Loan Originator License in Washington
Quick Answer
Washington requires 22 hours of pre-licensing education (including 4 hours WA law), passing both national and state SAFE MLO tests ($143 total), a high school diploma, and a background check.
- Education Required
- 22 hours
- Exam
- NMLS SAFE MLO Test
- Total Cost
- $300 (est.)
- Timeline
- 1-3 months
- Background Check
- Required
- Renewal
- Every Annually (December 31)
Requirements
Loan Originator license in Washington
Estimated Costs Est.
- Exam Fee
- $143
- Total Estimated Cost
- $300
Cost Breakdown
Estimated costs for getting your Loan Originator license in Washington. Values marked "Est." are extracted from official descriptions.
Enter the cost of your pre-licensing education program
Fees marked "Est." are extracted from official descriptions and may not reflect current pricing. Verify with the Washington licensing board.
Loan Originator Salary in Washington
Entry Level
$36,940
Median
$77,040
Experienced
$150,940
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 Washington.
- 1
Submit Background Check
Background check required
- 2
Pass the Required Exam
Both state and third-party exams required — NMLS SAFE MLO Test
- 3
Submit Your Application
File your application with the licensing agency.
- 4
Receive Your License
Processing typically takes 1-3 months.
Loan Originator Licensing in Washington: What to Know
Washington licenses loan originators through the Department of Financial Institutions. The COS listing provides detailed requirements: applicants must pass the national and state mortgage loan originator tests at a cost of $143 for both, have a high school diploma or equivalent, complete 22 hours of NMLS-approved pre-licensing education (including 4 hours of Washington law), undergo a criminal background check, and authorize a credit report. Washington goes beyond the federal 20-hour minimum by requiring 2 additional hours including 4 hours of Washington-specific law content. Both state and third-party exams are required.
Frequently Asked Questions
- How much does a Loan Originator license cost in Washington?
- The estimated total cost is $300, including application fees, exam fees ($143), and education costs.
- How long does it take to get a Loan Originator license in Washington?
- 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 Washington?
- You need to pass the NMLS SAFE MLO Test. Both state and third-party exams required
Considering another state?
Compare Loan Originator requirements across states.
View all states →Data from CareerOneStop (DOLETA/DEED). Last updated: February 15, 2026.