Skip to content
State Cert Guide

Independent guide, not a government agency. We earn commissions on some links.

What do I need for a Wyoming mortgage loan originator license?

In Wyoming, unless an exemption applies, an individual may not engage in the business of a mortgage loan originator for any dwelling in the state without first obtaining a license. The prelicensing requirement is at least 20 hours of approved education. The individual must also pass a qualified written test, scoring at least seventy-five percent correct answers.

By State Cert GuideChecked against the sources listed below.Report a mistake

The rule, fact by fact

Course hours
At least 20 hours of approved educationThe statute sets minimum hours on three topics, listed in the questions below.
Verified. wyoleg.gov (opens state website) · checked Nov 13, 2026
Cost
$110 for the SAFE MLO Test, as NMLS lists it. This is not the course priceWe haven't confirmed a course price from a source.
NMLS Resource Center · SAFE MLO Test overview (opens website) · checked Nov 13, 2026
Online accepted
Yes. A classroom, online, or any other means the registry approvesThe statute says this about prelicensing education in general.
Same source and date as above
Passing score
A passing score is not less than seventy-five percent correct answersThe statute sets this for a qualified written test.
Same source and date as above

How to get it done

  1. Step 1. Check whether you need the license. Unless an exemption applies, an individual may not engage in the business of a mortgage loan originator for any dwelling in Wyoming without first obtaining a license and maintaining it annually.

  2. Step 2. Pick a course the registry approves. The statute has the registry review and approve prelicensing courses and their providers. Hours it approved for any state on federal law, ethics and nontraditional lending count as credit in Wyoming.

  3. Step 3. Take at least 20 hours. The statute lets prelicensing courses be offered in a classroom, online, or by any other means the registry approves.

  4. Step 4. Pass a qualified written test, which the registry develops. After failing three tests, an individual waits at least six months before taking it again.

Before you pay

Before you pay, check that the registry has approved both the course and its provider.

Questions

What must the 20 hours include?

At least three hours of federal law and regulations, three of ethics, and two on lending standards for the nontraditional mortgage product marketplace. NMLS lists the rest as 12 hours of electives.

Who is exempt from the license?

The statute lists several exemptions. Among them is an individual who offers or negotiates a residential mortgage loan with or on behalf of an immediate family member.

What does the test cover?

A test counts as a qualified written test only if it measures knowledge in subject areas including ethics, and federal and Wyoming law and regulation on mortgage origination. NMLS lists 120 questions, with 115 scored. The five unscored pre-test questions have no effect on your pass or fail result.

What if I held a Wyoming license before?

Someone licensed after July 1, 2009 who applies again does not repeat prelicensing education but must have finished all continuing education. A license lapsed for at least five years means retaking the test, not counting time as a registered originator.

What to do next

Start with the Wyoming statute on prelicensing education. Then pick a course the registry approves.

wyoleg.gov

Sources we read