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MLO Licensing

Steps for Licensing

Obtaining or renewing a mortgage loan originator license has numerous requirements that can be confusing. The Division has provided a simple overview of the licensing process. These steps also provide links to other websites that will provide additional information that an applicant will need in the process.


All applications for initial licensure and for renewing a license are completed online. However, to re-apply or seek a preliminary advisory opinion an individual will need to fill out a paper application. 

Background Check

All licensees must submit to a state and national background check by submitting fingerprints. 

Fee Schedule

Application fees are updated and posted on our website on or around November 15th each year.

Insurance (E&O and Surety)

All active mortgage loan originators must carry both errors and omissions insurance and a surety bond. Licensees can be covered under their company’s umbrella policy.

Education and Examination

Learn about pre-licensure education, continuing education and to schedule your examination.

Inactivate your License

A licensee can place their license on inactive status. However, inactive licensees must still renew their license each year and comply with all continuing education requirements.

Mortgage Company Registration

Mortgage companies are required to register on the NMLS. In order to register, mortgage companies must adhere to all NMLS policies and pay the requisite fees for company registration (see above). Additionally, pursuant to section 12-61-903.1, C.R.S., mortgage companies must meet the following:

  • be in good standing with the Colorado Secretary of State; and
  • not be legally barred from operating in Colorado.

Mortgage loan originators who operate as a sole proprietorship must register with the Colorado Secretary of State if they are going to use a trade name. Sponsorship for mortgage loan originators is NOT required in Colorado; however sponsorship requests will be approved within 7-10 business days as a courtesy.  



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1560 Broadway, Suite 925, Denver, CO 80202 Email
(303) 894-2166 / (303) 894-2185 - Phone (303) 894-2683 - Fax