How Do I Earn a Texas Loan Originator License?

5 Simple Steps to a Texas Loan Originator License!

If you have ever considered getting a Loan Originator license in Texas, now is the time! Below are the 5 beginning steps to get you started on your new career path. If you have any additional questions, contact a Career Counselor at your nearest campus to get the answers you need. Sign up today and take the steps towards your new career!

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Create an NMLS Individual User Account at

Visit to setup your username and password. Be Sure to bring your NMLS number to class.

Complete the required 23-Hour SAFE Comprehensive Course at Champions School of Mortgage Lending®

Students who apply for their LO License with NMLS will be required to complete the 20-Hour SAFE course, 3-Hour TX-SML SAFE: Texas Law and Practice, and pass the National Exam Component with UST (Uniform State Test). We offer a package containing everything necessary to satisfy these requirements.

Register for our Loan originator Exam PREP course - Both National and UST Sections

Register for our 3-day Loan originator Exam PREP course. Remember, once you pay the initial fee for the PREP you may re-take our PREP as many times as you want at no charge for one year!

Register and pass with a 75% or higher, the NMLS National Test Component and Uniform State Content Exam ($110)

There is a 30-day waiting period for exam retakes. If you do not pass after two retakes, there is a 6-month waiting period. A test enrollment must be requested and paid for in NMLS. The Test Enrollment function can be found under the Professional Requirements/Testing selection tab in NMLS after your MU4 log in.

The National Test with Uniform State Content consists of 125 multiple choice questions. Timed 190 minutes.

To enroll for an exam, please contact one of the test vendors below:
Submit MU4 Form to the National Licensing System as well as the Criminal Background Check, Fingerprints, and Credit Report Request.

Submit the MU4 Form through the NMLS website Through the MU4 log in - select Filing/Individual. The MU4 filing fee is $30. The application fee will vary by license type. Applicants are required to request a Criminal Background Check ($39) and the Credit Report Request function ($15).

  • MU4 Form Filing Quick Guide
  • Filing Fees
  • Steps for getting started with your Criminal Background Check
  • Instructions for submitting Criminal Background Check Request

Get Started Today with Pre-Licensing Education (PE)

We Also Offer Continuing Education (CE)

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