Get Your Connecticut MLO License
Connecticut mortgage loan originators are required to be licensed. In order to apply for a license, applicants will complete 21-hours of NMLS approved education. Our online MLO courses are fully approved to meet the Connecticut & NMLS education requirements.
3 Easy Steps to obtain a Mortgage Loan Originator License in Connecticut
1
Complete our NMLS approved 20-hour Online MLO Course ($229) & then pass the 1-hour Connecticut Laws Course (included free)
ENROLL HERE to start the 20-hour course instantly
2
Pass your national mortgage exam:
Exam prep included free of charge (unlike other schools)
3
Apply for the MLO License:
We report your hours to the NMLS free of charge
20 Hour SAFE Comprehensive: Connecticut MLO Course
This is the course needed to obtain your Connecticut MLO license. Unlike most competitors, we don’t have confusing packages. We include our Connecticut mortgage laws course and our MLO exam prep course free, so you have everything in one package designed to get your CT MLO license!
- 20-Hour NMLS Approved Course #16623
- 1-Hour CT Laws Course Included #17753 ($49 value)
- Bonus Exam Prep Course Included FREE ($149 value)
- NMLS Hours Reporting Included Free ($30 value)
- Online Prerecorded Instructor Led Videos
- E-textbook Included (Downloadable PDF)
- Unlimited Phone & Email Support
- Bonus Marketing Videos Included FREE ($236 value)
- Fully Updated for 2026
If you already have an MLO license in another state and want to get a Connecticut License too, you can enroll in our 1-hr Connecticut MLO course for $49 by calling student support at (888) 405-4453.
Why so inexpensive compared to other mortgage schools?
Since we only offer online courses, we can keep our costs low and our price affordable unlike most of our competitors. Therefore, we get to train more students than the other schools, which is a win for us. By keeping our costs lower, we help you get started in a great career as an MLO without having to take out a loan for your training, so everybody wins.
Best Training - Best Service - Best Value
Our 20-hour NMLS Approved National Course will fully prepare you to pass the license exam. Once you complete this course, you will have immediate FREE ACCESS to our full MLO SAFE Exam Prep Course. Both courses for just $229. You will be able to apply for a license with the Connecticut Department of Banking. Once you complete the training, we will report your hours to your NMLS account free of charge.
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Connecticut 1-hour Mortgage Laws Course Included Free
Our 1-hour Connecticut mortgage laws course is included with the purchase of our 20-hour course. We also include our exam prep material in one easy to access MLO Licensing Course package. You will get everything you need to become a licensed mortgage loan originator in Connecticut .
A message from our Mortgage Loan Originator Education Instructor Rich Leffler about the training program
Why Connecticut is a Great Place to Become a Mortgage Loan Originator
Connecticut offers exceptional opportunities for aspiring mortgage loan originators due to its dynamic and resilient real estate market. The state’s unparalleled quality of life, renowned school systems, and strategic location between New York City and Boston continue to attract high-income professionals and families, creating consistent and robust demand for housing finance professionals. Connecticut’s diverse property market—from historic colonial homes in quaint villages and luxury waterfront properties along the coast to modern condos in bustling urban centers—allows originators to develop expertise across various loan types, including jumbo mortgages and specialized financing.
The state’s robust regulatory environment provides a clear framework for the licensing process, while its deep-rooted professional networks, particularly in the financial services sector, offer outstanding mentorship opportunities for newcomers. Connecticut’s housing market has demonstrated enduring value and stability, supported by strong economic fundamentals and persistent demand, which offers loan originators reliability and significant potential for long-term career growth.
Whether you’re serving clients in Stamford, Greenwich, Hartford, New Haven, Norwalk, Danbury, West Hartford, Fairfield, Bridgeport, or Milford, Connecticut’s vibrant communities provide abundant opportunities for mortgage professionals to build thriving careers while enjoying the state’s unique blend of historic New England charm and modern sophistication.
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CT MLO Licensing FAQ's
What are the pre-licensing education requirements in Connecticut?
To get your MLO license in Connecticut, you must complete 21 hours of NMLS-approved pre-licensing education. This is broken down into:
3 hours on federal laws and regulations.
3 hours covering ethics, including fraud, consumer protection, and fair lending.
2 hours on lending standards for non-traditional mortgage products.
12 hours of undefined electives on mortgage origination.
1 hour of Connecticut-specific laws and regulations.
What is a mortgage loan originator (MLO)?
A mortgage loan originator (MLO) is a professional who helps borrowers apply for and obtain mortgage loans. They assess borrowers’ financial situations, recommend appropriate loan products, and guide clients through the mortgage application process. Many people refer to the individual MLO as a mortgage loan officer or mortgage broker.
Do I need a license to become a mortgage loan originator?
Yes, you need a license to become a mortgage loan originator in the United States. This requirement was established by the SAFE Act of 2008 to ensure that MLOs meet minimum standards for education, testing, and background checks.
Do I need to pass an exam to get my CT MLO license?
Yes. You must pass the NMLS SAFE MLO National Test. A passing score is 75% or higher. This is a comprehensive exam that covers federal mortgage-related laws, MLO activities, and ethics. There is no longer a separate state-specific test for Connecticut; the national exam is the sole testing requirement.
How much does it cost to get an MLO license in Connecticut?
The total initial cost is approximately $500 to $750, though this can vary. The main fees include:
NMLS Initial Processing Fee: $30
FBI Criminal Background Check: ~$36.25
Credit Report Fee: $15
Connecticut License Fee: $300
SAFE MLO Test Fee: $110
Pre-licensing Course Fee: This varies by provider but typically ranges from $200 to $400.
What are the main steps in the CT MLO license application process?
Getting your license involves several key steps that you’ll manage through the NMLS website.
Create an NMLS Account: Your first step is to get an NMLS Unique Identifier.
Complete Pre-Licensing Education: Finish your 21 hours of NMLS-approved coursework.
Pass the SAFE MLO Test: Schedule and pass the national exam.
Submit Your Application (Form MU4): Complete and pay for your application through NMLS. This includes authorizing and paying for a criminal background check and a credit report.
Get Sponsored: You must be employed by and sponsored by a state-licensed mortgage company. Your license will not become active until your employer sponsors you through the NMLS.
Can I get an MLO license in Connecticut with a criminal record?
It depends on the nature of the crime. Under the federal SAFE Act, you cannot obtain an MLO license if you have ever been convicted of a felony involving fraud, dishonesty, a breach of trust, or money laundering. Additionally, you are generally ineligible if you have been convicted of any other felony within the past seven years. The Connecticut Department of Banking will review your criminal background check as part of the application process to determine eligibility.
Do I need a college degree to become a mortgage broker in Connecticut?
No, a college degree is not required to become a mortgage broker in Connecticut. You only need to have a high school diploma or GED, complete the required 21-hours of NMLS approved education, and pass the SAFE MLO Exam. Having some sales or customer service experience may give you an advantage when applying for positions with Connecticut mortgage brokerages.
