Сравнение курсов подготовки к экзамену NMLS: цены, форматы и проходимость

The requirements for any new mortgage loan officer begin in the same manner: 20 hours of NMLS-approved pre-licensing education per the SAFE Act (plus any additional state law hours the individual state may require).  Anything beyond that is generally a matter of provider, price, course format and how well you are provided to pass the exam. This updated September 2026 guide compares six providers course by course, complete with pricing and pass-rate information. 1. 24hourEDU Pricing/Packages: Bundled packages run you $189 and include your 20-hour course, exam prep materials, state law hours reporting and NMLS reporting. Course Format: 24hourEDU has a 100% online and self-paced video loan officer course that can be accessed for life after completion. State-by-State Availability and PE Requirements: This provider is approved nationwide for the 20-hour comprehensive SAFE requirement and includes as a bonus state law hours that cover the general requirements. NMLS Provider ID / Approval Verification: Approved by NMLS, with provider ID number 1405107 and can be verified online before enrollment. Exam Pass Rate / Prep Tools: The course comes bundled with over 1,000 practice questions in an exam prep course at no additional charge. There are no provided exam statistics on pass rates. SAFE Act Compliance: Comprehensive compliance with the 20-hour SAFE requirements, the course covers national laws, ethics and non-traditional lending hours. CE vs PE Distinction: Offers the standard 8-hour NMLS-approved CE courses required for MLO license renewal as well as PE training. Mobile Access: Short, video-based lessons are compatible with most mobile devices, so you can study wherever you are. Has a Facebook page that provides regular insights into the industry. Customer Support: Instructor access is included as an added benefit and your NMLS hours reporting is done automatically through the provider. Use Cases: Ideally suited for agents or industry career-changers looking to be cross-licensed as loan officers, who like the advantage of the study guides included as standard. Pros: Exam preparation as well as state law, are part of the overall package and not offered separately. Cons: There aren’t as many years of experience that many of the other long-standing providers have. RealEstateU Pricing/Packages: The base course will cost you $149, while the package deals, including study guides and career-focused add-ons, range up to $299 depending on your state. Course Format: The 100% online and self-paced course is built for learning on the go, so you can study the material at your own pace on any device you wish. State-by-State Availability and PE Requirements: The course is offered all across the country. Certain states such as New York require students to add on another three-hour law class on top of the 20-hour national course. NMLS Provider ID / Approval Verification: Verification is approved with NMLS Provider ID 1405093, you can verify its status on NMLS Consumer Access. Exam Pass Rate / Prep Tools: There is no public information regarding exam pass rates on offer, and the basic study guide is the only option for those not opting for a higher-tier package or bundle. SAFE Act Compliance: At 20 hours in length, it meets the SAFE Act’s comprehensive requirements, covering federal law, ethics, and non-traditional lending topics. CE vs PE Distinction: RealEstateU offer NMLS-approved continuing education and PE training. Mobile Access: The use of audio-narrated chapters, that can be viewed on a mobile phone, provides ease of learning if you have limited time to study in blocks. eTextbooks are also available for on the go learning. Customer Support: Most of your customer service will be via email, as live chat and telephone support options are not available. Use Cases: Best for self-motivated students on a tight budget looking to get their license quickly with minimal handholding. Pros: One of the lowest listed entry costs available. Cons: If you want more support it will cost you more with a comprehensive exam guide, eTextbook, and insider knowledge being an extra $150. 3. Mortgage Educators & Compliance Pricing/Packages: Cost $349 for the course and test-prep package. Some state electives may require additional payment. Course Format: The course is available entirely online but paced by the instructor. It is available anytime within designated timeslots on a schedule, resembling a blended experience of live pacing combined with on-demand access. State-by-State Availability and PE Requirements: Your states are chosen and the relevant electives loaded onto your account after payment, with states that have additional pre-requisites clearly indicated when you are ready to checkout NMLS Provider ID / Approval Verification: Listed under NMLS Course ID 2161 and NMLS Provider ID 1400062. Exam Pass Rate / Prep Tools: Your test-prep account access is for six months with the option of an extension upon request; there is no independently published success rate. SAFE Act Compliance: Fulfills each requirement including three hours of federal law and 3 hours of ethics training plus two hours on non-traditional lending and 12 hours on an elective study topic. CE vs PE Distinction: Runs separate CE renewal courses alongside its PE catalog for licensed MLO’s that need additional annual hours. Mobile Access: NMLS courses are not currently optimized for mobile devices and works better on a traditional laptop or computer. Customer Support: Exams and homework are graded weekdays, meaning submission on the weekend won’t be completed until the next business day. Use Cases: An instructor guided and scheduled pace, ideal for someone who is used to traditional learning rather than a strictly pre-recorded library of video lessons. Pros: Genuine instructor connection where so many others fail on automated learning. Cons: Slow grading for those who work outside business hours and a complete lack of mobile optimization. 4. OnCourse Learning Pricing/Packages: Ranges by state and tier. A state must be selected before a price is provided.  