How to Get a Mortgage Loan Officer License in Atlanta, Georgia
Last updated: March 2, 2026
Quick Facts — Atlanta
Median Salary (National)
$69,990/yr
Education Required
23 hrs
Total Cost
$1,400
City Population
510,823
Mortgage Loan Officer licensing in Atlanta follows Georgia's statewide requirements — the Georgia Department of Banking and Finance issues all mortgage loan officer licenses regardless of which city you're in. You'll need to complete 23 hours of pre-license education , pass the NMLS SAFE MLO Test, and submit your application. The total cost ranges from $900 to $1,900. For the complete step-by-step process, see our Georgia mortgage loan officer license guide.
Georgia Mortgage Loan Officer Requirements
| Requirement | Details |
|---|---|
| Minimum Age | 18 years old |
| Pre-License Education | 23 hours |
| Degree Required | No |
| Exam Required | Yes — NMLS SAFE MLO Test |
| Passing Score | 70% |
| Background Check | Yes |
| Broker Sponsorship | Not required |
| Application Fee | $250 |
| Exam Fee | $110 |
| Governing Body | Georgia Department of Banking and Finance |
| License Reciprocity | Partial |
These requirements apply statewide in Georgia, including Atlanta and Fulton County. See the full Georgia guide for step-by-step instructions →
Working as a Mortgage Loan Officer in Atlanta
Atlanta (510,823 population) is one of the largest cities in Georgia, located in Fulton County. Mortgage Loan Officers in the Atlanta area serve a large and diverse local population, creating strong demand for licensed professionals.
The national median salary for mortgage loan officers is $69,990 per year. Actual earnings in Atlanta may vary based on local cost of living, experience level, employer, and specialization. Larger metro areas typically offer higher compensation to offset the higher cost of living.
Once licensed by the Georgia Department of Banking and Finance, your is valid throughout Georgia — you can work in Atlanta, Fulton 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 $250.
How Much Does It Cost?
Education/Training
$1,210
Exam Fee
$110
Application Fee
$250
Total Estimate
$900 – $1,900
Costs are the same across Georgia — Atlanta 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 Georgia?
Most people complete the process in 2-4 weeks total. The pre-license education (23 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 Georgia?
The total cost ranges from $900 to $1,900, including pre-license education, the application fee ($250), and the exam fee ($110).
Can I get a Georgia mortgage loan officer license with a criminal record?
The Georgia Department of Banking and Finance 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 Georgia Department of Banking and Finance for guidance before applying.
Do I need a college degree to become a mortgage loan officer in Georgia?
No. Georgia does not require a college degree. You only need to complete the 23 hours of approved pre-license courses.
Can I take the pre-license courses online in Georgia?
Many approved education providers offer pre-license courses online, allowing you to study at your own pace. Check the Georgia Department of Banking and Finance website for a list of approved providers.
Complete Georgia Mortgage Loan Officer License Guide
For detailed step-by-step instructions, exam prep tips, renewal information, and key considerations, see our comprehensive Georgia guide.
Read Full Georgia Guide →