Connecticut MLO License
Mortgage Loan Originator requirements for Connecticut
NMLS Required: All Connecticut MLO applications must be submitted through the Nationwide Multistate Licensing System (NMLS).
Pre-Licensing Education
Complete 21 hours of NMLS-approved pre-licensing education. including 1 hours of Connecticut-specific content. This exceeds the federal minimum of 20 hours.
Required Courses (21 hours total):
- • 3 hours federal law and regulations
- • 3 hours ethics (fraud, consumer protection, fair lending)
- • 2 hours nontraditional mortgage products
- • 12 hours electives
- • 1 hours Connecticut-specific content
Education must be completed through an NMLS-approved provider.
SAFE MLO Exam
National Component
115 scored questions + 5 unscored (3 hours 10 minutes)
State Component
Connecticut uses the National test with Uniform State Content
Passing Score
75% on both national and state components
Exam Fee
$110
Retake Policy: 30-day wait after failure; 180-day wait after 3rd failure
Background & Credit Check
Criminal Background
FBI criminal background check via fingerprinting
Credit Report
Required
Background Check Cost
$36
Credit Report Cost
$15
Credit report pulled by NMLS. Must demonstrate financial responsibility.
Company Sponsorship
Must be sponsored by a Connecticut-licensed mortgage lender or broker
Your license will remain in pending status until employing sponsorship is verified with NMLS.
Fee Breakdown
| NMLS Processing Fee | $30 |
| State License Fee | $300 |
| Examination Fee | $110 |
| Background Check | $36 |
| Credit Report | $15 |
| Total Fees | $491 |
Does not include pre-licensing education costs ($200-$400).
Annual Renewal
Renewal Period
November 1 - December 31 annually
Renewal Fee
$300
CE Required
8 hours annually
Online Renewal
Yes (via NMLS)
8 hours annually: 7 hrs NMLS core education (3 hrs federal law, 2 hrs ethics, 2 hrs nontraditional lending) plus 1 hr Connecticut state-specific elective. Must be NMLS-approved.
Connecticut Department of Banking
- Official Website
- (860) 240-8200
Helpful Tools
Last verified: 2026-01-12