Loan Originators License in Florida
Quick Answer
Florida requires 20 hours of NMLS-approved education, passing the SAFE MLO Test, a background check, and annual renewal through the Office of Financial Regulation.
- Education Required
- 20 hours
- Exam
- NMLS SAFE MLO Test
- Timeline
- 1-3 months
- Background Check
- Required
- Renewal
- Every Annually (December 31)
Requirements
Loan Originators license in Florida
Loan Originators Salary in Florida
Entry Level
$33,900
Median
$71,340
Experienced
$135,450
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 Originators in Florida.
- 1
Submit Background Check
No criminal record prohibitions
- 2
Submit Your Application
File your application with the licensing agency.
- 3
Receive Your License
Processing typically takes 1-3 months.
Loan Originators Licensing in Florida: What to Know
Florida licenses mortgage loan originators through the Office of Financial Regulation. The COS database provided only a statute citation without MLO-specific details. Under the federal SAFE Act, Florida MLOs must complete 20 hours of NMLS-approved pre-licensing education, pass the NMLS SAFE MLO Test with national and state components, undergo a criminal background check with fingerprinting, and authorize a credit report through NMLS. Florida requires 8 hours of annual continuing education including updates on federal law, ethics, and nontraditional lending. The surety bond or net worth requirement applies to mortgage companies, not individual MLOs.
Frequently Asked Questions
- How long does it take to get a Loan Originators license in Florida?
- The process typically takes 1-3 months, depending on education completion and exam scheduling.
- What exam do I need for a Loan Originators license in Florida?
- You need to pass the NMLS SAFE MLO Test. N/A
Considering another state?
Compare Loan Originators requirements across states.
View all states →Data from CareerOneStop (DOLETA/DEED). Last updated: February 15, 2026.