps for Initial Licensure

Steps for Initial Licensure

Mortgage loan originator (MLO) licenses are issued on an annual calendar cycle, expiring on December 31st each year.

Step 1: Complete the Background Check Requirement

Step 2: NMLS Registration

Step 3: NMLS National Background Check

  • This in addition to submitting fingerprints to the Colorado Bureau of Investigations outlined in Step 1.

Step 4: Complete Qualifying Education

Step 5: Take the SAFE MLO Exam

Step 6: Acquire your E&O Insurance and Surety Bond 

Step 7: Complete the Division of Real Estate Initial License Application

  • (Step 2 must be completed before you can complete the online application.  Step 2 can take 24-48 hours to process once the NMLS registration is completed.)

Step 8: NMLS Update

  • Call the Division to update your NMLS online record with your NEW Colorado issued license number once your MLO license has been approved.  
  • Your NMLS record will be approved once this has been completed.

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