How much does it cost to renew an MLO license?

Renewing an individual MLO license in NMLS carries a $35 processing fee, a $36.25 criminal background check, and a $15 credit report, plus state renewal fees that vary by agency and may be paid through or outside NMLS. State fees differ widely — North Carolina charges $125 for annual loan originator renewal and Wisconsin charges $250. Fees are nonrefundable, and renewing late during the January-February reinstatement period triggers additional state charges.

Renewing an Alabama MLO license costs a $75 state renewal fee plus the $35 NMLS annual processing fee. You must also complete the 8 hours of annual continuing education before the state will let you renew. The renewal window runs from November 1 to December 31 each year.

Each renewal includes a $35 NMLS annual processing fee for individual Form MU4 filers, plus the Alaska state renewal fee paid through NMLS. The Alaska Division of Banking and Securities will not approve a renewal with an outstanding agency fee invoice or unresolved license items, and fees collected through NMLS are not refundable.

An Arkansas loan officer renewal costs a $50 annual state fee. If you file after the deadline, a $50 late fee is added. The renewal window runs November 1 through December 31. Moving an approved-inactive license back to approved status also requires a $50 fee paid by the sponsoring broker or banker.

Renewing a Delaware mortgage loan originator license costs a $250 license fee, collected through the Nationwide Multistate Licensing System (NMLS), plus an NMLS annual processing fee charged per license and per state. The Office of the State Bank Commissioner also bills a $500 supervisory assessment each July, due by August 1. You must also complete the year's continuing education before you can file a renewal.

Renewing a Hawaii mortgage loan originator license costs a $350 annual state renewal fee, plus a $35 NMLS individual processing fee and a $100 Mortgage Loan Recovery Fund fee. You must complete the annual continuing education requirement before requesting renewal, and you submit the renewal through NMLS during the November 1 to December 31 window.

Renewing an Iowa mortgage loan originator license costs a $50 nonrefundable state fee, due through NMLS by December 1 of the year the license expires, plus NMLS's $35 annual processing fee. A late fee of $5 per day, capped at $100, applies to renewals accepted after December 1. You must also complete 8 hours of continuing education to qualify for renewal.

Renewing a Kansas mortgage loan originator license costs $100, a nonrefundable fee set by Kansas regulation. You must file the renewal application and fee by December 1, and you must complete 8 hours of continuing education before you can apply to renew; course prices vary by provider. NMLS system processing fees are charged on top of the state fee.

Renewing a Louisiana mortgage loan originator license costs $200, the fee listed on the Office of Financial Institutions (OFI) residential mortgage lending fee schedule. You submit the renewal application through the NMLS on or before December 31. If you file after December 31 but before March 1, you pay an additional $50 late fee.

Renewing a Minnesota mortgage loan originator license costs $50 paid to the state plus a $35 NMLS annual processing fee. You must complete the 8 hours of continuing education before submitting the renewal, which runs from November 1 through December 31. The license renews January 1.

Renewal costs $150 plus a $1 EOC fee, and NMLS charges an additional $35 processing fee per loan originator license. If the renewal request and applicable documents are not received by the Department of Banking and Consumer Finance on or before December 31, the cost of renewal increases from $150 to $300. All renewal fees are non-refundable.

Renewing a Missouri MLO license costs a $50 state renewal application fee plus a $35 NMLS annual processing fee. Missouri also requires a new credit report ($15) and criminal background check ($36.25) through NMLS at each renewal. If you file the renewal after December 31, the late renewal application fee is another $50.

Renewing a Nebraska MLO license requires a $125 state renewal fee plus the $35 NMLS annual processing fee, which took effect March 1, 2025. You must also authorize a new credit report, which costs $15. All MLO licenses expire on December 31 regardless of issue date, and renewals must be submitted by then.

Renewing a Nevada MLO license costs a $50 annual renewal licensing fee from the Nevada Division of Mortgage Lending plus a $35 NMLS annual processing fee. NMLS renewal runs November 1 through December 31 each year, and Nevada prohibits submitting a renewal application until the required 8 hours of continuing education are complete.

Renewing costs the $35 NMLS annual processing fee plus the Oklahoma renewal fee, which is set by the Department of Consumer Credit and paid through NMLS. OK DOCC has announced a discount on the license fee for the 2027 renewal season. Renewal documentation must be submitted before December 1; filings after that date incur a late fee of $10 per day, up to $300.

Renewing an Oregon mortgage loan originator license costs a $65 state renewal fee plus the NMLS annual processing fee, which is $35 as of March 1, 2025. The state fee is non-refundable. Licenses expire December 31 each year, and renewal requires 10 hours of completed continuing education.

Renewing a South Carolina loan originator license costs a $50 renewal fee, and the qualified loan originator license renews for $100. NMLS processing fees apply on top of the state fee and vary by agency. If you miss the November 1 to December 31 renewal window, the state can add a late fee of up to $100, and if you fail to renew within 30 days after December 31 you must meet the requirements for initial licensure again.

The NMLS annual processing fee for an individual renewal is $35, and Utah adds state renewal fees that vary by agency. All fees paid through NMLS are non-refundable, non-changeable, and non-transferable. You pay renewal fees through NMLS during the renewal window, which runs from November 1 to December 31 each year.