What it takes to get a mortgage loan officer license in Nevada
Nevada Mortgage Loan Originator License Requirements
Issued by Nevada Division of Mortgage Lending
Total Course Hours
30 hrs
National & Elective
26 hrs
Nevada-Specific
4 hrs
License Fee
$75
Of the 30 hours, 4 must cover Nevada law and rules and the other 26 are the national SAFE Act topics and electives. That is 10 more than the federal minimum of 20.
One of the states that genuinely adds hours: 30 in total, the federal 20 plus 10 more, with 4 of them covering Nevada law. A generic 20-hour SAFE course leaves you 10 hours short here.
Requirements verified 2026-08-11 against the official source.
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How to become a mortgage loan officer in Nevada
Originating mortgage loans in Nevada takes 30 hours of pre-licensing education from a provider approved by the Nationwide Multistate Licensing System, usually written NMLS. Nevada Division of Mortgage Lending issues the license and calls it the Nevada Mortgage Loan Originator License.
Nevada 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. Nevada requires 30, and 4 of them must cover Nevada law. A bare national course is 10 hours short here before the state component is even counted.
Nevada Division of Mortgage Lending charges $75 to apply for the Nevada 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 Nevada, priced from $89 to $669. Read the coverage column before the price column: a package that skips the 4 Nevada hours is cheaper and does not get you licensed.
Nevada mortgage license FAQ
How many hours of coursework do I need to become a loan officer in Nevada? ▾
30 hours in total, of which 4 must cover Nevada law and rules and the remaining 26 are the national SAFE topics and electives. Note that the 4 Nevada 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 Nevada? ▾
The SAFE Act national test carrying uniform state content. Every state and territory has adopted it, so there is no separate Nevada exam behind it. You need 75 percent to pass.
What does the license itself cost in Nevada? ▾
$75 to Nevada Division of Mortgage Lending, 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 Nevada? ▾
We have not confirmed this against Nevada's own rules yet, so check with Nevada Division of Mortgage Lending 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 Nevada mortgage license cost in total?
Course tuition is only part of it. See the full stack of state and NMLS fees.