What it takes to get a mortgage loan officer license in Maine
Maine Mortgage Loan Originator License Requirements
Total Course Hours
20 hrs
National & Elective
20 hrs
Maine-Specific
None
License Fee
$80
All 20 hours are the national SAFE Act topics and electives. Maine designates none of them to state law.
Maine 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 Maine will not necessarily satisfy a neighboring one.
Maine requires every originator to meet either a surety bond or a minimum net worth requirement, and an originator who is an employee or exclusive agent of a licensed company is covered by that company'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 Maine
Originating mortgage loans in Maine takes 20 hours of pre-licensing education from a provider approved by the Nationwide Multistate Licensing System, usually written NMLS. Maine Bureau of Consumer Credit Protection issues the license and calls it the Maine Mortgage Loan Originator License.
Maine Bureau of Consumer Credit Protection charges $80 to apply for the Maine 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 Maine, 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.
Maine mortgage license FAQ
How many hours of coursework do I need to become a loan officer in Maine? ▾
20 hours, none of which Maine designates to state law. The course has to come from an NMLS-approved provider.
What exam do I have to pass in Maine? ▾
The SAFE Act national test carrying uniform state content. Every state and territory has adopted it, so there is no separate Maine exam behind it. You need 75 percent to pass.
What does the license itself cost in Maine? ▾
$80 to Maine Bureau of Consumer Credit Protection, 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 Maine? ▾
Yes. Maine requires every originator to meet either a surety bond or a minimum net worth requirement, and an originator who is an employee or exclusive agent of a licensed company is covered by that company's bond rather than buying their own.
What does a Maine mortgage license cost in total?
Course tuition is only part of it. See the full stack of state and NMLS fees.