Get Your Hawaii MLO License
Obtaining your Hawaii Mortgage Loan Originator (MLO) license is the first step toward a rewarding career in the Islands. To qualify for a license, the NMLS requires all new Hawaii applicants to complete 23 hours of NMLS-approved education, including 3 hours of Hawaii-specific state law. Our comprehensive online MLO courses are NMLS approved to help you meet all Hawaii state MLO license requirements.
3 Easy Steps to obtain a Mortgage Loan Originator License in Hawaii
1
Complete our NMLS Approved 20-hr Course and our Hawaii approved 3-hour MLO Course. We provide both for just $189!
ENROLL HERE and start the course anytime!
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
23 Hours SAFE Comprehensive: Hawaii MLO Courses
This is the course needed to obtain your HI MLO license. Unlike most competitors, we don’t have confusing packages. We include your 3-hour Hawaii Laws Course AND our Exam Prep Course FREE, so you have everything in one package designed to get your mortgage license!
- 20 Hour Approved Course #16623
- 3 Hour Hawaii Laws Course #18699 ($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
- 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 Hawaii License too, you can enroll in our 3-hr HI 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 3-hour Hawaii Approved Mortgage Laws Course and a full Exam Prep Course. All three courses for just $189. You will be able to apply for a license with Hawaii Division of Financial Institutions (“DFI”) by completing the license application in your individual NMLS account.
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Hawaii 3-hour Mortgage Laws Course and Exam Prep Included Free
Our 3-hour Hawaii specific 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 package. We provide all of the training online needed to get your Hawaii MLO License.
A message from our Mortgage Loan Originator Education Instructor Rich Leffler about the training program
Why a Get Hawaii MLO License?
Working as a mortgage loan originator with a Hawaii MLO License provides exceptional opportunities due to the state’s high-demand real estate market and its unique position as a central Pacific hub. Hawaii’s mix of premium island properties, growing residential communities, and strong luxury markets creates significant earning potential for mortgage professionals.
Hawaii MLOs benefit from a dynamic economy anchored by tourism, military defense, and international investment, alongside a constant demand from local families, military members relocating to the islands, and second-home buyers. The state’s combination of world-class coastal regions, developing urban centers like Ho’opili and Kaka’ako, and a limited housing supply makes it a high-value, fast-paced market for mortgage professionals.
Whether you want to become a mortgage broker in Honolulu, Hilo, Kailua-Kona, Kapolei, Kihei, or Lihue, our Hawaii-specific mortgage loan originator course will provide the NMLS-approved education you need to get your license and succeed in the Islands.
Hawaii Mortgage Loan Originator License FAQs
Who is required to have a Hawaii MLO License?
In Hawaii, a license is required for any individual who, for compensation or gain, takes a residential mortgage loan application or offers/negotiates terms of a residential mortgage loan. This requirement extends to independent contractors performing originating, underwriting, or loan processing services. It is also mandatory for "Qualifying Individuals" of Hawaii mortgage companies and branch managers of each licensed Hawaii branch.
What are the Hawaii MLO license requirements?
To qualify for a Hawaii MLO license, applicants must meet the following pre-requisites:
- Complete a federal criminal background check.
- Authorize a credit check to determine financial responsibility, character, and general fitness.
- Complete at least 20 hours of NMLS-approved National pre-licensing education along with 3-hours of Hawaii state-specific education.
- Pass a qualified written test developed and administered by the NMLS.(SAFE MLO EXAM)
How many hours of pre-licensing education are required for a Hawaii MLO license?
Hawaii requires a total of 20 hours of NMLS-approved pre-licensing education. At 24hourEDU we provide the 3 hours of Hawaii state-specific after you pass the 20 core hours at no additional cost.
How much does a Hawaii MLO license cost?
The initial costs to obtain your license include several state and NMLS fees:
- Application Fee: $635.00.
- Mortgage Loan Recovery Fund Fee: $25.00.
- NMLS Processing Fee: $35.00.
- Sponsorship Fee: $100.00 state fee plus a $35.00 NMLS fee.
Is sponsorship required for a Hawaii MLO license?
Yes, your employer must submit a sponsorship request before your license can be approved and activated.
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FAQ's About Becoming an MLO in the USA
How much does a mortgage loan originator make on average in the United States?
According to a study performed by GLASSDOOR on June 6th, 2024, the average salary for a mortgage loan originator is around $177,000 per year with the top MLO’s making over $240,000 per year.
What does mortgage license training involve?
