The government checks a loan officer's credit because it is vital in establishing whether they warrant financial responsibility. While there are national and state licensing standards for mortgage loan officers, there are no criteria for a minimum credit score to obtain a license. Your career future does not have to be defined by a poor credit score or other worries. So, you may rest assured about becoming a mortgage broker, even if your credit score isn’t satisfactory. However, you must have the appropriate skills to become one.