Washington State Department of Financial Institutions

Apply For A Washington
Mortgage Loan Originator (MLO) License

Follow these steps to obtain a Washington MLO License

  1. Complete the following items before you apply for a license
    • Set up an account with NMLS:
      All applications for a MLO license must be made through this computer system. Be sure to list your full first, middle and last name as it appears on a passport or social security card. Create An Account Quick Guide (PDF)*
    • Pre-Licensing Education:
      Complete 22 hours of Pre-Licensing Education (PE), including 4 hours in Washington Law. Education Information
    • Testing:
      Meet one of the following three conditions:
      1. Pass both the National Test and Washington State Test*
      2. Pass both the National Test* and the Stand-alone Uniform State Test
      3. Pass the National Test with UST

      * The National Test and Washington State Test were retired effective March 31, 2013, but passing results are still valid for new applicants.

  2. After education and testing completion is posted in NMLS, apply for the
    • MLO Application:
      The application fee is $155 including the $30 NMLS System Fee. Application Quick Guide (PDF)*
    • Criminal Background Check:
      All new applications require fingerprinting through NMLS. Fingerprint Information.
    • Credit Report:
      All new applications require a credit report through NMLS. Credit Report Information.
    • Grant Access to Application:
      If you want an active MLO license, you must grant your employer access so they can submit a sponsorship request. Granting Access Quick Guide (PDF)*. You can get an inactive license if you do not have a sponsor.
  3. Check Application for Completeness

* The National Test and Washington State Test were retired effective March 31, 2013, but passing results are still valid for new applicants.


MLO Application Resources


Contact Us

If you have any questions about information on this webpage feel free to contact us by phone at (360) 902-8703 or toll free at 1-877 RING DFI (746-4334). You may also email us at dcs@dfi.wa.gov.

** This document is a PDF file, and you will need Adobe Acrobat Reader to view it. If you don't already have Acrobat Reader installed on your computer, you may download it for free from Adobe.

[Top]