How often must an NMLS-licensed mortgage loan originator renew their license?

State-licensed mortgage loan originators must renew every year. Federal rule requires license renewal no less often than annually, and the NMLS renewal window runs November 1 to December 31 each year. Renewal requires at least 8 hours of NMLS-approved continuing education completed and posted to your record before you can submit the renewal request.

An Alabama MLO license must be renewed annually. The NMLS renewal window runs November 1 to December 31, and the Alabama renewal fee is $75, in addition to the $35 NMLS annual processing fee. Renewal requires completing the 8 hours of annual continuing education and paying all fees; Alabama prevents renewal filings from MLOs who have not finished their CE.

An NMLS-licensed mortgage loan originator must renew every year. The renewal window runs November 1 through December 31, and renewal requires at least 8 hours of NMLS-approved continuing education completed by December 31. If you miss the deadline, a reinstatement period runs January 1 through the end of February; after that, you must reapply as a new applicant.

An Arizona loan originator license is issued for a one-year period and must be renewed annually. The renewal fee is due each year on or before December 31; a license not renewed by that date is suspended, and it expires if not renewed by January 31, after which only the original-license process can restore it. NMLS opens its renewal window each year from November 1 to December 31, and Arizona blocks you from applying to renew until you complete the required 8 hours of continuing education.

An Arkansas loan officer license renews every year. The renewal window runs November 1 through December 31, licenses expire at the close of business December 31, and the state filing fee is $50. Continuing education of at least 8 hours must be completed before you submit the renewal application.

Mortgage loan originators renew annually. The NMLS renewal window runs November 1 through December 31, and the license or endorsement expires December 31 if no renewal is requested. Renewal requires 8 hours of NMLS-approved continuing education, and a reinstatement period runs through the end of February for those who miss the deadline.

Colorado MLO licenses must be renewed every year. The renewal window runs November 1 to December 31, and the license expires at midnight on December 31 if not renewed; you may not originate loans in Colorado after that point. Renewal is submitted through NMLS only, with the $8.00 renewal fee collected during the NMLS registration renewal.

Connecticut mortgage loan originator licenses must be renewed annually. Each license expires at the close of business on December 31 of the year it is approved unless renewed, and renewal applications are filed between November 1 and December 31 through NMLS. A license approved on or after November 1 does not expire until December 31 of the following year. The renewal license fee is $300.

Delaware MLO licenses expire every year on December 31, so you must renew annually. The renewal filing window opens November 1, and you must submit your renewal through the Nationwide Multistate Licensing System (NMLS) no later than December 1. You cannot apply to renew until you have completed your 8 hours of annual continuing education, which is also due by December 1.

A DC mortgage loan originator license is renewed every year. NMLS opens the annual renewal window on November 1 and closes it on December 31, and DC prohibits an MLO from applying to renew at all if the required continuing education is not completed. If the deadline is missed, NMLS runs a reinstatement period from January 1 through the end of February.

Loan originator licenses must be renewed annually by December 31. Renewal requires at least 8 hours of registry-approved continuing education, including 1 hour covering Florida law, plus a new credit report authorization, fingerprint retention fees, and a nonrefundable $150 renewal fee. If you miss the December 31 deadline, you can still reinstate before March 1 by paying a nonrefundable $150 reinstatement fee in addition to normal renewal fees.

Georgia MLO licenses expire December 31 of each year, so you must renew annually. The renewal window runs November 1 through December 1; late renewals are accepted December 2 through December 31 but may incur a $200 late fine. Renewal also requires 8 hours of continuing education completed by October 31.

A Hawaii mortgage loan originator license must be renewed annually. NMLS opens the renewal window on November 1 and closes it on December 31, and renewal requires completing 8 hours of continuing education before requesting it. If the deadline is missed, the licensee may apply for reinstatement between January 1 and February 28 of the following year.

A mortgage loan originator license must be renewed every year through the Nationwide Multistate Licensing System and Registry (NMLS). The renewal window runs November 1 through December 31, and the license expires on December 31. Idaho Code sets a nonrefundable $100 renewal fee, and a $100 reinstatement fee applies if the renewal is not approved by December 31; reinstatement is available through the end of February.

Illinois MLOs must renew annually. The renewal window runs November 1 through December 31, and the renewal fee is $150. Renewing between January 1 and the last day of February adds a $75 late fee, and 8 hours of continuing education must be completed before you may apply to renew.

An Indiana MLO license must be renewed every year between November 1 and December 31. Renewal requires 8 hours of NMLS-approved continuing education completed by December 31, payment of renewal fees, and resolution of any outstanding NMLS license items. If renewal is not requested by the last day of February, the license automatically expires and a new application is required.

Iowa mortgage loan originator licenses renew annually. Licenses expire on December 31, though licenses issued on or after November 1 but before January 1 do not expire until December 31 of the following year. The renewal application must be submitted through NMLS by December 1 of the year of expiration with a $50 fee, along with the continuing education required by Iowa Code section 535D.10.

