Top 5 MLO NMLS Course Providers in Texas

If you decided to pursue a career as a Loan Originator, you probably know that you need to obtain a license. Texas has 2 basic requirements to get licensed: you need to complete 23 hours of NMLS-approved courses and pass the National Exam.

There are a lot of schools and options available out there. How do you decide which one to choose?

After spending a lot of time researching into this on my own, I will share what I found so you can determine which one works best for you.

Top MLO NMLS Schools in Texas

1Allied SchoolsOnlineOnce every 2 weeks$
2Mortgage EducatorsOnline, Webinar3x every week$
3Mortgage-Education.comOnlineOnce every week$$$
4Champions School of Real EstateClassroom, WebinarOnce a month$$$
5OnCourse LearningOnlineTwice every week$$

All of the schools listed above are approved by the NMLS to provide these courses. That being said, their course must follow strict guidelines so there will be a lot of similarities. Before we take a deep dive into each school, we should first break down the NMLS course requirements to see what every school will do the same, no matter which one you decide to go with.

Course Requirements by the NMLS

  • NMLS courses are always “instructor-led.” This means that you will be put in with a group of 10 to 15 other students with a dedicated instructor assigned to you. This could be a live human being teaching the course, or depending on which school you go with, this could be virtual, meaning they will interact with you via messaging or discussion forum. You will not necessarily have to show up at a specific time.
  • The course will have a specific start and end date. Other online programs usually give you the freedom to study whenever you want. However, the NMLS is very particular about the structure of this course. They want to make sure you are actively participating the whole time and keeping pace.
  • There are no shortcuts. In the past, many people were caught trying to cheat through the courses or even go to the extremes of having someone else take it for them. Every NMLS provider must adhere to their regulations to prevent that from happening, such as making students sign in through a biometric password system called BioSig, automatically logging you out if you are idle for too long, and signing an agreement that you agree to abide by NMLS rules.

Now that you have a basic understanding about what you will find no matter which school you attend, here is my review of the best NMLS course providers in Texas to become a Mortgage Loan Originator.

Allied Schools is a subsidiary of the Colibri Group, which has the largest market share in real estate education. By a lot. There’s a certain comfort factor going with the biggest school, because you don’t become that big unless your program actually works and people are successful with it. They have been offering the mortgage program for close to 30 years now, and they provide the course in an online text format similar to reading an online book. I’ve found they have the most liberal scheduling policy (you can study any time during the day), so if you are working full-time or have a busy schedule, this will be the most flexible option for you. There is only one course offered every other week, so you will want to see how that affects your timing.

Packages Start At

Course Availability

New classes start every other Wednesday
Can study any time during the day
14-day duration

Mortgage Educators and Compliance also has a very well known mortgage licensing program in Texas. You are able to watch videos when you take their course, which makes it a lot more engaging. However, you can’t just doze off. You will be quizzed and have to complete activities on average every 5 minutes. You are allowed to take breaks during the session. However, it is recommended you try to sit through the whole session since it will require your 100% concentration. They also do have some live webinar options but there is limited availability, and you have to log in at specific times.

Packages Start At

Course Availability

New classes start every Mondays, Wednesdays, and Fridays
Online courses starts at 10 am CT
5-day, 7-day, and 12-day duration (online)

Live Webinars start at 11 am CT
3-day duration (webinar only) is one of a handful of schools that offer mortgage courses in all 50 states. If you are interested in getting licensed in multiple states in the future, this will be useful since you can get all your courses done at one shop. They are a little higher on the price range, but they offer a very unique schedule to complete the courses. You can complete the courses in as little as 3 days or stretch it out to 5 days. If you are trying to cram this in and get licensed as soon as possible, this will be a great option for you.

Packages Start At

Course Availability

New classes start every Tuesdays

There are 9 independent sessions held during the week. You need to attend any 6 out of the 9 available sessions to complete the course.

Two sessions are available each day from Tuesday through Friday, and one shorter “cram” session on Saturday

Tuesday through Friday
Session starts at 10 am to 2 pm EST
Session starts at 3 pm to 7 pm EST

Saturday (Cram Session)
Session starts at 12 pm to 3:15 pm EST

You are given the freedom to choose any session, which means if you pick the first 6 sessions, you can finish in 3 days (Tuesday through Thursday).

Champions School of Real Estate is perhaps the best known real estate school in Texas. They offer live classes and webinars that are second to known across their 7 campuses. All of their mortgage pre-licensing courses are 3 days long and start at 8:30 am sharp. Also, they are only offered once a month at each of their campus locations, so if you have a full-time job, it may not work with your schedule. They do offer what they call “Champions Advantage,” which lets you mix and match between live class and webinar. Keep in mind, they do not offer an online program of their own. They are reselling another school’s program.

Packages Start At

Course Availability

Held once a month at each campus
Starts at 8:30 am CT
3-day duration

The OnCourse Learning mortgage program has been around for a while, just under a different name called ProSchools. There is nothing really flashy or gimmicky about the courses. They focus on serious professionals who want to get the courses done in a simple and pain-free way. They have among the widest selection of course availability, so if you have a busy schedule or work full-time, you will probably be able to find something that works nicely with your schedule. 

Packages Start At

Course Availability

New courses start every Wednesdays and Fridays
Start time 12 pm CT

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