What it takes to get a mortgage loan officer license in Mississippi
Mississippi Mortgage Loan Originator License Requirements
Issued by Mississippi Department of Banking and Consumer Finance
Total Course Hours
20 hrs
National & Elective
16 hrs
Mississippi-Specific
4 hrs
License Fee
$301
Of the 20 hours, 4 must cover Mississippi law and rules and the other 16 are the national SAFE Act topics and electives.
20 hours in total, 4 of them on Mississippi law. Those 4 come out of the 20 rather than being added to it, so the total is the same as a state with no requirement at all, but a generic national course still will not satisfy it.
Requirements verified 2026-08-11 against the official source.
Some links below are paid placements: we may earn a commission if you enroll through one. It does not change what you pay, which providers are listed, or the prices recorded here. How this works.
Showing 4 of 4 courses
Provider profiles
How to become a mortgage loan officer in Mississippi
Originating mortgage loans in Mississippi takes 20 hours of pre-licensing education from a provider approved by the Nationwide Multistate Licensing System, usually written NMLS. Mississippi Department of Banking and Consumer Finance issues the license and calls it the Mississippi Mortgage Loan Originator License.
The number to slow down on is the 4. Mississippi requires 4 of those 20 hours to cover its own mortgage law, and they come out of the 20 rather than being added on top of them. So the total matches a state that asks for nothing of its own, which is exactly what catches people out: a generic 20-hour national course looks like the whole requirement and leaves you 4 hours short of a Mississippi license.
Mississippi Department of Banking and Consumer Finance charges $301 to apply for the Mississippi 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 Mississippi, priced from $89 to $659. Read the coverage column before the price column: a package that skips the 4 Mississippi hours is cheaper and does not get you licensed.
Mississippi mortgage license FAQ
How many hours of coursework do I need to become a loan officer in Mississippi? ▾
20 hours in total, of which 4 must cover Mississippi law and rules and the remaining 16 are the national SAFE topics and electives. Note that the 4 Mississippi hours come out of the 20 rather than being added to it, so a generic 20-hour SAFE course will not cover them. Every hour has to come from an NMLS-approved course provider.
What exam do I have to pass in Mississippi? ▾
The SAFE Act national test carrying uniform state content. Every state and territory has adopted it, so there is no separate Mississippi exam behind it. You need 75 percent to pass.
What does the license itself cost in Mississippi? ▾
$301 to Mississippi Department of Banking and Consumer Finance, 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 Mississippi? ▾
We have not confirmed this against Mississippi's own rules yet, so check with Mississippi Department of Banking and Consumer Finance 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 Mississippi mortgage license cost in total?
Course tuition is only part of it. See the full stack of state and NMLS fees.