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Pennsylvania Mortgage Lending Resources

Licensing Requirements

The SAFE Act requires Pennsylvania licensed mortgage loan originators to meet minimum licensing standards. The minimum requirements to be a licensed mortgage loan originator in Pennsylvania are:
  1. Complete 20 hours of NMLS-approved prelicense education. The education must include a minimum of:
    • three hours of federal mortgage law;
    • three hours of ethics;
    • three hours of Pennsylvania mortgage law;
    • two hours related to the nontraditional mortgage market place.
  2. Pass the national component of the SAFE MLO Test and the Pennsylvania component of the SAFE MLO Test.
  3. Submit fingerprints to the NMLS for a criminal background check.
  4. Authorize a credit report within the NMLS.
  5. Register and obtain a Unique Identifier with the NMLS.
For information on Pennsylvania licensing requirements, visit the Pennsylvania Department of Banking website or the Nationwide Mortgage Licensing System website.