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Alabama Mortgage License Requirements

Learn about the Alabama mortgage education needs and additional requirements for mortgage licensing. 
In the state of Alabama, mortgage loan originators are required to:

  1. Complete a Criminal Background Check (CBC)
  2. Authorize a credit report through the NMLS
  3. Fulfill all state and federal education requirements as designated by your state agency
  4. Take and pass a National Test with a grade of 75% or higher
  5. Must be covered by a surety bond in favor of the State of Alabama through the company that you are working for or individually obtain a surety bond
  6. Cannot have been convicted of any felony in the last 7 years
  7. Can never have been convicted of a felony that involved an act of fraud, dishonesty, breach of trust or money laundering

Alabama NLMS Pre-Licensing Education Requirements

New state-licensed MLOs are required to complete 20 hours of NMLS-approved education. This includes:

  • 3 hours of federal law
  • 3 hours of ethics
  • 2 hours of non-traditional mortgage lending training
  • 12 hours of electives

Alabama Continuing Education Requirements

State-licensed MLOs are required to complete 8 hours of NMLS-approved mortgage education annually beginning the year they are licensed (unless PE was completed in the same year). This includes:

  • 3 hours of federal law
  • 2 hours of ethics
  • 2 hours of non-traditional mortgage lending
  • 1 hour of electives

MLOs are advised that to comply with the SAFE Act’s “successive years” rule, they may not take the same CE course two years in a row.

Alabama Mortgage Licensing: More Information

State Banking Department of Alabama

Phone: 334-242-3452
Email: diana.anderson@banking.alabama.gov 
Website: www.banking.alabama.gov

NMLS Resources:

To view the Alabama MLO License Description Page, please click here 
Professional Standards: Mortgage Education – click here 
Professional Standards: Criminal Background Check – click here 
Professional Standards: Credit Report – click here 
Professional Standards: Mortgage Education – click here 
Professional Standards: MLO Testing – click here