{"id":11058,"date":"2023-09-08T13:33:11","date_gmt":"2023-09-08T18:33:11","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=11058"},"modified":"2025-01-30T22:12:12","modified_gmt":"2025-01-31T03:12:12","slug":"becoming-a-loan-officer-in-rhode-island","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-rhode-island","title":{"rendered":"Become a Loan Officer in Rhode Island"},"content":{"rendered":"\n<p>If you\u2019d like to become a loan officer in Rhode Island, there is a clear path to follow to first get your license and then start your career as a MLO. Whether you\u2019re drawn to the fast-paced real estate markets of Providence, Warwick, or other growing cities across Rhode Island, the demand for skilled loan officers is strong. The term mortgage loan originator (MLO) and licensed mortgage loan officer are frequently used interchangeably and both reflect the important job of helping home buyers find and secure the right home loan for them. Many of the steps to become licensed MLO are the same in all states, but there are few state specific tasks that must be completed to get your Rhode Island loan officer license.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/important-skills-for-successful-loan-officers\">To become a successful loan officer<\/a>&nbsp;you\u2019ll need both a comprehensive understanding of the mortgage industry as well as good interpersonal and communication skills. You\u2019ll need to learn the national and Rhode Island state-level guidelines and will be required to pass an exam to show your mortgage knowledge and expertise. Let\u2019s dive into our step-by-step guide of how to become a loan officer in RI and fulfill all of the mortgage license requirements.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc  is-style-outline htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">In this article<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-step-1-request-an-nmls-account\">Step 1: Request your NMLS account<\/a><\/li><li class=\"\"><a href=\"#htoc-step-2-receive-nmls-id-number\">Step 2: Receive your personal NMLS ID number<\/a><\/li><li class=\"\"><a href=\"#htoc-step-3-check-state-specific-licensing-requirements-for-texas\">Step 3: Review the Rhode Island state-specific licensing requirements<\/a><\/li><li class=\"\"><a href=\"#htoc-step-4-complete-pre-licensing-mortgage-coursework\">Step 4:&nbsp; Complete national and Rhode Island pre-licensing coursework<\/a><\/li><li class=\"\"><a href=\"#htoc-step-5-prepare-for-the-safe-exam\">Step 5: Prepare for the national SAFE Test<\/a><\/li><li class=\"\"><a href=\"#htoc-step-6-pass-the-national-safe-exam-to-become-an-mlo\">Step 6: Pass the national SAFE exam<\/a><\/li><li class=\"\"><a href=\"#htoc-step-7-complete-a-background-check\">Step 7: Complete a background check and get fingerprinted<\/a><\/li><li class=\"\"><a href=\"#htoc-step-8-submit-your-mortgage-licensing-application\">Step 8: Submit your mortgage license application to NMLS<\/a><\/li><li class=\"\"><a href=\"#htoc-step-9-get-sponsored-by-a-mortgage-company\">Step 9: Get sponsored by a mortgage company<\/a><\/li><li class=\"\"><a href=\"#htoc-learn-more-about-joining-the-morty-platform-as-a-mortgage-loan-originator\">Learn about joining the Morty platform.<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-1-request-an-nmls-account\">Step 1: Request your NMLS account<\/h2>\n\n\n\n<p>Start your journey to become an mlo by requesting an <a href=\"https:\/\/www.statemortgageregistry.com\/Public\/RequestAccount.aspx\" rel=\"nofollow\">NMLS account<\/a> through the Nationwide Multistate Licensing System &amp; Registry (NMLS), which is also commonly referred to as the Nationwide Mortgage Licensing System. If you already have an NMLS account, and are looking to add Rhode Island to your mortgage license, skip to step #3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-2-receive-nmls-id-number\">Step 2: Receive your personal NMLS ID number<\/h2>\n\n\n\n<p>Once you\u2019ve registered with the NMLS, you\u2019ll receive an individual NMLS ID number to use throughout your career as a mortgage loan originator. The same NMLS ID is used for your license in Rhode Island and any other states you might consider getting licensed in like <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-pennsylvania\">Pennsylvania<\/a>, <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-new-york\">New York<\/a> and <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-maine\">Maine<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-3-check-state-specific-licensing-requirements-for-texas\">Step 3: Review the Rhode Island state-specific licensing requirements<\/h2>\n\n\n\n<p>Check the Rhode Island state-specific licensing requirements through <a href=\"https:\/\/mortgage.nationwidelicensingsystem.org\/slr\/Pages\/DynamicLicenses.aspx?StateID=RI\">NMLS Resource Center, State Licensing<\/a> website. Here you&#8217;ll find the additional steps required to obtain your MLO license in RI. You will want to complete this step <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/how-to-get-licensed-as-a-mortgage-loan-officer-in-multiple-states\">for any additional state<\/a> you&#8217;d like to get licensed in.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-4-complete-pre-licensing-mortgage-coursework\">Step 4:&nbsp; Complete national and Rhode Island pre-licensing coursework<\/h2>\n\n\n\n<p>Complete the required 20 hours of pre-licensing coursework. Pre-licensing classes for becoming a mortgage loan officer cover a range of topics from mortgage industry fundamentals to ethics and professional conduct. In Rhode Island, 4 additional hours of work must be completed that are dedicated to state-specific laws and regulations. <\/p>\n\n\n\n<p>Morty recommends&nbsp;<a href=\"https:\/\/www.oncourselearning.com\/mortgage\/rhode-island\/mortgage\/new-license\" rel=\"nofollow\">Oncourse Learning<\/a>&nbsp;as a pre-licensing coursework provider. If you\u2019d like other recommendations, reach out through our&nbsp;<a href=\"https:\/\/platform.morty.com\/join\/\">Platform Loan Officer<\/a>&nbsp;program.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-5-prepare-for-the-safe-exam\">Step 5: Prepare for the national SAFE Test<\/h2>\n\n\n\n<p>After you&#8217;ve completed your 20 hours pre license education and the additional 4 hours of Rhode Island specific education, it&#8217;s time to study for your SAFE exam. First you&#8217;ll want to purchase your SAFE test prep materials and practice tests to begin studying and getting ready for the Secure and Fair Enforcement (SAFE) exam. This exam was instituted by Congress as part of the <a href=\"https:\/\/en.wikipedia.org\/wiki\/Housing_and_Economic_Recovery_Act_of_2008#Secure_and_Fair_Enforcement_for_Mortgage_Licensing_Act_of_2008\" rel=\"nofollow\">Secure and Fair Enforcement for Mortgage Licensing Act<\/a>, known as the SAFE Act, of 2008<a href=\"https:\/\/en.wikipedia.org\/wiki\/Housing_and_Economic_Recovery_Act_of_2008#Secure_and_Fair_Enforcement_for_Mortgage_Licensing_Act_of_2008\" rel=\"nofollow\">.<\/a> For loan officers&nbsp;<a href=\"https:\/\/platform.morty.com\/join\/\">joining the Morty platform<\/a>, Morty covers the costs of test prep materials, a $100 value.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-6-pass-the-national-safe-exam-to-become-an-mlo\">Step 6: Pass the national SAFE exam<\/h2>\n\n\n\n<p>To obtain your MLO license, you\u2019ll need to pass the NMLS&#8217;s SAFE Mortgage Loan Originator Test with a score of 75% or higher. This exam is meant to test your understanding of core concepts in mortgage lending. The SAFE exam is 190 minutes long, and costs $110.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/mortgage.nationwidelicensingsystem.org\/profreq\/testing\/Pages\/default.aspx\" rel=\"nofollow\">Schedule your SAFE test<\/a>&nbsp;at your convenience and when you feel prepared. If you do not pass the SAFE exam, you&#8217;ll have to wait 30 days to take it again. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-7-complete-a-background-check\">Step 7: Complete a background check and get fingerprinted<\/h2>\n\n\n\n<p>Next, you must complete a criminal background check and get fingerprinted. The background check can be initiated through your NMLS portal. You can also make your appointment to have your fingerprints taken through the NMLS portal. The current cost of both the background check and the fingerprinting is $36.25.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-8-submit-your-mortgage-licensing-application\">Step 8: Submit your mortgage license application to NMLS<\/h2>\n\n\n\n<p>Once you&#8217;ve passed your test, done your background checks and submitted a licensing application, you&#8217;re ready to submit your Rhode Island mortgage license application! To submit your application, head to your <a href=\"https:\/\/mortgage.nationwidelicensingsystem.org\/Pages\/default.aspx\">NMLS portal<\/a> to: complete your Individual Form (MU4) and pay your NMLS fees. The cost to submit your mortgage officer license in Rhode Island is: $30 NMLS application fee, $600 state license fee and a $15 credit report fee.