What it takes to get a mortgage loan officer license in New Hampshire
New Hampshire Mortgage Loan Originator License Requirements
Issued by New Hampshire Banking Department
Total Course Hours
20 hrs
National & Elective
18 hrs
New Hampshire-Specific
2 hrs
License Fee
$100
Of the 20 hours, 2 must cover New Hampshire law and rules and the other 18 are the national SAFE Act topics and electives.
20 hours in total, 2 of them on New Hampshire law. Those 2 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.
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How to become a mortgage loan officer in New Hampshire
Originating mortgage loans in New Hampshire takes 20 hours of pre-licensing education from a provider approved by the Nationwide Multistate Licensing System, usually written NMLS. New Hampshire Banking Department issues the license and calls it the New Hampshire Mortgage Loan Originator License.
The number to slow down on is the 2. New Hampshire requires 2 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 2 hours short of a New Hampshire license.
New Hampshire Banking Department charges $100 to apply for the New Hampshire 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 New Hampshire, priced from $70 to $639. Read the coverage column before the price column: a package that skips the 2 New Hampshire hours is cheaper and does not get you licensed.
New Hampshire mortgage license FAQ
How many hours of coursework do I need to become a loan officer in New Hampshire? ▾
20 hours in total, of which 2 must cover New Hampshire law and rules and the remaining 18 are the national SAFE topics and electives. Note that the 2 New Hampshire 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 New Hampshire? ▾
The SAFE Act national test carrying uniform state content. Every state and territory has adopted it, so there is no separate New Hampshire exam behind it. You need 75 percent to pass.
What does the license itself cost in New Hampshire? ▾
$100 to New Hampshire Banking Department, 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 New Hampshire? ▾
We have not confirmed this against New Hampshire's own rules yet, so check with New Hampshire Banking Department 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 New Hampshire mortgage license cost in total?
Course tuition is only part of it. See the full stack of state and NMLS fees.