How do I renew my MLO license?

State-licensed MLOs renew through NMLS each year between November 1 and December 31. You must complete the required continuing education (at least 8 hours) before renewing, verify your record, complete the attestation for each license, and pay renewal fees. Licenses not renewed by December 31 may be terminated, and many states allow reinstatement between January 1 and the end of February, often with additional fees.

You renew online through NMLS during the annual renewal window, November 1 to December 31. First, complete at least 8 hours of NMLS-approved continuing education for the year: 3 hours of federal law, 2 hours of ethics, 2 hours on nontraditional mortgage products, and 1 hour of electives. Alabama blocks renewal if CE is not complete. The Alabama renewal fee is $75, plus the $35 NMLS annual processing fee. If you miss the deadline, NMLS runs a reinstatement period from January 1 through the end of February.

Renew through NMLS during the annual window, which runs November 1 to December 31. You must complete 8 hours of continuing education (3 hours of federal law, 2 hours of ethics, 2 hours of non-traditional lending, and 1 elective) by December 31, authorize a new credit report, and clear all license items, deficiencies, and unpaid fee invoices before submitting.

File your renewal through NMLS between November 1 and December 31 of each calendar year, and pay the $50 state renewal fee. You must complete 8 hours of continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional lending, and 1 elective) before submitting the renewal, because Arkansas blocks renewal applications with incomplete CE. If you miss December 31, Arkansas accepts a late filing for 15 days with a $50 late fee; after that you must file a new application and meet all initial-licensure requirements.

Colorado MLO licenses renew through NMLS alone, from November 1 to December 31 each year. Before renewing, complete the 8 hours of NMLS-approved continuing education (course providers may take up to 7 days to report completion) and confirm your errors and omissions insurance and surety bond are active. The $8.00 renewal fee is collected during NMLS registration renewal, and the license expires at midnight on December 31 if not renewed, meaning you may not originate loans in Colorado.

Renew your license through NMLS between November 1 and December 31. You must complete 8 hours of annual continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional mortgage lending, and 1 hour of Connecticut law) and pay a $300 license fee plus NMLS processing fees. Connecticut prohibits you from applying to renew until your CE is complete, and providers may take up to 7 days to report a course completion into NMLS. You also need an active sponsorship to be eligible to renew.

Delaware MLO licenses renew through NMLS, with the renewal window opening November 1 and the filing deadline December 1 each year. Before renewing, complete 8 hours of annual continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional lending, 1 elective) by December 1. NMLS collects the $250 annual license fee at renewal, and the Office of the State Bank Commissioner bills a separate $500 supervisory assessment each July, due August 1.

Renew your DC MLO license through NMLS during the annual renewal window, November 1 to December 31. You must first complete 8 hours of continuing education: 3 hours of federal law, 2 hours of ethics, 2 hours of non-traditional mortgage lending, and 1 hour of DC-specific education. DC prohibits you from applying to renew until your CE is complete, and its CE deadline is November 1. If you miss the deadline, the NMLS reinstatement period runs from January 1 through the end of February.

Renew your license through NMLS during the annual renewal window from November 1 to December 31. Before requesting renewal, you must complete the 8 hours of continuing education required by HRS 454F-9 and pay the fees: a $350 state renewal fee plus a $100 Mortgage Loan Recovery Fund fee, in addition to NMLS processing fees. If you miss the window, Hawaii allows reinstatement only between January 1 and February 28 of the following year.

You renew through the Nationwide Multistate Licensing System (NMLS) during the annual window from November 1 to December 31. First complete 8 hours of continuing education, including 3 hours of federal law, 2 hours of ethics, 2 hours of non-traditional lending, and 1 hour of Idaho law, by December 1; Idaho prohibits you from submitting a renewal until CE is complete. The renewal fee is $100, and renewals not approved by December 31 incur a $100 reinstatement fee, with reinstatement available through February 28.

You renew your Iowa mortgage loan originator license through NMLS by December 1 of the expiration year, paying a $50 nonrefundable renewal fee. Renewals accepted after December 1 carry a late fee of $5 per day, up to $100. To renew, you must complete the continuing education required by Iowa Code section 535D.10, meet the standards in Iowa Code section 535D.9, and pay all required fees, including late fees.

File a complete renewal application and the $100 renewal fee through NMLS by December 1 of each year, after completing 8 hours of continuing education. Kansas prohibits you from applying to renew if your continuing education is not complete, and providers may take up to 7 days to report a completion into NMLS. If the deadline passes, you can reinstate the registration through the last day of February by paying the $50 reinstatement fee plus any late fees; after that date, the filing is treated as a new application.

Complete 8 hours of NMLS-approved continuing education during the calendar year: 3 hours of federal law, 2 hours of ethics, 2 hours of non-traditional lending, and 1 hour of Kentucky-specific law. Then renew online through NMLS by November 30, which is earlier than the standard national renewal window, because Kentucky prohibits renewing before CE is complete. You must also submit a background check and consent to a credit report at each renewal. The renewal fee is $50 plus the NMLS processing fee; a missed renewal can be reinstated within 30 days for a $250 fee.