Annually. A Kansas loan originator registration expires on December 31 each year and must be renewed by filing a complete renewal application and nonrefundable fee by December 1. An expired registration can be reinstated through the last day of February; anything filed after that date is treated as an original application with all original fees.

A Kentucky mortgage loan originator must renew every year. Registrations run on a calendar-year basis, and the Department of Financial Institutions requires all individuals to renew by November 30, earlier than the national NMLS renewal window that runs November 1 through December 31. Renewal requires 8 hours of continuing education, including 1 hour of Kentucky-specific instruction.

You must renew once a year. Louisiana mortgage loan originators submit renewal applications through the Nationwide Multistate Licensing System (NMLS) on or before December 31 each year, along with the $200 renewal fee. Renewal requires 8 hours of continuing education, and an originator who has not completed it may not apply to renew at all. If you miss the deadline, you can renew between January 1 and the end of February with a $50 late fee.

A Maine mortgage loan originator must renew the license every year. The NMLS renewal window runs November 1 through December 31, and Maine prohibits an MLO from applying to renew until the annual 8 hours of continuing education are complete. If the deadline is missed, the NMLS reinstatement period runs January 1 through the end of February.

A Maryland mortgage loan originator license renews every year. The renewal window in the Nationwide Mortgage Licensing System and Registry (NMLS) runs November 1 through December 31, and you must complete 8 hours of continuing education, pay the $225 renewal fee, and pay the $30 NMLS processing fee before applying to renew.

A Massachusetts mortgage loan originator license is valid for not more than one year and expires December 31 of each year, so renewal is an annual requirement. The NMLS renewal window runs November 1 through December 31, and a license that is not renewed on time expires as of January 1. An expired license can be reinstated through NMLS no later than the last day of February of the license year.

A Michigan mortgage loan originator license expires December 31 of each year and must be renewed on or before December 31. Renewal requires completing 8 hours of continuing education, requesting renewal through the Nationwide Multistate Licensing System (NMLS), and paying the renewal fee. A renewal requested after December 31 is subject to a late penalty of $25 per day, up to a $1,000 maximum.

A Minnesota mortgage loan originator (MLO) license must be renewed every year. Licenses expire on December 31 and are renewable on January 1, with the renewal window in the Nationwide Multistate Licensing System (NMLS) running from November 1 to December 31. The state renewal fee is $50, and renewal requires 8 hours of continuing education, including 1 hour of Minnesota state law and rules.

Mississippi mortgage loan originators must renew annually. The renewal window runs from November 1 to December 31 each year, and renewal requests are submitted through NMLS. A license issued between November 1 and December 31 does not expire until the following December 31, while licenses issued earlier must be renewed beginning November 1.

Missouri mortgage loan originators renew annually. The NMLS renewal window runs November 1 to December 31, and if your renewal is not approved by December 31, your license expires and you are inactive on January 1. Renewal requires an active sponsoring employer, so the Division of Finance rejects renewal requests without sponsorship.

Annually. Montana MLO licenses expire December 31 each year, and the renewal period runs November 1 through December 31 through NMLS. If you miss the deadline, you can reinstate between January 1 and February 28 (or 29 in a leap year) by paying a $250 late-reinstatement fee; after that the license is terminated and you must reapply as a new applicant.

Annually. All Nebraska mortgage loan originator licenses expire December 31 regardless of the date of issue, and initial licenses run until the next December 31. Each renewal requires completing that year's 8 hours of continuing education and paying the renewal fee of $125 to the Department plus the $35 NMLS processing fee.

Annually. Nevada loan originators renew each calendar year through NMLS during the renewal window from November 1 to December 31. If the deadline is missed, NMLS provides a reinstatement period from January 1 through the end of February to submit a renewal request, if the state permits reinstatement.

Annually. New Hampshire mortgage loan originators must renew each year during the November 1 to December 31 renewal window, and the required 8 hours of continuing education must be completed and posted to the NMLS record by December 31. An originator who completed pre-licensure education and was approved for an initial license in the same year does not owe continuing education for that year.

New Jersey MLO licenses renew annually. Renewal requests open November 1 and must be submitted through NMLS by December 31, with a reinstatement period from January 1 through the end of February. You must complete 12 hours of continuing education before requesting renewal, and your individual license will not be renewed until your affiliated company has been renewed.

Annually. All New Mexico mortgage loan originator licenses expire on December 31 each year, and every MLO must submit a renewal application through NMLS by that date. Renewal requires 8 hours of continuing education, including 1 hour of New Mexico content, and the state renewal fee is $200.

A New York mortgage loan originator license expires each December 31 and must be renewed annually through NMLS during the November 1 to December 31 renewal window. Renewal requires 11 hours of continuing education (8 federal hours plus 3 hours of New York-specific content), an updated criminal background check and credit report, and payment of renewal fees. MLOs who do not complete CE by December 31 cannot renew and are moved to terminated-expired status, which requires reapplying.

