How To Become A Mortgage Loan Officer

Become A Loan Officer!

You've made the decision to join the mortgage industry, now is there a way to become a loan officer, either through online, seminar, or self-study? Sure there is! The training you need - even where to take classes to be a loan officer - is all right here at The Mortgage Training Center.

What Does A Mortgage Loan Officer Do?

A visit to a Mortgage Loan Officer is the first step in getting a loan. Essentially, Mortgage Loan Officers starts the mortgage application process by gathering from potential borrowers the information needed to start that borrower's loan review process. This includes things like W2s, 1099s, bank statements, tax returns, etc.

Mortgage Loan Officers are responsible for working with the borrower to complete mortgage loan application, submitting the application to underwriting, following up on any additional information needed or requested from the underwriter, and communicating the loan decision to the potential borrower.

What Is The Difference Between A Mortgage Loan Officer And A Mortgage Loan Originator?

In simple terms, a Mortgage Loan Officer or a Mortgage Broker works for a licensed mortgage broker, whereas a Mortgage Loan Originator is typically an employee paid by a bank to originate mortgage loans.

Do You Need To Have A License To Be A Mortgage Loan Officer?

Mortage Loan Officers need to be licensed by the state in which they do business, which means they must complete the pre-licensing education requirements, pass the state and national SAFE / NMLS exam with a score of 75% or better, then take eight hours of annual continuing education courses to maintain their license.

Go to for more details, including the rules and requirements for your state.

About Our Mortgage Loan Officer Training Courses

Our Loan Officer training will teach you how to:
    Loan Officer Licensing
  • Take a loan application
  • Read a credit report
  • Understand a good faith estimate
  • Pre-qualify a buyer
  • Understand debt ratios
  • Interpret income and asset statements
All that and much, much more is available here as you continue your quest to become a loan officer online.

Find Loan Officer Online Training Courses

The Mortgage Training Center offers classroom, self-study, and online loan officer training courses. Either select a recommended class from the list below, or select "Loan Officer" and your state from the "Professional Development" section of the search box located at the bottom of this page.

Recommended Training Courses:

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Loan Officer Licensing

Do I Need A License To Become A Loan Officer?

Currently, different states have different rules for becoming a mortgage loan officer. You're probably asking yourself "do I need a license to become a loan officer". The answer is....maybe.

You'll need to check with your state's department of banking and finance. You can look them up locally or can find the contact info for most states at

If the answer to the question do I need a license to become a loan officer for your state is yes, come back to this page and perform a search for state-specific training by selecting "Loan Officer" and your state from the "Professional Development" section of the search box below.
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