Mortgage license training involves completing the 20-hour pre-licensure education course, passing a national exam, and meeting state-specific requirements. The training covers topics such as federal and state mortgage laws, ethics, loan origination, and consumer protection.
How long does mortgage license training typically take?
The duration of mortgage license training can vary, but most aspiring MLOs can complete the required pre-licensure education in 20-30 hours. This includes additional time for exam preparation. 24hourEDU includes a complete exam prep course for the SAFE MLO National Exam free of charge with our 20 Hour SAFE Comprehensive: Online (OIL) – Mortgage Loan Originator Course.
- 3 hours of ethics
- 2 hours of non-traditional mortgage lending
- 12 hours of electives – Our online MLO course dedicates all of these hours to preparing you for the SAFE MLO test for mortgage loan originator licensing.
What are the educational requirements for mortgage license training?
The SAFE Act requires a minimum of 20 hours of pre-licensure education, which includes 3 hours of federal law, 3 hours of ethics, 2 hours of non-traditional mortgage lending, plus 12 hours of general mortgage origination electives. Other states may require additional hours.
How much does 24hourEDU’s mortgage license training cost?
The 24hourEDU 20-hour course costs just $189! The cost of mortgage pre-licensure education with other courses can range from $300 to $800 plus they have additional costs for exam prep courses and NMLS hour reporting fees. 24hourEDU does not nickel and dime you on this. We include exam prep and the NMLS hour reporting fees in our tuition. Some students also ask: Why is 24hourEDU so cheap? By keeping our tuition affordable, we get to train more MLO students than any other school, so that is a win for us. By having the best price, we also help students get their mortgage license without spending an arm and a leg on the training. Everybody wins.
Can I complete mortgage license training online?
Yes, the 24hourEDU NMLS-approved course offers online mortgage license training. This allows for flexible scheduling and online learning, making it convenient for those who are working or have other commitments. Per NMLS regulations, the 20-hour course must be completed in 14 days or less from the start date. All of the training and testing to pass your 20 Hour SAFE Comprehensive: Online (OIL) – Mortgage Loan Originator Course will be done online in our learning management system.
Is there an exam I need to pass after completing mortgage license training?
Yes, after completing the pre-licensure education, you must pass the SAFE Mortgage Loan Originator Test. Our training includes guidance to study for the national component and, for many states, a state-specific component. The exam tests your knowledge of mortgage lending practices and relevant laws.
What topics are covered in mortgage license training courses?
Mortgage license training courses typically cover federal and state mortgage laws, ethics, loan origination processes, financial calculations, credit analysis, types of mortgage products, and fair lending practices. 24hourEDU has specifically designed our course to prepare you for the SAFE MLO National Exam.
How often do I need to renew my mortgage loan originator license?
MLO licenses must be renewed annually. The renewal process involves completing state continuing education requirements and paying a renewal fee. The NMLS Annual Renewal Period begins Nov. 1 each year. The renewal deadline each year is December 31st.
What is the NMLS, and how does it relate to mortgage license training?
The Nationwide Multistate Licensing System & Registry (NMLS) is the system of record for MLO licensing and registration. It manages the pre-licensure education, testing, and continuing education requirements for MLOs across the United States. You will learn all about the NMLS while completing our 20 Hour SAFE Comprehensive: Online (OIL) – Mortgage Loan Originator Course.
Can I work as an MLO while completing my mortgage license training?
You cannot work as an MLO while completing your training. You must first complete the pre-licensure education, pass the SAFE MLO test, and obtain your license before you can legally originate mortgage loans.
Are there different mortgage license training requirements for each state?
While the SAFE Act establishes minimum national standards that cover this state, other states have additional requirements for MLO licensing. These may include a few more hours of state-specific pre-licensure education, or a different process for background check requirements.
What career opportunities are available after completing mortgage license training?
After completing mortgage license training and obtaining your license, you can work as an MLO in various settings, including banks, credit unions, mortgage companies, or as an independent broker. With experience, you might advance to roles such as team leader, branch manager, or even open your own mortgage brokerage.
Is 24hourEDU legit? Can I get my mortgage license hours by taking an online course?
Yes, the 20 Hour SAFE Comprehensive: Online (OIL) – Mortgage Loan Originator Course by 24hourEDU is 100% approved by the NMLS so you can get the core hours required to apply for a mortgage loan origination license. 24hourEDU is an approved NMLS Course Provider listed in the NMLS list of approved online mortgage education providers under ID: 1405107.