North Carolina mortgage loan originator licenses renew every year. The renewal window runs November 1 through December 31, and a license not renewed by December 31 expires. You can file a late renewal through the last day of February by paying a $100 late fee on top of the $125 renewal fee, but on or after March 1 you must submit a new application through NMLS.

An NMLS-licensed mortgage loan originator must renew annually. North Dakota licenses are issued for the calendar year, and the renewal window runs from November 1 to December 31. You must complete 8 hours of continuing education and pay all renewal fees, or the license expires.

A mortgage loan originator must renew annually. The NMLS renewal window runs from November 1 to December 31, and Ohio prohibits you from applying to renew until your 8 hours of annual continuing education are complete. If you miss the deadline, you may be able to reinstate during the January-February reinstatement period in NMLS.

You must renew every year. The Oklahoma mortgage loan originator license is valid for one year beginning January 1, and renewal documentation must be submitted through NMLS before December 1 each year. That deadline is earlier than the national December 31 close of the NMLS renewal window, so a timely renewal in Oklahoma means filing by December 1.

Oregon mortgage loan originator licenses expire on December 31 of each calendar year, so you must renew annually. The NMLS renewal window runs from November 1 to December 31, and you must submit renewal information at least 30 days before expiration.

Annually. Pennsylvania mortgage originator licenses run for terms of not more than 14 months and are renewed each year through NMLS during the November 1 to December 31 renewal window. Renewal requires demonstrating continued compliance with all initial licensure requirements, including the 8 hours of annual continuing education.

Rhode Island MLO licenses expire on December 31 and must be renewed annually during the November 1 to December 31 window in NMLS. If you miss that window, you can reinstate between January 1 and the last day of February; after that date you must re-apply for the license.

South Dakota mortgage loan originator licenses expire on the December 31 following issuance, so you must renew annually. A renewal application must be postmarked to the director by December 1. Filing between December 2 and December 31 requires a late fee of up to 25% of the renewal fee, and after January 1 you must file a new application instead of renewing.

You must renew annually, during the Nationwide Mortgage Licensing System & Registry (NMLS) renewal window from November 1 to December 31. Tennessee blocks the renewal filing until you complete 8 hours of continuing education, so the education must be finished before you file. If you miss the deadline, a reinstatement period runs from January 1 through the end of February.

A Texas loan originator must renew annually. The renewal window runs November 1 through December 31, and renewal is completed online through NMLS. A Texas SML loan originator pays a $90 renewal fee and must complete 8 hours of continuing education, and the sponsoring company must also renew its own license or the originator's license lapses to inactive status.

An NMLS-licensed mortgage loan originator in Utah renews annually. A person holding an active license as of October 31 must renew by December 31 of the same calendar year, and a person licensed on or after November 1 renews by December 31 of the following year. The NMLS renewal window runs from November 1 to December 31 each year.

Every year. Vermont law requires an MLO to renew the license on or before December 1 for the next calendar year and pay the renewal fee, which is $100 in state fees plus a $30 NMLS processing fee, or $130 total. A license that misses the December 1 deadline or the continuing education requirement automatically expires on December 31.

Annually. Virginia mortgage loan originator licenses expire at the end of each calendar year, and you renew through NMLS between November 1 and December 31 by paying the $100 renewal fee and completing 8 hours of continuing education. If you miss the deadline, you can still reinstate by meeting all requirements and paying a $30 reinstatement fee before March 1 of the following year.

A Washington mortgage loan originator license expires annually on December 31, so it must be renewed every year. To renew, the licensee must pay the $125 annual assessment and complete 9 hours of NMLS-approved continuing education before the license expires. The NMLS renewal window runs from November 1 to December 31 each year.

Every year. The NMLS renewal window for state-licensed loan originators runs November 1 through December 31. West Virginia requires 9 hours of continuing education, and the state prohibits an originator from applying to renew until that education is complete. A missed deadline can be made up during the reinstatement period, which runs January 1 through the end of February, if the state agency permits.

A Wisconsin mortgage loan originator license must be renewed every year, because all Wisconsin mortgage licenses expire on December 31. You renew through the Nationwide Multistate Licensing System & Registry (NMLS) between November 1 and December 31, paying a $250 state renewal fee plus the $35 NMLS processing fee. If you miss that window, reinstatement runs January 1 through the last day of February with an added $100 fee; after March 1 you must file a new application.

Wyoming mortgage loan originator licenses renew annually. You must submit the renewal request through NMLS between November 1 and December 31 and pay the $150 renewal fee, plus complete at least 8 hours of NMLS-approved continuing education, since Wyoming blocks renewal filing until CE is reported complete. Under state rule, all renewal requirements must be satisfied by December 1, or the license expires December 31.