How do I renew my NMLS mortgage loan originator license?

State-licensed mortgage loan originators renew through the Nationwide Multistate Licensing System (NMLS) between November 1 and December 31 each year. To renew, you verify your record, complete your continuing education (at least 8 hours of NMLS-approved courses annually), confirm your criminal background check and credit report are current, complete the attestation for each license, and pay the renewal fees, including the $35 NMLS processing fee plus state fees. If you miss the deadline, a reinstatement period runs January 1 through the end of February in participating states.

Renew through NMLS during the annual renewal 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, 1 hour elective) by December 31, and pay the $75 Alabama renewal fee plus the $35 NMLS annual processing fee. Alabama prevents renewal if CE is unfinished, and providers can take up to 7 days to report completions. If you miss the deadline, NMLS offers a reinstatement period from January 1 through the end of February.

Alaska mortgage loan originators renew through the Nationwide Multistate Licensing System (NMLS) during the annual window from November 1 to December 31. Before filing, you must complete 8 hours of NMLS-approved continuing education covering federal law, ethics, and non-traditional lending, authorize a new credit report, and clear all deficiencies and unpaid agency invoices. Course completions can take up to 7 days to report, so finish the education well before the deadline.

File your renewal between November 1 and December 31 through the Nationwide Multistate Licensing System (NMLS) and pay the $50 state renewal fee. Complete the required 8 hours of continuing education before submitting, because Arkansas blocks renewals when CE is incomplete, and providers may take up to 7 days to report a completion. A late filing adds a $50 late fee, and Arkansas accepts it for only 15 days after December 31; after that, you must apply as a new licensee.

Renew through NMLS only, between November 1 and December 31 each year; Colorado no longer requires a second filing in its E-license system for renewals. Before renewing, complete 8 hours of NMLS continuing education for the calendar year and keep your E&O insurance and surety bond active. The renewal fee is $8.00 as of September 30, 2026, and the license expires December 31 if not renewed.

You renew through NMLS between November 1 and December 31 of the year the license expires, paying the $300 renewal license fee plus any NMLS processing charges. Before renewing, you must complete 8 hours of annual continuing education, including 1 hour of Connecticut law, and you cannot repeat the same course in successive years. You also need active sponsorship from a licensed lender, correspondent lender, broker, or exempt registrant, and Connecticut prohibits you from applying to renew until your continuing education is complete.

Renew your Delaware MLO license through NMLS. Renewal filing opens November 1 each year, and renewal applications must be submitted no later than December 1, since licenses expire December 31. Before renewing, complete 8 hours of NMLS-approved continuing education by December 1, because Delaware prohibits renewal applications without completed CE. You also pay the $250 annual license fee, plus the $500 supervisory assessment billed by the Office of the State Bank Commissioner each July (due August 1).

Renew through NMLS during the annual renewal window, November 1 to December 31. Before applying, you must complete the annual 8 hours of continuing education, which must include 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 renewal applications without completed CE, and the CE deadline is November 1. Renewal also requires continued compliance with licensing standards and payment of applicable fees. If you miss the deadline, the NMLS reinstatement period runs from January 1 through the end of February.

You renew through the NMLS between November 1 and December 31 each year. Before requesting renewal, you must complete 8 hours of NMLS-approved continuing education, including 1 hour of Hawaii law, and pay the renewal fees: $350 to the state, a $100 Mortgage Loan Recovery Fund fee, and the $35 NMLS annual processing fee. If you miss the window, you may apply for reinstatement between January 1 and February 28.

Renew your Idaho Mortgage Loan Originator License annually through NMLS during the November 1 to December 31 renewal window; the state renewal fee is $100. Before renewing, you must complete 8 hours of NMLS-approved continuing education, including 1 hour of Idaho-specific content, by the December 1 CE deadline, and Idaho prohibits renewal applications until CE is complete. Renewals not approved by December 31 because of late or incomplete filings incur a $100 reinstatement fee, with reinstatement available through the end of February.

Renew through the Nationwide Multistate Licensing System (NMLS) by December 1 of the year of expiration, with a $50 nonrefundable renewal fee. A late fee of $5 per day, up to $100, applies to renewals accepted after December 1. You must also complete 8 hours of annual continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional products) and continue meeting the conditions of licensure in Iowa Code 535D.6.

Renew your Kansas loan originator registration through the Nationwide Multistate Licensing System (NMLS) by December 1 of each year, filing a complete renewal application and the $100 nonrefundable renewal fee after finishing your annual continuing education. Kansas requires 8 hours of CE: 3 hours of federal law, 2 hours of ethics, 2 hours on non-traditional mortgage lending, and 1 hour elective. A registration not renewed expires December 31 but can be reinstated through the last day of February with a $50 reinstatement fee; after that, any application is treated as a new one.

