How do I renew my mortgage loan originator license through NMLS?

Log in to NMLS between November 1 and December 31, verify your record information, complete your state's continuing education, confirm your criminal background check and credit report are current, complete the required attestation for each license, and pay renewal fees plus any outstanding invoices. Your course provider must report your CE completion to NMLS before you can renew, and most completions post within 7 calendar days, so NMLS encourages finishing CE well before the deadline. Licenses with unresolved deficiencies may not be renewable until the items are cleared.

The NMLS renewal window runs from November 1 to December 31 each year. To renew, submit your renewal request through NMLS, complete at least 8 hours of continuing education by December 31, and pay the $75 state renewal fee plus the $35 NMLS annual processing fee. Alabama blocks renewal filing if your CE is incomplete, and course providers can take up to 7 days to report completions. If you miss the deadline, the NMLS reinstatement period runs January 1 through the end of February.

File your renewal application through NMLS during the renewal window, November 1 to December 31. You must complete the required 8 hours of continuing education before submitting, because Arkansas blocks renewal applications when CE is unfinished, and providers may take up to 7 days to report completions. The state renewal fee is $50; a late filing is accepted for 15 days after December 31 with a $50 late fee.

Colorado renews its mortgage loan originator licenses through NMLS only; the renewal fee, $8.00 as of the September 30, 2026 fee schedule, is collected during the NMLS registration renewal and no further state filing is required. The renewal window runs November 1 to December 31, and the license expires December 31 if not renewed. Before renewing, complete the 8 hours of continuing education for the calendar year and confirm your E&O insurance and surety bond are active. Renewals are recorded in the Colorado license record within about 10 business days of the NMLS submission.

Renewal applications are filed through NMLS between November 1 and December 31. Before applying, you must complete 8 hours of continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional lending, 1 hour Connecticut law), and Connecticut bars you from applying for renewal until the CE is complete. You must also hold an active sponsorship, pay the $300 license fee, and pay any NMLS processing fees. Course providers can take up to 7 days to report a completion into NMLS, so finish early.

Renew through the Nationwide Multistate Licensing System (NMLS) between November 1 and December 1 each year; Delaware does not accept renewals filed after December 1. Before you file, complete your 8 hours of continuing education, and pay any outstanding fees, including the $250 license fee and the $500 supervisory assessment billed each July. Licenses expire on December 31.

Renew through NMLS during the annual renewal window, November 1 to December 31. Before applying, you must complete the year's 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 sets the CE completion deadline at November 1 and prohibits renewal applications without completed CE, and providers may take up to 7 days to report a completion into NMLS, so finish early. If you miss the deadline, the NMLS reinstatement period runs January 1 through the end of February.

Log in to NMLS during the annual renewal window, which runs November 1 through December 31, and submit your renewal request, complete the attestation, and pay the applicable fees. Before requesting renewal, you must complete the 8 hours of annual continuing education. Fees include the $350 state renewal fee, the $100 Mortgage Loan Recovery Fund fee, and the NMLS annual processing fee. If you miss the window, Hawaii allows reinstatement between January 1 and February 28.

Submit your renewal request through NMLS during the annual window from November 1 to December 31, and complete your 8 hours of continuing education by December 1 because Idaho prohibits renewal filings until CE is complete. You must also authorize a criminal background check and credit report shortly before filing, naming Idaho as a viewer. The state renewal fee is $100, nonrefundable. If the renewal is not approved by December 31, a $100 reinstatement fee applies, and reinstatement is available through the end of February.

Submit your renewal application through NMLS by December 1 of the year your license expires, along with the $50 nonrefundable renewal fee. Complete your 8 hours of continuing education first; your education provider reports completion to NMLS, and you must retain proof of completion for 3 years after the renewal effective date. Renewals accepted after December 1 carry a late fee of $5 per day, up to $100.

Log in to your NMLS account and submit your renewal request, complete the attestation, and pay the $100 Kansas renewal fee. You must finish 8 hours of continuing education before renewing, and Kansas prohibits you from applying to renew without completed CE. If you miss the December 1 deadline, the NMLS reinstatement period runs January 1 through the end of February.

