States / Wyoming
Wyoming MLO licensing requirements
Quick answer
What does it take to become a licensed MLO in Wyoming?
Wyoming originators pass the same SAFE MLO National Test as every other state, then complete Wyoming's own licensing steps through NMLS , regulated by Wyoming Division of Banking. See the quick facts below for what is different here, and the full breakdown after that.
- Regulator
- Wyoming Division of Banking
- How this state deviates
- Wyoming licenses mortgage loan originators through its banking division inside the state audit department, and follows the federal SAFE Act education floor with no state-specific add-on.
- Surety bond
- The surety bond amount and the state application fee are set by the Division of Banking and are not hosted here. Check the current figures on the licensing matrix and the Division's own mortgage lending licensing page.
- Continuing education
- The published state licensing matrix states Wyoming "follows the federal minimum" for both pre-licensure education (the standard 20-hour SAFE Act floor) and continuing education (the standard 8-hour annual floor), with no Wyoming-specific hour add-on. Confirm the current requirement directly with the Division before enrolling in a course, since add-ons do change.
The steps, in order
- Create an NMLS account and request a unique identifier
- Complete 20 hours of NMLS-approved pre-licensure education
- Pass the SAFE MLO National Test with Uniform State Test content
- Authorize a criminal background check and a credit report
- Obtain the required surety bond (amount set by the Division of Banking, see the published matrix)
- File the state license application through NMLS with the Division of Banking
- Get sponsored by an NMLS-registered company to activate the license
- Renew annually by December 31, with 8 hours of continuing education
Wyoming licenses mortgage loan originators through its banking division inside the state audit department, and follows the federal SAFE Act education floor with no state-specific add-on.
One regulator: the Division of Banking
The Wyoming Division of Banking, part of the Wyoming Department of Audit, licenses MLOs. Wyoming is a single-regulator state: there is no second agency by employer type. We confirmed the Division’s identity, address, and contact details directly from its own site during this research pass; its detailed licensing subpages returned a blocked response from our network, so the exact governing statute section is not quoted here.
Pre-licensure and continuing education at the federal floor
The published state licensing matrix states Wyoming “follows the federal minimum” for both pre-licensure education (the standard 20-hour SAFE Act floor) and continuing education (the standard 8-hour annual floor), with no Wyoming-specific hour add-on. Confirm the current requirement directly with the Division before enrolling in a course, since add-ons do change.
What stays routed, not hosted
The surety bond amount and the state application fee are set by the Division of Banking and are not hosted here. Check the current figures on the licensing matrix and the Division’s own mortgage lending licensing page.
Sponsorship and next steps
A Wyoming MLO license stays inactive until an NMLS-registered employer sponsors it. See sponsorship explained for how that works, walk the full sequence with the state-steps wizard, or check the full cost picture with the cost breakdown tool.
Sources: Wyoming Division of Banking (wyomingbankingdivision.wyo.gov), homepage and contact details confirmed by direct fetch 2026-07-29 (the Division’s detailed licensing subpages returned a blocked response from our network on that date, so the education-hour figures above are matrix-sourced, not primary-page-confirmed, and flagged as such); fees and bond matrix: getlicensemap.com, reviewed 2026-07-29.
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.