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ALABAMA NMLS
MORTGAGE LICENSE REQUIREMENTS

Pour yourself a sweet tea - here's everything Alabama mortgage loan originators need to know about NMLS licensing requirements for 2026.

Alabama Continuing Education (CE) at a Glance

Total Hours

8 Hours

Courses Required

1 Course

Renewal Deadline

Dec 31

Alabama Pre-Licensing (PE) at a Glance

Total Hours

20 Hours

Courses Required

1 Course

ALABAMA NMLS CE REQUIREMENTS — 8 HOURS

Alabama mortgage loan originators must complete 8 hours of NMLS-approved continuing education annually. Alabama has no state-specific CE requirement — all 8 hours are standard federal content.

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  • 3 hours of federal law

  • 2 hours of ethics, including fraud, consumer protection, and fair lending

  • 2 hours of non-traditional mortgage lending

  • 1 hour of electives​

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Alabama MLOs who completed pre-licensure education and received initial license approval in 2026 are not required to complete CE this year.

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The deadline to complete Alabama NMLS continuing education is December 31. Course completions can take up to 7 days to be reported to NMLS — complete your Alabama CE by December 5 to avoid missing the renewal window.

ALABAMA NMLS PRE-LICENSURE EDUCATION REQUIREMENTS — 20 HOURS

New Alabama mortgage loan originators must complete 20 hours of NMLS-approved pre-licensure education before obtaining a license. Alabama has no state-specific PE requirement — all 20 hours are standard federal content.

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  • 3 hours of federal law

  • 3 hours of ethics, including fraud, consumer protection, and fair lending

  • 2 hours of non-traditional mortgage lending

  • 12 hours of electives

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After completing PE, candidates must pass the SAFE MLO Test before applying for a license in NMLS. The application process includes a criminal background check, credit check, and employment sponsorship from a licensed mortgage company. Once all requirements are satisfied, the state regulator reviews and approves the application through NMLS.

For more information on California Licensing requirements, visit the official NMLS State-Specific Requirements page.

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