Renew through the Nationwide Multistate Licensing System (NMLS) by November 30 each year. First complete 8 hours of NMLS-approved continuing education during the calendar year, including 1 hour of Kentucky-specific instruction; Kentucky blocks a renewal application until the education is reported. You must also submit a background check, consent to a credit report, keep an active employer sponsorship, and pay the $50 renewal fee plus the NMLS processing fee.

Submit your renewal through NMLS on or before December 31 each year; the renewal fee is $200. You cannot apply to renew until you have completed the required 8 hours of continuing education, which breaks down as 3 hours of federal law, 2 hours of ethics, 2 hours of non-traditional mortgage lending, and 1 elective hour. If you miss the deadline, you can still renew between January 1 and March 1 by paying the $200 renewal fee plus a $50 late fee.

Renew your Maine mortgage loan originator license through NMLS during the annual renewal window, November 1 through December 31. Before applying to renew, 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) by December 31, and Maine prohibits renewing without completed CE. If you miss the deadline, the NMLS reinstatement period runs January 1 through the end of February.

You renew a Maryland MLO license once a year through NMLS, between November 1 and December 31. Before applying, complete 8 hours of continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional products, and 1 hour Maryland law); Maryland blocks renewal until NMLS shows the CE complete. Pay the $225 renewal fee plus the $30 NMLS processing fee; with nothing outstanding, the renewal processes 5 days after submission. If you miss the deadline, you may reinstate during the January-February reinstatement period.

Renew your license through the Nationwide Multistate Licensing System (NMLS) during the renewal window, November 1 to December 31 each year. Before renewing, 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. A license not renewed by December 31 expires January 1, and Massachusetts allows reinstatement only through the last day of February.

Renew your Minnesota MLO license in NMLS between November 1 and December 31. You verify your record, complete the required 8 hours of continuing education (including 1 hour of Minnesota state law and rules), confirm your background check and credit report are current, complete the attestations, and pay the $50 state renewal fee plus the $35 NMLS processing fee. All outstanding items and unpaid invoices must be cleared before the Department approves the renewal.

Renew through the Nationwide Multistate Licensing System and Registry (NMLS) during the annual window, November 1 through December 31. You must complete at least 8 hours of approved continuing education before applying; Mississippi prohibits renewal applications without completed CE. Once the renewal request is received, all documentation, including information correcting deficiencies, must be received within 30 calendar days with no extensions.

Renew your Missouri MLO license through NMLS during the annual window from November 1 to December 31. You must complete 8 hours of NMLS-approved continuing education first, including 1 hour of Missouri law, and Missouri prohibits applying to renew before CE is complete. Renewal also requires active sponsorship by a licensed employer and a new credit report and criminal background check submitted through NMLS, plus payment of all fees and outstanding obligations.

Renew your Montana MLO license through NMLS between November 1 and December 31. You must complete 8 hours of continuing education for the year (3 hours federal law, 2 hours ethics, 2 hours nontraditional lending, 1 hour elective; no Montana-specific hours are required) before renewing, because Montana prohibits renewal if CE is incomplete. Pay the $100 renewal fee plus the $30 NMLS processing fee for individuals, authorize a new credit report, and provide a new criminal background check if it is a 3-year renewal cycle year.

Nebraska MLO licenses expire December 31 every year, and NMLS opens renewal on or about November 1. Before renewing, complete at least 8 hours of NMLS-approved continuing education: 3 hours federal law, 2 hours ethics, 2 hours nontraditional mortgage products, and 1 elective hour. Nebraska prohibits you from applying to renew until CE is complete, and course providers can take up to 7 days to report a completion into NMLS. Renewal costs a $125 state fee plus the $35 NMLS processing fee, and requires a new credit report authorization.

Nevada mortgage loan originators renew every calendar year through NMLS between November 1 and December 31. Before renewing, complete 8 hours of continuing education: 3 hours federal law, 2 hours ethics, 2 hours nontraditional mortgage lending, and 1 hour elective, which a Qualified Employee replaces with 1 hour of Nevada law. MLOs licensed the same year they finished pre-licensing education owe no CE that year. Providers may take up to 7 days to report completions, so finish early. Fees are $50 to Nevada plus the $35 NMLS annual processing fee.

New Hampshire mortgage loan originators renew annually through NMLS during the November 1 to December 31 renewal window. Before renewing, you must 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 the credits posted to your NMLS record, because New Hampshire prohibits applying to renew without completed CE. Course providers can take up to 7 days to report a completion, so finish early. If you miss the deadline, NMLS offers a reinstatement period in January and February.

Renew through NMLS between November 1 and December 31 each year. You must complete 8 hours of continuing education, including 1 hour of New Mexico law, before submitting the renewal, and pay the $200 state renewal fee. Complete and accurate renewal applications are generally processed within 14 days. Course completions can take up to 7 days to appear in NMLS, so finish your CE early.

