North Carolina: NMLS Pre-Licensing MLO Requirements & Training
20-Hour Online Interactive Course
NC Requires 20 hours of NMLS-Approved Pre-Licensing Education and an additional 4 hours of NC state-specific education.
99.8% Success Rate with Pass Promise
Diehl offers the Pass Promise. If a user completes a simulated exam in Prep2Pass with a 95% or higher score and does not pass the NMLS/SAFE MLO test, they received a full refund for the Test Prep App. To date, 99.8% have passed the NMLS/SAFE MLO test after scoring a 95% or higher in the Prep2Pass Simulated Test.
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North Carolina Pre-Licensing Course
This is the state-specific education requirement for North Carolina.
NORTH CAROLINA REQUIREMENTS FOR NMLS PRE-LICENSING EDUCATION
Hours Required By The State: 20 hours (No State-Specific Course Required)
Final Exam Instructions: Each course contains a final exam. A minimum score of 75% is required to pass the final exam and can be taken as many times as needed to pass. This exam is required for education credit, but does not count toward the SAFE Mortgage Loan Originator Test.
NMLS Education Requirement: Diehl Mortgage Training is an NMLS-Approved Training Provider for Pre-Licensing Education #1400133
Seat Time: The state requires that all students spend a minimum amount of seat time engaged in the course content. Our online learning management system tracks engagement by clicking through the course.
Reporting: Upon completion of your course, the NMLS requires course providers to credit-bank your education hours within 7 business days. Diehl banks your hours in as little as 24 hours.
Start and End Date of Course: Your course will close at the end of the 5, 7, or 10-Day period, depending on the path you choose.
Certificates: Upon completion of the course, Diehl Mortgage Training & Compliance will email you a certificate of completion. Please download and hold onto this certificate to show proof of education completion.
https://www.in.gov/dfi/
Step 1 – Review your checklist
Go to the State Licensing Requirements Page for your state and gather required documentation which may need to be uploaded and sent to the state agency.
All state licensed MLOs and certain individuals as mandated by their state agency are required to pass the National SAFE MLO test, complete pre-licensure education, and submit to a criminal background and credit check prior to submitting an application in NMLS. Review Professional Standards for more details on the Criminal Background Check, Testing, Education, and Credit Report process.
Step 2 – Coordinate with your company
NMLS is the official system of record so it is important to coordinate use with your employer. If your company is licensed with or registered in a state through NMLS, either of you can complete your first Individual Form (MU4) in NMLS. Whoever creates the first Individual Form (MU4) must pay any associated fees when it is submitted to the state agency. If your company is completing your first Individual Form (MU4), wait for their direction before proceeding.
Step 3 – Create an account
NOTE: The information used to create the account must be accurate, complete and reflect information found on legal documentation. Inaccurate information may result in one or more duplicate accounts. If duplicate accounts are created, the responsible individual or company is liable for all fees associated with resolving the error.
Navigate to NMLS.
Click the Log Into NMLS button.
Click the Request an Account link.
Select the Individual option.
Review the Quick Guide: Creating an Individual Account for further assistance.
Step 4 – Log into NMLS
If your company created your first Individual Form (MU4), log in with the credentials provided, review your Individual Form (MU4), make any necessary corrections and attest to its accuracy.
Review the Attestation Quick Guide for further assistance.
North Carolina Pre-Licensing
Education (PE) FAQs
Those seeking to obtain an MLO license must complete 24 hours of NMLS-approved education. North Carolina NMLS Pre-Licensing courses are required to include:
- 3 Hours of Federal Law
- 3 Hours of Ethics
- 2 Hours of Non-Traditional Mortgage Lending
- 12 Hours of Electives
- 4 Hours of NC-Specific Education
Generally, individuals wishing to apply for a new North Carolina MLO license must authorize a criminal background check and credit report, complete education requirements, pass the NMLS exam, and be at least 18 years of age with a high school degree or higher.
However, North Carolina may have extra requirements that are unique to the state. For a complete list of your obligations, make sure to refer to the state’s licensing requirements.
Moreover, if you want to obtain other MLO State Licenses in addition to your initial NC MLO license, you’ll have to check in with that specific state to verify their application terms.
If you have questions or concerns regarding your new North Carolina NMLS license, you can contact the North Carolina Commissioner of Banks using the following information:
- Phone: 919-733-3016
- Email: [email protected]
- Website: https://www.nccob.gov/public/
- Address: 316 W. Edenton Street
Raleigh, NC 27603
For more information regarding licensing agencies in North Carolina, you can refer to the NMLS North Carolina MLO License Description.
If your NMLS license expires in North Carolina, it may mean that you didn’t complete the annual NMLS Continuing Education (CE) Requirements on time. This includes:
- 3 Hours of Federal Law
- 2 Hours of Ethics
- 2 Hours of Non-Traditional Mortgage
- 1 Hour of NC-Specific Education
Remember, the deadline to complete CE is December 31. Don’t fret if the renewal date slipped your mind. At Diehl, we offer Late NMLS-approved CE courses to help you get back on track and ensure your license remains in good standing.
MLOs that carry an inactive license for a period of five years or more will need to begin the application process all over again. This means retaking North Carolina mortgage loan officer training and the NMLS exam.
Since PE is a prerequisite for the MLO application, there’s no deadline to complete North Carolina PE courses. However, once you successfully complete the required North Carolina NMLS Pre-Licensing course, you must submit your application within three years or less. Failure to submit an application during this time will result in having to take NC PE again.
PE in the state of North Carolina prepares you for the NMLS exam and demonstrates to the NMLS that you have the necessary education to originate loans ethically, legally, and in accordance with best practices. For this reason, it’s essential to choose a course provider with detailed North Carolina NMLS Pre-Licensing courses.
With Diehl, you’ll receive top-quality PE courses that are specially designed by industry professionals. Plus, you can easily knock the obligatory PE requirement out of the way in as little as three days. We also provide mortgage loan originator Test Prep, which includes flashcards and a simulated test.