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-step-9-get-sponsored-by-a-mortgage-company\">Step 9: Get sponsored by a mortgage company<\/h2>\n\n\n\n<p>After finding and being hired by a mortgage originator, that&#8217;s either a <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/how-is-being-a-loan-officer-different-at-a-mortgage-broker-vs-mortgage-lender\">mortgage broker like Morty<\/a> or a mortgage lender like a credit union or bank, you can initiate the sponsorship process by submitting the company\u2019s credentials to the NMLS for verification. As soon as NMLS gives final approval \u2014 congrats, you officially have your mortgage loan originator license in Rhode Island!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-looking-for-sponsorship\">Are you looking for mortgage sponsorship in Rhode Island?<\/h2>\n\n\n\n<p>If you&#8217;ve completed the pre-licensing work and passed the SAFE exam to become an mlo in Rhode Island, the next thing to consider is what mortgage company will to sponsor your license. <\/p>\n\n\n\n<p>We&#8217;d love for you to be sponsored by Morty! <a href=\"https:\/\/www.morty.com\">Morty<\/a> is a technology-enabled online licensed <a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/how-is-being-a-loan-officer-different-at-a-mortgage-broker-vs-mortgage-lender\">mortgage broker<\/a>. Morty offers loan officers, and their clients, a better, more seamless mortgage experience through our <a href=\"https:\/\/www.morty.com\/products\/lender-network\">lender marketplace<\/a>, <a href=\"https:\/\/www.morty.com\/mortgage-rates\/rhode-island\">competitive pricing<\/a>, <a href=\"https:\/\/www.morty.com\/products\/point-of-sale\">affordability tools<\/a>, underwriting technology, along with the built-in support from our processing and fulfillment teams.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"htoc-looking-to-get-your-mortgage-license-in-multiple-states\">Interested in how to get your MLO license in multiple states?<\/h2>\n\n\n\n<p>If you&#8217;re an existing mortgage loan officer, you may be interested in getting licensed in multiple states to help you grow your business and find new opportunities. To become licensed in states other than Rhode Island, you&#8217;ll need to fulfill the additional education requirements for each state and submit your license application for each state through NMLS. <\/p>\n\n\n\n<p>Morty is&nbsp;<a href=\"https:\/\/www.morty.com\/legal\/licensing\">licensed in 45 states<\/a>&nbsp;and can help you&nbsp;<a href=\"https:\/\/platform.morty.com\/join\/\">quickly get sponsored<\/a>&nbsp;in multiple states. To get started, we put together <a href=\"https:\/\/www.morty.com\/resources\/loan-officer-resources\/state-licensing\">mortgage licensing guides<\/a> for many states including:&nbsp;<a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-georgia\">Georgia<\/a>,&nbsp;<a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-north-carolina\">North Carolina<\/a>,&nbsp;<a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-florida\">Florida<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.morty.com\/resources\/loan-officers\/licensing\/becoming-a-loan-officer-in-ohio\">Ohio<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-genesis-blocks-gb-container gb-block-container\"><div class=\"gb-container-inside\"><div class=\"gb-container-content\">\n<h2 class=\"wp-block-heading\" id=\"htoc-learn-more-about-joining-the-morty-platform-as-a-mortgage-loan-originator\">Learn about joining the Morty platform.<\/h2>\n\n\n\n<p id=\"htoc-morty-makes-it-quick-and-easy-to-for-licensed-mlos-to-get-sponsored-and-work-off-our-platform-the-morty-platform-is-free-to-join-but-if-you-re-thinking-about-starting-your-own-mortgage-brokerage-in-texas-take-a-look-at-our-platform-business-tiers-these-tiers-are-specifically-designed-to-give-you-the-independence-to-start-or-scale-your-mortgage-brand-with-the-resources-infrastructure-and-technology-you-need-to-be-profitable-in-today-s-mortgage-industry\">Morty makes it quick and easy to for licensed MLOs to get sponsored and work off <a href=\"https:\/\/platform.morty.com\/join\/\">our platform<\/a>. Take a look at our <a href=\"https:\/\/www.morty.com\/pricing\">Platform Business Tiers<\/a>. These tiers are specifically designed to give you the independence to start or scale your mortgage brand with the resources, infrastructure and technology you need to be profitable in today\u2019s mortgage industry.