About Mortgage License Hub

This site is built and run by Anthony Greco, a software engineer and data nerd who got interested in this because the numbers were scattered and nobody had put them in one place. He has never held a mortgage license. Everything here is read off the regulator's own material rather than written from industry experience, which is why every figure carries the date it was checked and a link to where it came from.

It exists because of a missing layer I had already spent a long time inside. An earlier project in another licensing category needed the same thing first: every jurisdiction's requirements aggregated into clean structured data, because nobody published them that way and nothing could be compared until somebody did. Mortgage licensing turned out to have the same gap and a meaner version of it. The coursework splits across a federal layer and a state layer, providers sell those layers as separate products, and the two are very easy to mix up when you are new and shopping on price.

There is a particular irritation, familiar to anyone who writes software, in finding something left at ninety percent. Nothing at all is a clean start. Ninety percent just sits there being nearly useful. So the data got built, and then the site got built on top of it.

Where the requirement data comes from

Hour requirements for all 51 jurisdictions are read from the state-specific education table published by the Nationwide Multistate Licensing System, usually written NMLS. That table is treated as the authority: where our own note and that table disagree, our note is wrong. Fees, license names, regulators and bond rules are read from each agency's own material.

Every requirement card on the site carries the date it was last checked and a link to the source it was read from. That date is the whole accuracy claim. There is no credentialed reviewer here, no editorial board, no panel of industry experts, and no photograph beside a job title, because there is one person and he is an engineer. A verified date you can click is worth more than a badge anyway.

The other half of that is admitting the gaps. Where a fee or a surety bond rule has not been read off a primary source, the page prints "unconfirmed" instead of a number. That standard is not decorative: a secondary summary put the NMLS set-up fee at $30 when the fee is $35, which is exactly how a wrong number gets into a total someone is budgeting against.

What this site deliberately does not have

• Pass rates by provider. NMLS publishes national exam figures only. There is no per-provider, per-state rate to report, so none is reported. A number invented to fill that column would be the single most damaging thing on the site.
• Star ratings and reviews. We did not collect any, so there are none, and there is no review markup in the page code claiming otherwise.
• Every provider in the country. 5 providers are listed, each one carrying the NMLS approved course provider number we checked it against. A provider whose number we could not resolve is left out rather than listed on trust.
• Advice. This is a career education site. It does not comment on loan products, interest rates, or what any borrower should do, and it is not the place to look for that.

What this site is not

Mortgage License Hub is not affiliated with, endorsed by, or run by the Nationwide Multistate Licensing System (NMLS), the Conference of State Bank Supervisors, any state financial regulator, or any other government or licensing body. NMLS is a system name owned by a subsidiary of the Conference of State Bank Supervisors, and it appears here only to describe the requirements that system publishes.

Nothing on this site is legal, financial, or career advice. Confirm anything that matters with your own regulator before you spend money on it.

20 hours of coursework, one exam and a stack of fees is a real amount of money for somebody starting out, and a wrong number here is money out of their pocket. That is why every figure is dated and linked back to the source it came from, so you can check it against the regulator yourself before you spend anything.