Application Fee
See agencyVerified by NC Board of Business
Mortgage Loan Originator Licensing in North Carolina
Review current requirements, exam details, renewal cycle, and salary outlook for mortgage loan originator in North Carolina, including See agency and board contact links.
Last verified: Feb 17, 2026
Current
Exam Requirement
Third-party exam requiredRenewal Cycle
See board renewal rulesLicensing Blueprint for Mortgage Loan Originator in North Carolina
Estimated timeline: Varies by boardCore Requirements
- 1
Education: Specific course required.
- 2
Experience: No experience required.
- 3
Background/Criminal Review: Specific type of conviction prohibited.
- 4
Physical Requirement: No physical requirements.
- 5
License Type: Stand-alone license.
- 6
An individual who for compensation or gain or in the expectation of compensation or gain, whether through contact by telephone, by electronic means, by mail, or in person with prospective borrowers, either: Takes a residential mortgage loan application or.
Exam and processing details
- Third-party exam required
Continuing education and program notes
- Continuing education required to maintain license
Application Snapshot
- Licensing Authority
NC Department of Commerce • Office of the Commissioner of Banks
- Current Filing Fee
See agency
- Renewal Cycle
See board renewal rules
- Salary Position
$75,820 median (2% above national)
- State Salary Rank
#22 of 50 states
Step-by-Step Process (7)
- 1. Meet North Carolina eligibility requirements for Mortgage Loan Originator licensure.
- 2. Complete required education or training: Specific course required.
- 3. Document required supervised experience: No experience required.
- 4. Pass required examination steps: Third-party exam required.
- 5. Prepare supporting documentation (background check: Specific type of conviction prohibited; Background/Criminal Review: Specific type of conviction prohibited.; An individual who for compensation or gain or in the expectation of compensation or gain, whether through contact by telephone, by electr...).
- 6. Submit the application to NC Department of Commerce~Office of the Commissioner of Banks and monitor board communications.
- 7. Maintain post-licensure compliance (continuing education: Continuing education required to maintain license).
Salary Insights in North Carolina
With a median salary of $75,820, Mortgage Loan Originators in North Carolina earn 2% above the national median of $74,180. North Carolina ranks #22 among 50 states. The typical licensing timeline is Varies by board.
State Hiring Climate (QCEW)
SteadyQoQ Employment Change
+1.4%Average Weekly Wage
$1,298Median annual salary
$75,820Hourly estimate
$36.452% above national median
Difference: +$1,640
Percentile Distribution
Annual compensationMortgage Loan Originator Salary Ranking
#22 of 50 statesfor Mortgage Loan Originator median salary
| Rank | State | Median Salary |
|---|---|---|
| #1 | New York | $98,940 |
| #2 | New Jersey | $95,090 |
| #3 | Massachusetts | $93,430 |
| #4 | Vermont | $86,490 |
| #5 | Minnesota | $84,480 |
Nearby States Comparison
Mortgage Loan Originator licensing across the region| State | Median Salary | Education | Exam | Timeline |
|---|---|---|---|---|
| North Carolina | $75,820 | Specific course required | Third-party exam required | Varies by board |
| Virginia | $79,600 | Specific course required | No exam required | Varies by board |
| Tennessee | $63,160 | Degree required | Third-party exam required | 18 years |
| Georgia | $72,250 | Varies by state board | State-approved exam | Varies by board |
| South Carolina | $61,690 | Varies by state board | State-approved exam | Varies by board |
License by Endorsement
Transfer requirements are state-specific. Use this quick matrix as a planning signal, then verify final endorsement rules with each board.
| State | Reciprocity Score | Tier | Notes |
|---|---|---|---|
| North Carolina | 50 | Low | State-specific exam conditions may apply. Documented experience may be required. |
| Virginia | 56 | Medium | State-specific exam conditions may apply. Documented experience may be required. |
| Tennessee | 50 | Low | State-specific exam conditions may apply. Documented experience may be required. |
| Georgia | 43 | Low | Limited or restricted active licensing status. |
| South Carolina | 78 | High | Board-specific review required. |
- License status indicator: Active.
- Continuing education indicator: Continuing education required to maintain license.
- Reciprocity and transfer rules vary by state board. Verify directly with the agency.
Official Licensing Agency
Official website verified
NC Department of Commerce • Office of the Commissioner of Banks
316 W Edenton Street, Raleigh, NC, 27603
Phone: 9197333016
Related Careers in North Carolina
| Profession | Median Salary | Education | Timeline |
|---|---|---|---|
| Architect | $87,990 | Degree required | Varies by board |
| Audio and Video Technicians | $43,870 | Degree required | Varies by board |
| Certified Public Accountant | $80,490 | Degree required | Varies by board |
| Civil Engineer | $93,590 | Varies by state board | Varies by board |
FAQ
How long does it take to become a Mortgage Loan Originator in North Carolina?
Most applicants finish the licensing path in about Varies by board, but timing can change based on education track, exam scheduling, and board processing.
What exams are required for Mortgage Loan Originators in North Carolina?
North Carolina lists Third-party exam required as part of the licensure process for Mortgage Loan Originators.
What education do you need to become a Mortgage Loan Originator in North Carolina?
The board typically expects Specific course required for Mortgage Loan Originator licensure in North Carolina.
What is the typical Mortgage Loan Originator salary in North Carolina?
The median annual salary for Mortgage Loan Originators in North Carolina is $75,820. Salaries range from $38,820 (10th percentile) to $142,950 (90th percentile).
How does the Mortgage Loan Originator salary in North Carolina compare to the national average?
Mortgage Loan Originators in North Carolina earn 2% above the national median of $74,180, with a state median of $75,820.
How many Mortgage Loan Originators work in North Carolina?
North Carolina employs approximately 11,890 Mortgage Loan Originators according to BLS data.
Can I transfer my Mortgage Loan Originator license to North Carolina from another state?
Transfer requirements vary by board. License status indicator: Active. Continuing education indicator: Continuing education required to maintain license. Reciprocity and transfer rules vary by state board. Verify directly with the agency.
Who is the licensing agency for Mortgage Loan Originators in North Carolina?
The licensing agency is NC Department of Commerce / Office of the Commissioner of Banks. Review agency details at https://nccob.nc.gov/.
How often do you renew a Mortgage Loan Originator license in North Carolina?
Current guidance indicates a renewal cycle of See board renewal rules.