Nevada MLO licensing requirements

Nevada licenses mortgage loan originators (MLOs) through the Division of Mortgage Lending (DMLD), part of the state Department of Business and Industry. DMLD is a single regulator for MLOs: Nevada does not split originators between two agencies by employer type the way California or Washington do.

The governing law

Nevada licenses MLOs under Nevada Revised Statutes Chapter 645B, the same chapter that governs mortgage companies. NRS 645B.0125 and NRS 645B.405 set out who must hold an individual mortgage loan originator license, and NRS 645B.410 covers the license itself. Filings run through the Nationwide Multistate Licensing System (NMLS), the same national system covered in our how to become an MLO guide: NMLS account, pre-licensure education, the SAFE MLO National Test, background and credit checks, bonding, application, then sponsorship.

What is Nevada-specific

• Regulator: Nevada Division of Mortgage Lending, part of the Department of Business and Industry. Official site: mld.nv.gov. Division phone: (702) 486-0782.
• Statute citation. NRS Chapter 645B, specifically NRS 645B.0125 (who must be licensed as an MLO) and NRS 645B.410 (individual license) and NRS 645B.430 (annual renewal and continuing education).
• Continuing education: 8 hours a year. Nevada dropped its annual continuing-education requirement from 10 hours to 8 hours under a Commissioner of Mortgage Lending regulation amending NAC 645B, matching the federal SAFE Act CE floor rather than adding hours on top of it. This is a confirmed, dated Nevada regulatory change, not a matrix estimate.
• Pre-licensure hours and bond amount. DMLD’s public pages, as reviewed, do not state a Nevada-specific pre-licensure hour add-on distinct from the federal 20-hour floor, and we did not find a single, dated, flat individual-MLO bond figure to host with confidence (bonding and net-worth requirements in NRS 645B vary by license type and loan volume). Confirm both on the state matrix and the DMLD site before enrolling or applying, since state figures do change.
• No dual-regulator split. DMLD is the sole state regulator for individual MLOs regardless of whether the originator also holds a Nevada real estate license.

Sponsorship and next steps

A Nevada MLO license, like every state license, stays inactive until an NMLS-registered company sponsors it. See sponsorship explained for how that works in practice, and use the state licensing steps tool to walk the full ordered sequence, or the cost breakdown tool to see where Nevada’s education and CE structure land against other states.

Sources: Nevada Division of Mortgage Lending, official site (mld.nv.gov) and FAQ, “Residential and Commercial Mortgage Loan Originators,” reviewed 2026-07-29; Nevada Revised Statutes Chapter 645B, §§ 645B.0125, 645B.410, 645B.430, reviewed 2026-07-29; Nevada Commissioner of Mortgage Lending regulation reducing annual continuing education from 10 to 8 hours (amending NAC 645B pursuant to NRS 645B.0138), reviewed 2026-07-29.