Renew your North Dakota MLO license through NMLS during the annual renewal window, November 1 to December 31. You must first complete 8 hours of NMLS-approved continuing education (3 hours federal law, 2 hours ethics, 2 hours nontraditional lending, 1 elective), because North Dakota prohibits you from applying to renew if you have not completed CE. You pay a $50 state renewal fee plus a $35 NMLS processing fee. If you miss the deadline, the NMLS reinstatement period runs January 1 through the end of February, and the state may charge an additional $50 reinstatement fee.

Renew in NMLS between November 1 and December 31 each year. First complete 8 hours of NMLS-approved continuing education covering federal law, ethics, and non-traditional mortgage lending; Ohio prohibits renewal applications until CE is complete. Providers may take up to 7 days to report completions, so finish early. You must also verify your record, confirm your background check and credit report, complete the renewal attestation, and pay renewal fees. If you miss the deadline, a January-February reinstatement period may be available.

Renew your Oklahoma mortgage loan originator license through NMLS between November 1 and December 31 each year, paying the renewal fee by December 1 to avoid late fees. You must complete at least 8 hours of NMLS-approved continuing education before you can submit the renewal, and providers may take up to 7 days to report completions, so NMLS advises against waiting until the last minute. Renewals submitted after December 1 incur a late fee of $10.00 per day, up to $300.00, and licenses not renewed by December 31 expire and require a new application.

Renew your Oregon mortgage loan originator license through NMLS between November 1 and December 31 each year. You must file a complete Form MU4, pay the $65 renewal fee, and complete 10 hours of NMLS-approved continuing education, including 2 hours of Oregon-specific CE, before applying; Oregon prohibits you from applying to renew if your CE is not complete. If you miss December 31, NMLS offers a reinstatement window from January 1 through the end of February.

Submit your renewal through NMLS during the annual window, November 1 through December 31. Before filing, complete 8 hours of continuing education, which Rhode Island requires as 3 hours federal law, 2 hours ethics, 2 hours non-traditional lending, and 1 hour of Rhode Island law; the state prohibits renewing without completed CE. You must also authorize an FBI criminal background check and a credit report for the Division of Banking, and resolve all open NMLS items before submitting.

Renew by postmarking your renewal application to the director of the Division of Banking by December 1. Under SDCL 54-14-13.2, you must continue to meet the standards required for the initial mortgage loan originator license and complete the annual continuing education set by rule. The renewal fee for a mortgage loan originator may not exceed $250. If you file after December 1 but before January 1, you pay a late fee of up to 25% of the renewal fee, and after January 1 you must file a new application.

Renew through NMLS during the annual renewal window, November 1 to December 31. You must complete 8 hours of continuing education first: Tennessee blocks the renewal filing itself until CE is complete (the split is 3 hours federal law, 2 hours ethics, 2 hours non-traditional lending, 1 hour elective). For the 2027 renewal, you must authorize a new TransUnion credit report if your last one was authorized before January 1, 2024, and you must either use your existing fingerprints or submit new prints if the background check request predates that date.

You renew through NMLS during the renewal window, which runs November 1 to December 31 each year. Before applying, you must complete your continuing education: Utah Division of Real Estate licensees face a December 15 deadline for 9 hours including a 1-hour Utah-specific update course, while Department of Financial Institutions licensees must finish 8 hours by December 31. If you miss the deadline, the reinstatement period runs through the end of February.

Renew through NMLS during the annual renewal window, November 1 to December 31, before your license expires on December 31. You must complete 9 hours of NMLS-approved continuing education, 8 SAFE hours plus 1 hour of Washington law, by December 15, since providers can take up to 7 days to report completions, and you must pay the $125 annual assessment plus the $35 NMLS processing fee. If you miss the deadline, you can renew through the last day of February with an added $62.50 late assessment.

You renew through the Nationwide Mortgage Licensing System (NMLS) between November 1 and December 31 each year. Before you renew, you must complete West Virginia's 9 hours of continuing education by November 1, including 3 hours of federal law, 2 hours of ethics, 2 hours on nontraditional lending, and 2 hours of West Virginia law. If you miss the deadline, NMLS runs a reinstatement period from January 1 through the end of February.

Submit a renewal application through the Nationwide Multistate Licensing System & Registry (NMLS) between November 1 and December 31, along with the $250 Wisconsin renewal fee and the $35 NMLS annual processing fee. Complete 8 hours of NMLS-approved continuing education by December 31 first, because Wisconsin prohibits MLOs from applying to renew if CE is not complete. If you miss the window, you can renew through the last day of February with an additional $100 fee; after March 1 you must file a new license application.

Submit your renewal request through the Nationwide Multistate Licensing System (NMLS) between November 1 and December 31. You must 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) and pay the $150 renewal fee, and Wyoming bars you from submitting the renewal until the CE is reported complete. If the license expires, Wyoming allows reinstatement until March 1 of the following year.