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-leadin-hubspot-form-block\">\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 21078423,\n\t\t\t\t\t\t\t\t\tformId: \"2f48f9c8-57c5-470f-a774-c6e8a6623707\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1789191203000-0129573545\",\n\t\t\t\t\t\t\t\t\tregion: \"na1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1789191203000-0129573545\"><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019d like to become a loan officer in Rhode Island, there is a clear&#8230;<\/p>\n","protected":false},"author":1,"featured_media":11217,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"no","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[690,761],"tags":[725,721,724,726,815,760],"series":[],"class_list":["post-11058","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-officers","category-state-licensing","tag-mortgage-license-application","tag-national-safe-exam","tag-nmls","tag-pre-licensing-mortgage-coursework","tag-rhode-island","tag-state-mortgage-licensing-requirements"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Guide to Becoming a Mortgage Loan Officer in Rhode Island<\/title>\n<meta name=\"description\" content=\"Considering becoming an MLO in Rhode Island? This guide has all you need to get your NMLS license, including education, exam requirements and sponsorship.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-rhode-island\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Guide to Becoming a Mortgage Loan Officer in Rhode Island\" \/>\n<meta property=\"og:description\" content=\"Considering becoming an MLO in Rhode Island? This guide has all you need to get your NMLS license, including education, exam requirements and sponsorship.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-rhode-island\" \/>\n<meta property=\"og:site_name\" content=\"Morty Resources\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/HiMorty\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-08T18:33:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-31T03:12:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/09\/ri-scaled.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1440\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Nora Apsel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@himorty\" \/>\n<meta name=\"twitter:site\" content=\"@himorty\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nora Apsel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-rhode-island#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-rhode-island\"},\"author\":{\"name\":\"Nora Apsel\",\"@id\":\"https:\/\/www.morty.com\/resources\/#\/schema\/person\/b2240f410dcc926390e8592cf8b62046\"},\"headline\":\"Become a Loan Officer in Rhode Island\",\"datePublished\":\"2023-09-08T18:33:11+00:00\",\"dateModified\":\"2025-01-31T03:12:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-rhode-island\"},\"wordCount\":1220,\"publisher\":{\"@id\":\"https:\/\/www.morty.com\/resources\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-rhode-island#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/09\/ri-scaled.webp\",\"keywords\":[\"Mortgage License Application\",\"National SAFE Exam\",\"NMLS\",\"Pre-Licensing Mortgage Coursework\",\"Rhode Island\",\"State Mortgage Licensing Requirements\"],\"articleSection\":[\"Loan Officers\",\"State Licensing\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-rhode-island\",\"url\":\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-rhode-island\",\"name\":\"Guide to Becoming a Mortgage Loan Officer in Rhode Island\",\"isPartOf\":{\"@id\":\"https:\/\/www.morty.com\/resources\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-rhode-island#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.morty.com\/resources\/loan-officers\/becoming-a-loan-officer-in-rhode-island#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2023\/09\/ri-scaled.webp\",\"datePublished\":\"2023-09-08T18:33:11+00:00\",\"dateModified\":\"2025-01-31T03:12:12+00:00\",\"description\":\"Considering becoming an MLO in Rhode Island? 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