Standard training packages start at $279 for a standard 20 hour course and go up to $509.15 for standard training and a comprehensive exam prep package. Course Format: Choose between classroom live, webinar, or text/video-only self-paced courses. State-by-State Availability and PE Requirements: The main package covers base NMLS for about two-dozen states, and individual states are priced separately and sold as add-ons. NMLS Provider ID / Approval Verification: NMLS approval ID is 1053 and provider ID is 1400013. Exam Pass Rate / Prep Tools: Their MLO Test Ready Course takes 10 days; it requires 12+ hours within the Prep xL study tool, which achieves an reported 85% pass rate. SAFE Act Compliance: Course content adheres to federal statutes such as non-traditional mortgage lending or ethical concerns; they offer 12 elective hours on top of mandatory topics and federally required coursework. CE vs PE Distinction: Offers both full CE offerings and new-license PE, a feature helpful for MLOs who renew licenses from several states. Mobile Access: Mobile users can access the text or video self-paced content via browser, while the webinar coursework will require active camera participation for real-time lectures. Customer Support: A key benefit for the webinar track is the availability of tutoring or small-group discussions. A more hand-holding approach compared to the many completely self-paced opponents. Use Cases: Applies to individuals wanting an all-encompassing learning experience. Also suitable for those transitioning to MLO, preferring structure over solitary preparation. Pros: An established, competitive pass rate that includes timed preparation tools. Cons: Costs are restricted as you need to choose a state before seeing what it would cost. 5. The CE Shop Pricing/Packages: The standard course, which includes exam prep, costs $365. The premium course that includes CE credits and an eTextbook is $589. Course Format: Most courses are self-paced online and have a live webinar option for an extra fee. State-by-State Availability and PE Requirements: Available in all states with state-specific add-on courses required for certain subjects. NMLS Provider ID / Approval Verification: Holds an active NMLS course provider state with provider ID number 1405076. Exam Pass Rate / Prep Tools: The top package includes a diagnostic exam and multiple practice exams developed following the official exam blueprint. Does not publish overall pass rates for its programs. SAFE Act Compliance: Satisfies the 20-hour SAFE Act PE requirement for initial license. A 70% rate is needed to pass the final exam. CE vs PE Distinction: Runs a full CE catalog alongside PE, useful once you are licensed and renewing annually. Mobile Access: The top package features a mobile study app. Courses can be taken from anywhere on your mobile device. Customer Support: Coursework completion will be reported to NMLS within seven days once the course has been completed successfully. Use Cases: Agents doing the initial PE required to cross license into the mortgage business, especially useful for individuals who already sell real estate and work with The CE Shop. Pros: Exam prep tools are geared specifically to the exam outline, which is preferred to generic review material. Cons: The all-inclusive option is on the expensive side. 6. Champions School of Real Estate Pricing/Packages: Prices start at $480 depending on the state and on whether marketing and business etiquette add-ons are included. Course Format: Offers an in-person class option, a Zoom-based live instructor led session, and a video based self-paced online option. State-by-State Availability and PE Requirements: State law hours (like Virginia’s 2-hour requirement) are available but bundled into a PE package. NMLS Provider ID / Approval Verification: Champions School of Real Estate NMLS Provider is 1400073. Exam Pass Rate / Prep Tools: Has an intensive three-day pass training, offered for a discount if it’s bought along with PE. Has no published pass rate. SAFE Act Compliance: Is adequate for the 20-hour SAFE ACT requirement (as it uses virtual classroom or interactive online learning). CE vs PE Distinction: Offers a different, separate, 8-hour SAFE CE renewal class, specifically for already-licensed MLOs. Mobile Access: The self-paced online option is available through a web-based format that works on a mobile browser, but the catalog’s offerings are not designed with mobile learning in mind. Customer Support: Zoom-based live-instructor classes come with the ability to ask direct questions of the instructor at specific points. Use Cases: This format would be most helpful for those living in Texas that would prefer interactive learning with a live instructor in a classroom or on Zoom rather than a completely self-paced option. Pros: Offers a long track record and great live instruction access. Cons: Not the most expensive option but limited as the physical location is based in Texas. Quick Comparison Provider | Starting Price | Format | Best For | Limitation RealEstateU | $149 | Self-paced audio/video | Budget-conscious learners | Thin exam prep, no live instructor 24hourEDU | $189 | Self-paced video | New MLOs wanting prep bundled in | Newer brand, smaller review footprint Mortgage Educators & Compliance | $349 | Instructor-led online | Learners who want structured pricing | Higher entry price than budget options OnCourse Learning | $279 | Webinar, video, or self-paced | Career-changers wanting live coaching | Pricing info is limited, state selection required The CE Shop | $365 | Self-paced or live webinar | Agents cross-licensing into mortgage | Full package can be expensive Champions School of Real Estate | $480 | Classroom, Zoom, or self-paced | Texas-based originators | Footprint concentrated in Texas Frequently Asked Questions Am I able to complete the full 20 hour SAFE course entirely online? Yes, every provider above has either their self-paced or instructor led online option that meets the requirements of the SAFE Act. What is the best passing rate for a mortgage licensing course? OnCourse Learning provides a passing rate of 85% for their MLO test ready course vs a 55% national passing rate. What is the cheapest NMLS pre-licensing course for a new loan officer? The two cheapest providers for new loan officers are Champions School of Real Estate and RealEstateU. Conclusion The Problem: Choosing an NMLS pre-licensing provider is challenging because courses differ sharply in pricing, format, mobile access and exam prep quality. Key Takeaways: Entry level pricing varies widely depending on whether study materials are included or not, and course formats range from flexible self-paced options to structured classroom instruction. Next Steps a. Identify your state’s specific pre-licensing hour requirements and electives. Select your preferred learning format. Compare total package cost against included exam prep tools before enrolling.