How to Become a Licensed Mortgage Loan Originator (MLO)
Follow these steps to get licensed and start originating with our modern lending platform.
Get Licensed with Training & Sponsorship
Take our Pre-License & Sponsorship Course to complete your required education, prepare for your exam, and have your license sponsored by The Mortgage Calculator.
Join our team as a loan originator and start a fulfilling career helping people achieve homeownership. We provide comprehensive training, competitive compensation, and ongoing support to help you succeed.
Start the Course Apply for SponsorshipSteps to Get Your Mortgage Loan Originator License
All licensure is managed by NMLS. Complete these steps, then join The Mortgage Calculator as an MLO.
1) Confirm eligibility — meet basic NMLS/state requirements.
2) Complete 20-hour NMLS education — available via our approved course.
3) Pass the national SAFE exam — schedule through NMLS.
4) Background check & fingerprints — submit via NMLS.
5) Get sponsored — apply to join The Mortgage Calculator.
6) Apply for state license — file in NMLS and pay applicable fees.
7) Launch with our platform — start originating loans.
Why Join The Mortgage Calculator
- 5,000+ loan programs across Conventional, FHA, VA, USDA, Non-QM, DSCR
- AI-powered CRM, LOS, and POS — one login for you and clients
- Instant quotes with automated updates in a secure portal
- Live training, mentorship, and compliance support
- Compensation plans up to 275 BPS
- Access to company leads and marketing support
The Mortgage Calculator Licensed States Map
FAQs
How long does licensing take?
Many complete education/testing in a few weeks; state processing times vary.
Do I need prior experience?
No. We provide training, support, and a modern portal to help you ramp quickly.
Can you sponsor me?
Yes — apply and we’ll guide you through sponsorship and state licensing.
Loan Officer FAQ
Top questions from prospective MLOs. Click a question to read the answer.
About The Mortgage Calculator
The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) specializing in using technology to provide access to Conventional, FHA, VA, and USDA Programs, as well as thousands of Non-QM mortgage loan variations.
Our team of over 450 licensed Loan Originators can assist with Bank Statement Mortgages, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages, and thousands more!
Ready to Start?
Enroll in the 20-Hour NMLS Course or apply to join our team today.
Start Pre-License Course Apply as Loan Officer