Renew online through NMLS. First complete 8 hours of continuing education during the calendar year, including 1 hour of Kentucky-specific instruction, before the November 30 deadline. The renewal fee is $50 plus a separate NMLS processing fee, and you must submit a background check and consent to a credit report at each renewal. A missed renewal triggers a 30-day reinstatement window with a $250 fee.

Submit your annual renewal through the Nationwide Multistate Licensing System (NMLS) during the renewal window, which runs November 1 to December 31. Before you can apply, you must complete 8 hours of continuing education: 3 hours federal law, 2 hours ethics, 2 hours non-traditional mortgage lending, and 1 elective hour. The renewal fee is $200. If you miss the deadline, you can renew between January 1 and the end of February with a $50 late fee, but course providers can take up to 7 days to report completions into NMLS, so do not wait until the last minute.

Renew your Maine mortgage loan originator license through the Nationwide Multistate Licensing System (NMLS) during the annual renewal window, November 1 through December 31. You must first complete at least 8 hours of NMLS-approved continuing education, because Maine prohibits renewal applications when CE is not completed. If you miss the deadline, the reinstatement period runs January 1 through the end of February.

The NMLS renewal window runs November 1 through December 31 each year, and a Massachusetts MLO license expires December 31. Before renewing, you must complete 8 hours of NMLS-approved continuing education, including 1 hour of Massachusetts law, and satisfy the FBI background check requirement if your existing check is outdated. The renewal carries the $500 annual state license fee plus the $35 NMLS processing fee. If you miss the deadline, you can request reinstatement through NMLS no later than the last day of February.

Renew through NMLS between November 1 and December 31 each year; the license expires December 31 and is renewable January 1. You must complete 8 hours of NMLS-approved continuing education, including 1 hour of Minnesota state law and rules, before you apply to renew, and pay the $50 state renewal fee plus the $35 NMLS annual processing fee. The license must reach Approved and Renewed status for you to conduct business as of January 1.

Renew your license through the Nationwide Multistate Licensing System (NMLS) during the annual renewal window, which runs from November 1 to December 31. Before submitting the request, you must complete your 8 hours of continuing education, because Mississippi prohibits an MLO from renewing without it. The renewal costs $150 plus a $1 end-of-cycle fee, and NMLS charges a $35 processing fee per loan originator license. If the renewal request and documents are not received by December 31, the cost rises to $300, and documentation submitted after the request must arrive within 30 calendar days.

Submit a renewal request through the Nationwide Multistate Licensing System (NMLS) between November 1 and December 31. Before applying, complete your 8 hours of continuing education, since Missouri prohibits renewal applications without finished CE, authorize a new credit report and criminal background check, and confirm your employer has an active sponsorship on file, because renewal is rejected without sponsorship. Renewal costs $50 in state fees plus the $35 NMLS annual processing fee.

Renew your Montana MLO license through NMLS between November 1 and December 31 each year. The renewal fee is $100 plus a $30 NMLS processing fee, and you must complete 8 hours of continuing education, authorize a new credit report, and clear all outstanding license items before renewal. Submitting by November 30 guarantees processing by January 1. A renewal not submitted by December 31 incurs a $250 reinstatement fee, and reinstatement is available only through the last day of February.

Renew your Nebraska mortgage loan originator license through NMLS between November 1, when renewal functionality opens, and December 31. Complete your 8 hours of continuing education first, because Nebraska prohibits applying to renew before CE is complete, and providers can take up to 7 days to report a completion into NMLS. You must also authorize a new credit report, attest to your record, and pay the $125 state fee plus the $35 NMLS processing fee.

You renew through NMLS during the annual renewal window, November 1 through December 31. Nevada requires 8 hours of continuing education first: 3 hours federal law, 2 hours ethics, 2 hours non-traditional mortgage lending, and 1 hour elective, with 1 hour of Nevada law replacing the elective if you serve as an office's Qualified Employee. Complete CE early, because providers may take up to 7 days to report a completion, and Nevada prohibits renewal applications until CE is complete. The state renewal fee is $50 plus the $35 NMLS annual processing fee.

