How to Get a Mortgage Loan Officer License in Miami, Florida
Last updated: March 2, 2026
Quick Facts — Miami
Median Salary (National)
$69,990/yr
Education Required
20 hrs
Total Cost
$1,200
City Population
449,514
Mortgage Loan Officer licensing in Miami follows Florida's statewide requirements — the Florida Office of Financial Regulation issues all mortgage loan officer licenses regardless of which city you're in. You'll need to complete 20 hours of pre-license education , pass the NMLS SAFE MLO Test, and submit your application. The total cost ranges from $700 to $1,700. For the complete step-by-step process, see our Florida mortgage loan officer license guide.
Florida Mortgage Loan Officer Requirements
| Requirement | Details |
|---|---|
| Minimum Age | 18 years old |
| Pre-License Education | 20 hours |
| Degree Required | No |
| Exam Required | Yes — NMLS SAFE MLO Test |
| Passing Score | 70% |
| Background Check | Yes |
| Broker Sponsorship | Not required |
| Application Fee | $195 |
| Exam Fee | $110 |
| Governing Body | Florida Office of Financial Regulation |
| License Reciprocity | Partial |
These requirements apply statewide in Florida, including Miami and Miami-Dade County. See the full Florida guide for step-by-step instructions →
Working as a Mortgage Loan Officer in Miami
Miami (449,514 population) is a major city in Florida, located in Miami-Dade County. Mortgage Loan Officers in the Miami area serve a sizable local population, creating strong demand for licensed professionals.
The national median salary for mortgage loan officers is $69,990 per year. Actual earnings in Miami may vary based on local cost of living, experience level, employer, and specialization.
Once licensed by the Florida Office of Financial Regulation, your is valid throughout Florida — you can work in Miami, Miami-Dade County, or any other location in the state without additional local licensing . Your license must be renewed every 1 year with 8 hours of continuing education at a cost of $195.
How Much Does It Cost?
Education/Training
$1,155
Exam Fee
$110
Application Fee
$195
Total Estimate
$700 – $1,700
Costs are the same across Florida — Miami residents pay the same state fees. Living expenses and school tuition may vary by location.
Frequently Asked Questions
How long does it take to get a mortgage loan officer license in Florida?
Most people complete the process in 2-4 weeks total. The pre-license education (20 hours) takes the longest. After completing education, the exam and application process typically adds 2-6 weeks.
How much does it cost to get a mortgage loan officer license in Florida?
The total cost ranges from $700 to $1,700, including pre-license education, the application fee ($195), and the exam fee ($110).
Can I get a Florida mortgage loan officer license with a criminal record?
The Florida Office of Financial Regulation evaluates criminal history on a case-by-case basis. Having a criminal record does not automatically disqualify you, but certain offenses may affect your eligibility. Contact the Florida Office of Financial Regulation for guidance before applying.
Do I need a college degree to become a mortgage loan officer in Florida?
No. Florida does not require a college degree. You only need to complete the 20 hours of approved pre-license courses.
Can I take the pre-license courses online in Florida?
Many approved education providers offer pre-license courses online, allowing you to study at your own pace. Check the Florida Office of Financial Regulation website for a list of approved providers.
Complete Florida Mortgage Loan Officer License Guide
For detailed step-by-step instructions, exam prep tips, renewal information, and key considerations, see our comprehensive Florida guide.
Read Full Florida Guide →