What it takes to get a mortgage loan officer license in Delaware
Delaware Mortgage Loan Originator License Requirements
Total Course Hours
20 hrs
National & Elective
20 hrs
Delaware-Specific
None
License Fee
$250
All 20 hours are the national SAFE Act topics and electives. Delaware designates none of them to state law.
Delaware designates none of the 20 hours to state law, so the federal SAFE course is the whole pre-licensing requirement here. That is not true in most states, and a course bought for Delaware will not necessarily satisfy a neighboring one.
Delaware requires every licensed originator to be covered by a surety bond, but an originator who is an employee or exclusive agent of a licensed lender or broker is covered by that employer's bond rather than buying their own.
Requirements verified 2026-08-11 against the official source.
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Provider profiles
How to become a mortgage loan officer in Delaware
Originating mortgage loans in Delaware takes 20 hours of pre-licensing education from a provider approved by the Nationwide Multistate Licensing System, usually written NMLS. Delaware Office of the State Bank Commissioner issues the license and calls it the Delaware Mortgage Loan Originator License.
Delaware Office of the State Bank Commissioner charges $250 to apply for the Delaware Mortgage Loan Originator License, plus $250 for license fee on approval. 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 Delaware, priced from $249 to $599. The lowest price on a provider's site is sometimes an add-on rather than a full pre-licensing course, so the table marks which packages cover the national hours.
Delaware mortgage license FAQ
How many hours of coursework do I need to become a loan officer in Delaware? ▾
20 hours, none of which Delaware designates to state law. The course has to come from an NMLS-approved provider.
What exam do I have to pass in Delaware? ▾
The SAFE Act national test carrying uniform state content. Every state and territory has adopted it, so there is no separate Delaware exam behind it. You need 75 percent to pass.
What does the license itself cost in Delaware? ▾
$250 to Delaware Office of the State Bank Commissioner, 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 Delaware? ▾
Yes. Delaware requires every licensed originator to be covered by a surety bond, but an originator who is an employee or exclusive agent of a licensed lender or broker is covered by that employer's bond rather than buying their own.
What does a Delaware mortgage license cost in total?
Course tuition is only part of it. See the full stack of state and NMLS fees.