Schools for Mortgage Loan Officer Are you searching for the top schools for mortgage loan officer training? Whether you're just starting your career or looking to upgrade your credentials, choosing the right education provider can make all the difference. In this article, we’ll highlight the top mortgage loan officer training programs, what to expect from each, and how to choose the right school for your goals.
→ Read more: The Ultimate Guide to Mortgage Loan Officer Training Programs
Do You Need School to Become a Mortgage Loan Officer?
Becoming a mortgage loan officer doesn't always require a traditional degree, but completing mortgage loan officer schools or training programs can help you:
- Pass the NMLS SAFE exam
- Understand federal and state lending laws
- Master loan origination processes
- Build client service and sales skills
Most states require you to complete pre-licensing education, making these schools essential for anyone serious about the career.
→ Read more: How to Become a Mortgage Loan Officer in Texas
Best Schools for Mortgage Loan Officer Certification
Best Schools for Mortgage Loan Officer Certification1. Mortgage Educators and Compliance
Mortgage Educators and Compliance is one of the most popular schools for mortgage loan officer training. They offer:
- 20-hour NMLS SAFE pre-licensing courses
- Test prep bundles and continuing education
- Flexible online classes and live webinars
Website: mortgageeducators.com
Estimated Cost: $250 - $450
2. The CE Shop
The CE Shop is a leading online provider for mortgage licensing and real estate education. Known for its user-friendly platform, they provide:
- State-specific courses for all 50 states
- Interactive content with real-world scenarios
- Exam prep packages with practice tests
Website: theceshop.com
Estimated Cost: $200 - $400
3. OnCourse Learning
For those who prefer a self-paced online experience, OnCourse Learning offers mortgage loan officer courses that meet national standards.
- 20-hour SAFE course
- Test simulations
- Post-licensing and continuing education options
Website: oncourselearning.com
Estimated Cost: $300 - $500
4. Kaplan Mortgage Education
Kaplan is a well-known name in financial and real estate education, offering:
- Comprehensive loan officer training
- State and federal law coverage
- Practice exams and instructor support
Website: kapre.com/mortgage
Estimated Cost: $350 - $600
5. Loan Factory Training (Bonus Recommendation)
If you want real-world knowledge and mentorship, Loan Factory's in-house training program is the ideal add-on to your education. Led by Thuan Nguyen, the #1 Loan Officer in the U.S., you’ll learn not only how to pass your licensing but how to succeed in the business.
Benefits Include:
- Free weekly training from top producers
- Access to cutting-edge tech (MOSO platform)
- Support closing a wide range of loans: residential, commercial, land, mobile homes, etc.
→ Read more: 4 Must-Know Mortgage Loan Officer Training Programs Near Me
How to Choose the Right Mortgage Loan Officer School
Look for NMLS-Approved Programs
Only enroll in NMLS-approved schools for mortgage loan officer licensing. This ensures your education counts toward your license requirements.
Consider Your Learning Style
- Prefer self-paced online learning? Choose The CE Shop or OnCourse Learning.
- Want live webinars or in-person classes? Consider Mortgage Educators.
- Need ongoing mentorship & tech training? Join Loan Factory for hands-on support.
Compare Pricing & Course Features
While prices range from $200 to $600, what matters most is the value:
- Does the school provide practice exams?
- Will you get state-specific content?
- Is there ongoing career support?
→ Learn more: How long does it take to become a mortgage loan officer?
Launch Your Mortgage Career with the Right Training + the Right Company
Getting licensed is only the first step. If you want to succeed as a top-producing loan officer, you'll need more than a certificate — you'll need the right platform, support, and mentorship.
At Loan Factory, you get:
- Free MOSO tech platform to streamline your loans
- Free training from Thuan Nguyen, the nation’s #1 loan officer
- Access to 217 lenders for every loan type
- 100% commission minus a flat fee ($595)
- No desk fees, no minimum production, no monthly fees
→ Read more: Who is Thuan Nguyen?
Ready to Start Your Mortgage Career?
Launch Your Mortgage Career with the Right Company - Loan Factory Join our free webinar to learn more: www.loanfactory.com/loan-officer. Or call us today at 714-591-8143 to speak with our team about your career goals.
→ Want to see what others say? Read our reviews!
FAQs: Your Path to Becoming a Licensed Loan Officer
Your Path to Becoming a Licensed Loan Officer1. What education do I need to become a mortgage loan officer?
To become a licensed Mortgage Loan Officer (MLO) in the United States, you must complete a minimum of 20 hours of NMLS-approved pre-licensing education. This foundational course covers federal laws, ethics, and mortgage origination. Many states also require additional state-specific hours, so be sure to check the requirements for the state where you plan to be licensed.
2. How quickly can I complete my MLO course and pass the NMLS exam?
You can complete the 20-hour SAFE course in as little as a few days, as many top schools offer expedited, instructor-led formats. However, passing the NMLS exam requires dedicated study time beyond the course. Most candidates spend two to three weeks reviewing material before taking the test. Your speed to licensure ultimately depends on your study habits and the quality of your chosen school's test prep resources.
3. What makes a mortgage loan officer school one of the "best"?
The best MLO schools share several key traits that directly contribute to student success. When comparing options, look for:
- High NMLS Exam Pass Rates: This is the most crucial indicator of a school's effectiveness.
- Experienced Instructors: Top schools employ current or former industry professionals who provide real-world insights.
- Comprehensive Test Prep: Look for schools that offer practice exams, study guides, and "pass guarantee" policies.
- Flexible Learning Formats: Whether you prefer self-paced online courses, live webinars, or in-person classes, the best schools offer options to fit your learning style.
4. Are online NMLS courses better than in-person classes?
Both online and in-person formats are effective; the best choice depends on your personal learning style. Online NMLS courses offer unmatched flexibility, allowing you to study anytime, anywhere. In-person classes provide a structured environment and direct interaction with instructors and peers. Top-tier schools ensure their curriculum is equally impactful, regardless of the format.
5. What happens after I pass the NMLS exam?
Passing the NMLS exam is a major milestone, but not the final step. After passing, you must still apply for your MLO license through the NMLS. This process includes submitting to a criminal background check and a credit report review. Most importantly, you must be sponsored by a licensed mortgage lender or brokerage, like Loan Factory, to officially begin working as a loan officer.