Submit a renewal application through NMLS between November 1 and December 31, after completing 8 hours of continuing education, including 1 hour of New Mexico-specific education, and paying the $200 state renewal fee along with NMLS processing fees. New Mexico prohibits MLOs from applying to renew if CE is not complete, and course completions can take up to 7 days to appear in NMLS.

Renew during the NMLS renewal window, which runs from November 1 to December 31 each year. You must complete 8 hours of NMLS-approved continuing education before applying to renew, pay the $50 state renewal fee, and pay the $35 NMLS annual processing fee. If you miss the deadline, the NMLS reinstatement period runs from January 1 through the end of February.

Renew through NMLS between November 1 and December 31 each year. You must complete at least 8 hours of NMLS-approved continuing education (3 hours federal law, 2 hours ethics, 2 hours non-traditional mortgage lending, and 1 elective hour) before applying, because Ohio prohibits renewing without completed CE. You must also verify your record, confirm your background check and credit report are current, complete the required attestation, and pay renewal fees. If you miss the deadline, a reinstatement period runs in January and February.

Renew through your NMLS record during the November 1 to December 31 window, but Oklahoma requires the submission before December 1. Before applying, complete 8 hours of continuing education, verify your record, and pay the renewal fees; Oklahoma prohibits submitting a renewal until CE is complete, and course providers may take up to 7 days to report a completion. Submissions after December 1 carry a late fee of $10.00 per day, capped at $300.00, and a license not renewed by December 31 expires, which means filing a new application.

Submit your renewal through your NMLS account during the renewal window, which runs from November 1 to December 31 each year. You must file at least 30 days before your license expires on December 31, pay the $65 Oregon renewal fee plus NMLS processing fees, and complete 10 hours of current-year continuing education, including 2 hours on Oregon law. Oregon prohibits you from applying to renew if your continuing education is incomplete, and providers may take up to 7 days to report course completions.

Renew your South Dakota mortgage loan originator license through NMLS by postmarking the renewal application to the Division of Banking by December 1, since every license expires on December 31. You must continue to meet the issuance standards, including the annual continuing education requirement set by rule. If you file after December 1 but before January 1, you pay a late fee of up to 25% of the renewal fee; after January 1, you must file a new application instead.

Renew between November 1 and December 31 through your NMLS account. Tennessee requires 8 hours of annual continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional lending, 1 hour elective) before you file; the state blocks the renewal filing itself if CE is not complete. If your last credit report was authorized before January 1, 2024, you must authorize a new TransUnion credit report in NMLS, and the same date applies to refreshing your fingerprints. If you miss December 31, you may reinstate through the end of February.

Submit your renewal through NMLS between November 1 and December 31. Before applying, complete your continuing education: a Utah Division of Real Estate MLO needs 8 hours of NMLS-approved CE plus a 1-hour Utah-specific course finished by December 15, and a Department of Financial Institutions MLO needs the standard 8 hours by December 31. Utah also requires an annual division-approved Utah law course, plus fingerprints and a credit report every fifth year. If you miss the deadline, the NMLS reinstatement period runs January 1 through the end of February.

Renew during the NMLS renewal window, which runs November 1 to December 31 each year. Before renewing, complete 9 hours of NMLS-approved continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional lending, 1 hour elective, plus 1 hour of Washington law) and finish it by December 15, since providers can take up to 7 days to report completions. Renewal carries a $125 annual state assessment plus a $35 NMLS processing fee; if you miss the deadline, you can still renew through the end of February by paying an additional $62.50 late charge.

Renew your MLO license through NMLS between November 1 and December 31. You verify your record, complete the required 9 hours of continuing education (due November 1), keep your background check and credit report current, complete the renewal attestation, and pay all fees. West Virginia prohibits you from applying to renew if your CE is not complete, and course providers may take up to 7 days to report completions. If you miss the deadline, NMLS offers a reinstatement period in January and February.

Renew through NMLS between November 1 and December 31, when your Wisconsin license expires. You must complete the 8 hours of annual continuing education before applying, because Wisconsin prohibits renewal when CE is incomplete, and providers can take up to 7 days to report completions into NMLS. Renewal costs a $250 Wisconsin fee plus the $35 NMLS processing fee. The January 1 through February reinstatement period adds a $100 fee, and a renewal not received before March 1 requires a new license application.