What it takes to get a mortgage loan officer license in Connecticut
Connecticut Mortgage Loan Originator License Requirements
Issued by Connecticut Department of Banking
Total Course Hours
21 hrs
National & Elective
20 hrs
Connecticut-Specific
1 hrs
License Fee
$300
Of the 21 hours, 1 must cover Connecticut law and rules and the other 20 are the national SAFE Act topics and electives. That is 1 more than the federal minimum of 20.
One of the states that genuinely adds hours: 21 in total, the federal 20 plus 1 more, with 1 of them covering Connecticut law. A generic 20-hour SAFE course leaves you 1 hours short here.
Requirements verified 2026-08-11 against the official source.
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How to become a mortgage loan officer in Connecticut
Originating mortgage loans in Connecticut takes 21 hours of pre-licensing education from a provider approved by the Nationwide Multistate Licensing System, usually written NMLS. Connecticut Department of Banking issues the license and calls it the Connecticut Mortgage Loan Originator License.
Connecticut asks for more than the national floor. The Secure and Fair Enforcement for Mortgage Licensing Act, the SAFE Act, sets a minimum of 20 hours everywhere. Connecticut requires 21, and 1 of them must cover Connecticut law. A bare national course is 1 hours short here before the state component is even counted.
Continuing education is a separate annual obligation and it does not track the pre-licensing rules. Connecticut wants 8 hours every year, 1 of them on Connecticut law.
Connecticut Department of Banking charges $300 to apply for the Connecticut Mortgage Loan Originator License. NMLS charges its own processing fees on top of that and those are the same in every jurisdiction, so the license costs more than the state's own figure suggests. The cost breakdown adds up the whole stack.
4 providers in this comparison sell pre-licensing courses for Connecticut, priced from $36 to $629. Read the coverage column before the price column: a package that skips the 1 Connecticut hours is cheaper and does not get you licensed.
Connecticut mortgage license FAQ
How many hours of coursework do I need to become a loan officer in Connecticut? ▾
21 hours in total, of which 1 must cover Connecticut law and rules and the remaining 20 are the national SAFE topics and electives. Note that the 1 Connecticut hours are on top of the federal 20. Every hour has to come from an NMLS-approved course provider.
What exam do I have to pass in Connecticut? ▾
The SAFE Act national test carrying uniform state content. Every state and territory has adopted it, so there is no separate Connecticut exam behind it. You need 75 percent to pass.
What does the license itself cost in Connecticut? ▾
$300 to Connecticut Department of Banking, plus the fees NMLS charges to process the application. Course tuition is separate and varies by provider. The cost breakdown page has the full stack.
Do I need a surety bond in Connecticut? ▾
We have not confirmed this against Connecticut's own rules yet, so check with Connecticut Department of Banking before you budget for one. Under the federal SAFE Act an originator has to be covered by a bond, but in most states an employee is covered by their employer's.
What does a Connecticut mortgage license cost in total?
Course tuition is only part of it. See the full stack of state and NMLS fees.