Iowa Mortgage Loan Originator License
individual licence · NMLS IALOANORIG_I · DOB
This license is required of any individual who for compensation or gain or in the expectation of compensation or gain takes a residential mortgage loan application or offers or negotiates terms of a residential mortgage loan application.
Requirements (1)
Step 1
Company Sponsorship: A sponsorship request must be submitted by your employer. IA will review and accept or reject the sponsorship request. IA offers an “Approved-Inactive” license status. If you are not currently employed by a mortgage company (or your employer has not yet requested sponsorship on your behalf) and you have completed all requirements for this license, the license may be issued as “Approved-Inactive” until sponsorship by a mortgage company is acquired. While in an “Approved-Inactive” status, you are NOTauthorized to conduct business under the authority of the IA Mortgage Loan Originator License. Note: If an applicant wishes to be approved without a sponsorship (approved-inactive status) please contact the IDOB at fblicensing@iowa.govSubmitted via: NMLS
General information
Who Is Required To Have This License?
This license is required of any individual who for compensation or gain or in the expectation of compensation or gain takes a residential mortgage loan application or offers or negotiates terms of a residential mortgage loan.
• Iowa Code 535D.4
• Iowa Division of Banking Finance Bureau does not issue paper licenses for this license type.
Pre-licensure Education: Prior to submission of the application, complete at least 20 hours of NMLS-approved pre-licensure education (PE) courses.
Note: Must be completed during the 3 years immediately preceding the date of application.
Testing: Must satisfy one of the following three conditions:
• Passing results on both the National and Iowa State components of the SAFE Test, or
• Passing results on both the National and Stand-alone UST components of the SAFE Test, or
• Passing results on the National Test Component with Uniform State Content
Other Iowa mortgage licenses
- Mortgage Banker License
- Mortgage Banker Registrant
- Mortgage Branch Registration
- Mortgage Broker License
- Non-profit Mortgage Banker Registrant
- All 6 Iowa licenses
Sourced from the NMLS/CSBS state licensing record, last updated March 26, 2026. Requirements change — confirm against the state agency before filing. Not legal advice.