START YOUR MORTGAGE CAREER IN TEXAS
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20 Hour SAFE Comprehensive: MLO Pre-Licensure Course Packages
- 3 hours of Federal Law
- Uniform state content
- 3 hours of Ethics
- Loan inquiry
- 2 hours of Non-Traditional Mortgage Lending
20 Hour SAFE Comprehensive: MLO Pre-Licensure Course Packages
- 3 hours of Federal Law
- Uniform state content
- 3 hours of Ethics
- Loan inquiry
- 2 hours of Non-Traditional Mortgage Lending
20 Hour SAFE Comprehensive: MLO Pre-Licensure Course Packages
- 3 hours of Federal Law
- Uniform state content
- 3 hours of Ethics
- Loan inquiry
- 2 hours of Non-Traditional Mortgage Lending
Your Path to Becoming a Licensed Loan Originator
Follow these 5 simple steps to start your mortgage career in Texas
Complete Pre-Licensing Education
NMLS-Approved 20-Hour SAFE Course
Take the NMLS-approved 20-hour SAFE MLO pre-licensing course covering federal law, ethics, and mortgage origination practices.
Pass the SAFE MLO Test
National Test with Uniform State Content
Pass the National SAFE MLO Test with Uniform State Content (UST). Texas does not require a separate state test component.
Background Check & Credit Report
FBI & Financial Review
Submit to FBI criminal background check and credit report through NMLS. Texas reviews for financial responsibility and character.
Apply Through NMLS
Submit License Application
Submit your MLO license application through the NMLS system. Texas is regulated by the Department of Savings and Mortgage Lending.
Get Sponsored & Start Originating
Begin Your MLO Career
Secure sponsorship from a licensed Texas mortgage company and begin your career as a licensed Mortgage Loan Originator.
Frequently Asked Questions
Find answers to common questions about our mortgage courses
What are the requirements to become a Mortgage Loan Officer in Texas?
To become an MLO in Texas, you must complete 20 hours of NMLS-approved pre-licensing education, pass the SAFE MLO test, submit fingerprints for background checks, and apply through NMLS.
How long does it take to get a Texas MLO license?
Most candidates complete the process in 4-6 weeks. This includes completing the 20-hour education requirement, passing the exam, and processing the background check and application.
Is the Texas MLO license the same as a national license?
The SAFE MLO test has both national and state-specific components. Your Texas license allows you to work in Texas, and you can apply for additional state licenses through NMLS.
How much do Mortgage Loan Officers make in Texas?
According to industry data, Texas MLOs earn an average of $65,000-$95,000 per year, with top performers earning over $150,000. Compensation typically includes base salary plus commission.
What is the SAFE MLO exam pass rate?
The national pass rate is approximately 55-60%. Fortune Academy students achieve an 85% first-time pass rate due to our comprehensive curriculum and exam prep materials.