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In the state of Georgia, mortgage loan originators are required to:

1. Complete a Criminal Background Check (CBC).
2. Authorize a credit report through the NMLS that demonstrates financial responsibility.
3. Fulfill all state and federal education requirements as designated by Georgia.
4. Take and pass a National Test.
5. Sponsored by a Georgia-licensed company.

Georgia 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
• 2 hours of non-traditional mortgage lending training
• 12 hours of electives

Note: The Georgia Nonpublic Postsecondary Education Commission requires acknowledgement of an enrollment agreement. Please acknowledge the enrollment agreement.

NOTE: Pre-licensing education must be completed within 3 years of new or subsequent license application

Georgia 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 Georgia state-specific education

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.

Georgia Mortgage Licensing:

• Georgia Department of Banking and Finance
• Phone: 770-986-1136
• Email: dbfmort@dbf.state.ga.us
• Website: dbf.georgia.gov

Note: Pre-licensure education will expire after three years without a valid mortgage loan originator license or federal registration.

NMLS Resources:

• Georgia MLO License Description Page
• Professional Standards: Mortgage Education
• Professional Standards: Criminal Background Check
• Professional Standards: Credit Report
• Professional Standards: MLO Testing

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