Loan Originator License in Arizona
Quick Answer
Arizona requires MLOs to be licensed under ARS 6-991 through the Department of Insurance and Financial Institutions, with SAFE Act education, testing, and background check requirements.
- Education Required
- 20 hours
- Exam
- NMLS SAFE MLO Test
- Timeline
- 1-3 months
- Renewal
- Every Annually (December 31)
Requirements
Loan Originator license in Arizona
Loan Originator Salary in Arizona
Entry Level
$29,910
Median
$53,760
Experienced
$108,630
Source: Bureau of Labor Statistics. Salary data is for informational purposes only.
How to Get Licensed
Step-by-step roadmap to becoming a licensed Loan Originator in Arizona.
- 1
Submit Your Application
File your application with the licensing agency.
- 2
Receive Your License
Processing typically takes 1-3 months.
Loan Originator Licensing in Arizona: What to Know
Arizona licenses mortgage loan originators through the Department of Insurance and Financial Institutions under ARS 6-991. The COS database provided only a statute citation with no specific fee, education, or exam details. Under federal SAFE Act requirements, Arizona MLOs must complete at least 20 hours of NMLS-approved pre-licensing education, pass the NMLS SAFE MLO Test, submit to a background check, and authorize a credit report. All applications are processed through the NMLS. Arizona requires a surety bond and may have additional state-specific education hours beyond the federal minimum.
Frequently Asked Questions
- How long does it take to get a Loan Originator license in Arizona?
- The process typically takes 1-3 months, depending on education completion and exam scheduling.
- What exam do I need for a Loan Originator license in Arizona?
- You need to pass the NMLS SAFE MLO Test. N/A
Considering another state?
Compare Loan Originator requirements across states.
View all states →Data from CareerOneStop (DOLETA/DEED). Last updated: February 15, 2026.