How to Apply
Getting licensed as a Mortgage Loan Officer in Tennessee starts with meeting the educational prerequisites set by the TN licensing authority. Once you have completed your training, you will need to register for and pass the SAFE MLO Test (NMLS). After passing, submit your application along with all required documents to the Tennessee state board.
Requirements
Tennessee has specific requirements for Mortgage Loan Officer licensure that applicants must fulfill. You must be at least 18 years old and hold a valid government-issued identification. Educational requirements include completing an accredited program relevant to originate and process mortgage loans for homebuyers. A clean background check is mandatory in TN, and you must demonstrate good moral character. The SAFE MLO Test (NMLS) must be passed with a minimum score set by the Tennessee board.
Fees & Costs
The initial application fee for a Mortgage Loan Officer license in Tennessee is approximately $400. This fee covers the processing of your application and initial license issuance. TN also charges an examination fee which is typically paid directly to the testing provider. Late application submissions in Tennessee may incur additional penalties of up to $100.
License Fee Calculator — Mortgage Loan Officer in Tennessee
Renewal Process
Your Mortgage Loan Officer license in Tennessee must be renewed every 1 year. The renewal fee in TN is $250. Tennessee requires completion of continuing education credits before renewal. Submit your renewal application at least 30 days before expiration to avoid late fees. Practicing with an expired license in TN can result in fines and disciplinary action.
License Expiry Calculator — Mortgage Loan Officer in TN
Enter your license issue date to see when renewal is due. Tennessee requires renewal every 1 year.
Additional Information
Tennessee takes professional licensing seriously, and the Mortgage Loan Officer field is no exception. The state board in TN regularly updates its requirements to align with industry standards and protect public safety. As a licensed Mortgage Loan Officer in Tennessee, you will be expected to maintain high ethical standards and stay current with developments in your field. The TN licensing board provides resources and support to help professionals meet their obligations.
Document Checklist — Mortgage Loan Officer
0 of 6 documents ready
Frequently Asked Questions
License Reciprocity: Can I Use My Tennessee Mortgage Loan Officer License in Other States?
Reciprocity varies by state. Always verify with the destination state's licensing board before practicing.
| Destination State | Reciprocity | Notes |
|---|---|---|
| Alaska (AK) | None | AK does not recognize TN Mortgage Loan Officer license. Full re-application required. |
| Alabama (AL) | Full | AL accepts TN Mortgage Loan Officer license via reciprocity agreement. |
| Arizona (AZ) | None | AZ does not recognize TN Mortgage Loan Officer license. Full re-application required. |
| Arkansas (AR) | None | AR does not recognize TN Mortgage Loan Officer license. Full re-application required. |
| Colorado (CO) | None | CO does not recognize TN Mortgage Loan Officer license. Full re-application required. |
| Delaware (DE) | Full | DE accepts TN Mortgage Loan Officer license via reciprocity agreement. |
| California (CA) | None | CA does not recognize TN Mortgage Loan Officer license. Full re-application required. |
| Florida (FL) | Partial | FL requires additional exam or paperwork for TN license holders. |
Where to File Locally in Tennessee
Visit a licensing department office near you for in-person assistance.
Nashville
500 James Robertson Pkwy, Nashville, TN 37243
(615) 741-3449
Mon-Fri 8:00 AM - 4:30 PM
Memphis
125 N Main St, Memphis, TN 38103
(901) 576-6000
Mon-Fri 8:00 AM - 4:30 PM
Knoxville
400 Main St, Knoxville, TN 37902
(865) 215-2000
Mon-Fri 8:00 AM - 4:30 PM
Chattanooga
101 E 11th St, Chattanooga, TN 37402
(423) 643-7800
Mon-Fri 8:00 AM - 4:30 PM
Clarksville
1 Public Square, Clarksville, TN 37040
(931) 645-7444
Mon-Fri 8:00 AM - 4:30 PM
Official Tennessee Resources
Always verify requirements directly with the Tennessee state board. Regulations may change.
Tennessee Licensing Board
https://www.tn.gov/commerce
Contact Phone
(615) 741-3449
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US License Guide is a private informational resource and is not affiliated with, endorsed by, or connected to any federal, state, or local government agency. The information provided on this website is for general guidance purposes only and should not be considered legal or professional advice. Licensing requirements, fees, and procedures may change without notice. Always verify current requirements directly with your state's official licensing board before making any decisions. Use of this site does not create any professional-client relationship.