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States / Connecticut

Connecticut MLO licensing requirements

Quick answer

What does it take to become a licensed MLO in Connecticut?

Connecticut originators pass the same SAFE MLO National Test as every other state, then complete Connecticut's own licensing steps through NMLS , regulated by Connecticut Department of Banking, Consumer Credit Division. See the quick facts below for what is different here, and the full breakdown after that.

Last reviewed 2026-07-29

Regulator
Connecticut Department of Banking, Consumer Credit Division
How this state deviates
Connecticut licenses mortgage loan originators through a single regulator, and the state's own page for the license leans on the national system rather than publishing Connecticut-specific hour or dollar figures itself.
Surety bond
The Department's MLO licensing page does not state a pre-licensure hour add-on beyond the federal 20-hour SAFE Act minimum, a continuing-education add-on beyond the federal 8-hour minimum, a surety bond amount, or an application fee, and instead routes applicants to the NMLS jurisdiction-specific checklist for those figures. We do not host a number we have not sourced and dated ourselves; use the cost breakdown tool and the state matrix below for the current figures.
Continuing education
The Department's MLO licensing page does not state a pre-licensure hour add-on beyond the federal 20-hour SAFE Act minimum, a continuing-education add-on beyond the federal 8-hour minimum, a surety bond amount, or an application fee, and instead routes applicants to the NMLS jurisdiction-specific checklist for those figures. We do not host a number we have not sourced and dated ourselves; use the cost breakdown tool and the state matrix below for the current figures.

Official CT regulator page

The steps, in order

  1. Create an NMLS account and request a unique identifier
  2. Complete 20 hours of NMLS-approved pre-licensure education (no published Connecticut add-on)
  3. Pass the SAFE MLO National Test with Uniform State Test content
  4. Authorize a criminal background check and a credit report
  5. Obtain the required surety bond (amount per the state, see the published matrix)
  6. File the state license application through the Connecticut Department of Banking via NMLS
  7. Get sponsored by an NMLS-registered company to activate the license
  8. Renew annually through NMLS

Connecticut licenses mortgage loan originators through a single regulator, and the state’s own page for the license leans on the national system rather than publishing Connecticut-specific hour or dollar figures itself.

The regulator

The Connecticut Department of Banking, Consumer Credit Division licenses MLOs under Connecticut General Statutes Sections 36a-485 through 36a-498f, 36a-498h, 36a-534a, and 36a-534b. There is no second Connecticut agency for MLO licensing, so the two-regulator split that applies in states like California or Washington does not apply here.

The Department relocated its offices on November 24, 2025, to 280 Trumbull Street, Hartford, per its own site notice, a detail worth knowing if you are mailing anything to the Division rather than filing solely through NMLS.

How to apply

The Department’s own instructions point applicants first to Connecticut’s jurisdiction-specific requirements inside NMLS, then to filing the standard NMLS forms: Form MU1 for a company record, MU2 for control persons, MU3 for branches, and MU4 for the individual loan originator record. If your sponsoring company already has a completed NMLS record, adding a Connecticut license is largely a matter of filing these forms through NMLS and mailing in the jurisdiction-specific requirements the Department asks for.

What Connecticut has not published on this page

The Department’s MLO licensing page does not state a pre-licensure hour add-on beyond the federal 20-hour SAFE Act minimum, a continuing-education add-on beyond the federal 8-hour minimum, a surety bond amount, or an application fee, and instead routes applicants to the NMLS jurisdiction-specific checklist for those figures. We do not host a number we have not sourced and dated ourselves; use the cost breakdown tool and the state matrix below for the current figures.

Sources

Regulator identity, the governing statutes, the office relocation, and the MU1 through MU4 filing description are stated on the Connecticut Department of Banking’s mortgage loan originator licensing information page (portal.ct.gov/dob), last verified 2026-07-29.

For the full ordered national sequence, see how to become an MLO, the state-steps wizard, and the cost breakdown tool.

Last verified 2026-07-29. Requirements come from official sources and change over time: always confirm the current fee, bond, and hour figures at the regulator page linked above before you rely on them.

Want the shared federal order alongside every state's deviation in one wizard? Use the state-steps wizard. For the dollar picture, see the cost breakdown tool, and to see whether the whole path pays off for you, run the is-it-worth-it calculator.

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