Submit your annual renewal through the Nationwide Multistate Licensing System (NMLS) on or before December 31. You must complete your 8 hours of continuing education before filing, because Louisiana prohibits submitting a renewal until CE is complete. The renewal fee is $200, and a late renewal filed between January 1 and March 1 adds a $50 late fee.

Renew your license through the Nationwide Mortgage Licensing System (NMLS) during the annual renewal window, November 1 through December 31. Before you apply, you must complete at least 8 hours of NMLS-approved continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional lending, 1 hour elective), and Maine prohibits you from applying to renew if you have not completed it. If you miss the deadline, the reinstatement period runs January 1 through the end of February.

Renew your Maryland mortgage loan originator license in the Nationwide Mortgage Licensing System and Registry (NMLS) between November 1 and December 31. First complete 8 hours of NMLS-approved continuing education: 3 hours of federal law, 2 hours of ethics, 2 hours on nontraditional mortgage products, and 1 hour of Maryland law. Then pay the $225 renewal fee plus NMLS processing fees. Renewal requests process automatically 5 days after submission if nothing is outstanding in your record.

You renew through the Nationwide Multi-State Licensing System (NMLS) during the renewal window, November 1 through December 31. You must complete 8 hours of NMLS-approved continuing education, including 1 hour of Massachusetts law, authorize a credit report, and satisfy the FBI criminal background check requirement if your existing check is outdated. A missed deadline means the license expires January 1, with reinstatement available through the last day of February.

Renew your Minnesota mortgage loan originator license through NMLS between November 1 and December 31 each year. Licenses expire December 31 and are renewable on January 1, and the state renewal fee is $50. You must complete at least 8 hours of NMLS-approved continuing education, including 1 hour of Minnesota state law and rules, before submitting the renewal; Minnesota prohibits renewal if the CE is not complete. If you miss the deadline, a January-February reinstatement period may be available in NMLS.

Submit a renewal request through NMLS between November 1 and December 31, after completing at least 8 hours of continuing education covering 3 hours of federal law, 2 hours of ethics, 2 hours on nontraditional mortgage products, and 1 elective hour. Mississippi charges $150 plus a $1 EOC fee, and NMLS adds a $35 processing fee. If the request and documents are not received by December 31, the renewal cost rises to $300.

Renew your Missouri MLO license through NMLS during the annual window, which runs November 1 to December 31. You must complete 8 hours of NMLS-approved continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional lending, and 1 hour Missouri law), authorize a new credit report and criminal background check, hold active sponsorship from a licensed company, and pay the $50 renewal fee as of the 2025 fee schedule. If the renewal is not approved by December 31, the license expires and you are inactive on January 1.

Submit your renewal through NMLS between November 1 and December 31. To renew, you must complete 8 hours of continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional products, 1 elective), pay the $100 renewal fee plus a $30 NMLS processing fee, and authorize a new credit report. Montana prohibits an MLO from renewing if continuing education is not complete.

All Nebraska mortgage loan originator licenses expire on December 31 regardless of issue date. NMLS opens renewal functionality on or about November 1, and you must submit your renewal by December 31 with 8 hours of completed continuing education, a new credit report authorization, an accuracy attestation, and payment of the $125 state renewal fee plus the $35 NMLS processing fee. Nebraska prohibits renewing if continuing education is incomplete, and providers can take up to 7 days to report a completion into NMLS, so finish your courses early.

Nevada MLO licenses renew every calendar year through NMLS from November 1 to December 31. You must complete at least 8 hours of approved continuing education in the 12 months before expiration (3 hours federal law, 2 hours ethics, 2 hours non-traditional lending, 1 hour elective; a Qualified Employee substitutes 1 hour of Nevada law for the elective), and you cannot submit a renewal application until CE is complete. As of the fee schedule updated September 2026, the state renewal fee is $50, plus a $35 NMLS annual processing fee.

Renew your New Hampshire mortgage loan originator license during the annual NMLS renewal window, November 1 through December 31. Before renewing, complete 8 hours of NMLS-approved continuing education (3 hours federal law, 2 hours ethics, 2 hours non-traditional lending, 1 hour elective) and have it posted to your NMLS record; New Hampshire prohibits you from applying to renew if CE is not complete. Course providers can take up to 7 days to report completions, so finish CE early. If you miss the deadline, NMLS offers a reinstatement period in January and February.

Submit your renewal application through NMLS between November 1 and December 31, pay the $200 state renewal fee plus NMLS processing fees, and complete 8 hours of continuing education, including 1 hour of New Mexico content, by December 31. New Mexico blocks renewal if CE is unfinished, and course providers can take up to 7 days to report completions, so do not wait until late December. If you miss the deadline, you can reinstate between January 1 and February 28 for a $100 fee.

Renew your North Dakota MLO license through NMLS between November 1 and December 31 each year. You must first complete your 8 hours of NMLS-approved continuing education, because North Dakota prohibits applying to renew without finished CE, then pay the $50 state renewal fee plus the NMLS processing fee. If you miss the window, NMLS runs a reinstatement period from January 1 through the end of February.

Ohio mortgage loan originators renew their licenses in NMLS between November 1 and December 31 each year. Before renewing, you must complete at least 8 hours of NMLS-approved continuing education (3 hours of federal law, 2 hours of ethics, 2 hours of non-traditional lending, and 1 elective hour), because Ohio prohibits you from applying to renew when CE is incomplete. If you miss the deadline, you may be able to reinstate your license during the January-February reinstatement period in NMLS.

You renew an Oklahoma MLO license through NMLS, and renewal documentation must be submitted before December 1 each year. Complete 8 hours of NMLS-approved continuing education first, because Oklahoma blocks renewal until CE is done, and providers may take up to 7 days to report completions. After December 1, a late fee of $10 per day applies, up to $300, and licenses not renewed by December 31 expire.

Oregon mortgage loan originator licenses expire December 31 each year. Renew through the Nationwide Multistate Licensing System and Registry (NMLS) during the renewal window, which opens November 1, and submit all required information at least 30 days before expiration. You must complete 10 hours of NMLS-approved continuing education, including 2 hours of Oregon-specific CE, before applying, because Oregon blocks renewal submissions without current-year CE. The state renewal fee is $65 plus the $35 NMLS annual processing fee.

Rhode Island Mortgage Loan Originator licenses expire on December 31 each year, and the renewal window runs from November 1 through December 31. Before renewing, you must complete 8 hours of NMLS-approved continuing education (3 hours federal law, 2 hours ethics, 2 hours non-traditional lending, plus 1 hour of Rhode Island law) and authorize both an FBI criminal background check and a credit report in NMLS. If you miss the deadline, the reinstatement period runs January 1 through the last day of February; after that, you must re-apply for the license.

In South Dakota, a mortgage loan originator license expires on the following December 31 after it is issued, and the renewal application must be postmarked to the director by December 1. You must continue to meet the license issuance standards and complete annual continuing education set by rule. The renewal fee may not exceed $250; filing between December 2 and December 31 adds a late fee of up to 25% of the renewal fee. After January 1, you must file a new application rather than renew.

You renew your Tennessee mortgage loan originator license through NMLS during the annual renewal window, November 1 to December 31. Before filing, you must complete 8 hours of continuing education (3 hours federal law, 2 hours ethics, 2 hours non-traditional lending, and 1 hour elective), because Tennessee blocks the renewal filing itself until CE is complete. If your last credit report or fingerprint submission predates January 1, 2024, you must also authorize a new TransUnion credit report or resubmit prints in NMLS.

Renew through the Nationwide Multistate Licensing System during the renewal window, which runs November 1 to December 31. Complete your continuing education before applying: a Utah Division of Real Estate MLO must finish 8 hours of NMLS-approved education plus a 1-hour Utah course by December 15, while a Department of Financial Institutions MLO must finish 8 hours by December 31. If you miss the deadline, the NMLS reinstatement period runs through the end of February; a Utah Division of Real Estate license that expired December 31 must be reinstated by February 28.

You renew through the Nationwide Multistate Licensing System (NMLS) during the annual window, November 1 to December 31. First, complete 9 hours of NMLS-approved continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional lending, 1 hour elective, and 1 hour Washington law) and pay the $125 annual assessment plus the $35 NMLS processing fee. Complete CE by December 15, because providers may take up to 7 days to report it. Miss the window, and you can renew through the last day of February for an extra 50% ($62.50).

You renew your license through the Nationwide Multistate Licensing System and Registry (NMLS) between November 1 and December 31 each year. Before applying, you must complete West Virginia's 9 hours of continuing education by the November 1 deadline and pay the renewal fees, which include a $35 NMLS processing fee, a $36.25 criminal background check, and a $15 credit report. If you miss the deadline, NMLS runs a reinstatement period from January 1 through the end of February.

Renew your Wisconsin MLO license through NMLS between November 1 and December 31 each year, since Wisconsin licenses expire on December 31. You must complete 8 hours of NMLS-approved continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional mortgage products, 1 elective) before applying to renew, and Wisconsin prohibits renewal applications with CE incomplete. The state renewal fee is $250 plus a $35 NMLS processing fee; late renewal runs January 1 through the end of February with an additional $100 fee, and after March 1 you must file a new application.

Submit a renewal request through NMLS between November 1 and December 31. You must first complete at least 8 hours of NMLS-approved continuing education (3 hours federal law, 2 hours ethics, 2 hours non-traditional lending, 1 hour elective), since Wyoming prohibits renewal without completed CE, and pay the $150 renewal fee. If the license expires, you have until March 1 of the following year to complete renewal requirements and reinstate it.