What is the deadline to submit an MLO license renewal?

The annual renewal window for state-licensed mortgage loan originators runs November 1 through December 31 in the Nationwide Multistate Licensing System (NMLS), and a license not renewed by December 31 may be terminated or marked ineligible. NMLS then opens a reinstatement period from January 1 through the last day of February, though some state agencies do not participate. Some agencies set earlier deadlines; Georgia, for example, assesses a late fee unless a complete renewal is received by December 1.

The annual renewal window runs November 1 to December 31, and Alabama mortgage loan originators must renew through the Nationwide Multistate Licensing System (NMLS) during that window. Alabama blocks an MLO from applying to renew until the 8 hours of annual continuing education are complete, and the deadline to finish that education is December 31. If the deadline is missed, an NMLS reinstatement period runs January 1 through the end of February.

The renewal window runs November 1 through December 31, filed through NMLS. Arkansas accepts a late loan officer renewal for 15 days after December 31 with a $50 late fee; after that window, the licensee must file a new application and meet all initial-licensure requirements. Continuing education (8 hours) must be completed before the renewal application is submitted.

A Connecticut mortgage loan originator license expires at the close of business on December 31 unless renewed, and renewal applications must be filed between November 1 and December 31 of the year the license expires. You cannot apply to renew before completing your continuing education, and the CE deadline is December 31. Because a course provider may take up to 7 days to report a completion into NMLS, waiting until the final week can block the renewal filing.

Individuals submit renewal requests through NMLS during the annual window from November 1 to December 31. In DC, you cannot apply to renew until you have completed the required 8 hours of continuing education, and the deadline to complete CE is November 1. If you miss the window, the NMLS reinstatement period runs from January 1 through the end of February; otherwise a new application is generally required.

Submit your Idaho mortgage loan originator renewal through NMLS by December 1, 2026. Requests received after that date may not be reviewed before the license expires on December 31, 2026. Renewals not approved by December 31 due to late or incomplete filings incur a $100 reinstatement fee per license, and reinstatement is available only through February 28, 2027. You must also complete your 8 hours of continuing education before applying, because Idaho prohibits renewal applications until CE is finished.

Kentucky mortgage loan originators must renew by November 30 each year, earlier than the national renewal window that runs through December 31. Before renewing, you must complete 8 hours of continuing education, including 1 Kentucky-specific hour, and submit a background check and consent to a credit report. The renewal fee is $50 plus a Nationwide Multistate Licensing System (NMLS) processing fee. A missed renewal triggers a 30-day reinstatement period with a $250 fee.

Maine MLO renewals follow the NMLS renewal window, November 1 through December 31 each year. Maine prohibits you from applying to renew if you have not completed your 8 hours of continuing education, and providers may take up to 7 days to report a course completion into NMLS, so finish early. If you miss the deadline, the NMLS reinstatement period runs January 1 through the end of February.

You must submit your Minnesota MLO renewal through NMLS between November 1 and December 31 each year. The license expires December 31 and renews January 1. You may not apply to renew until your annual continuing education is complete, and the license must be in Approved and Renewed status by January 1 to conduct business.

Submit your MLO renewal request through NMLS between November 1 and December 31. NMLS does not accept renewal submissions after midnight EST on December 31, and if the request and documents are not received by the Mississippi Department of Banking and Consumer Finance by that date, the renewal fee increases from $150 to $300. NMLS also runs a reinstatement period from January 1 through the end of February.

The deadline is December 31. The NMLS renewal window runs each year from November 1 to December 31, and Missouri prohibits applying to renew before continuing education is complete. A renewal application not received by the Division of Finance before December 1 cannot be assured of issuance before January 1, when the license is considered expired. The renewal fee is $50, and a $50 late fee applies to applications filed after December 31.

A Montana mortgage loan originator license must be renewed by December 31 each year through NMLS. The renewal window opens November 1, and a completed renewal submitted by November 30 is guaranteed to be processed by January 1. A license not renewed by December 31 expires that day, and it can then be reinstated only between January 1 and February 28/29 by paying a $250 late fee through NMLS.

Nebraska MLO license renewals must be submitted through NMLS on or before December 31; all licenses expire December 31 regardless of issue date. You must complete your 8 hours of continuing education before applying, and providers can take up to 7 days to report a completion into NMLS, so you should finish CE well before the deadline. If you miss December 31, you may request reinstatement through the last day of February.

New Hampshire MLO renewals run during the NMLS annual window, November 1 through December 31. You must complete 8 hours of continuing education by December 31, and New Hampshire prohibits an MLO from applying to renew the license if CE is not complete. Because a course provider can take up to 7 days to report a completion into NMLS, finish CE well before the deadline. If the deadline is missed, NMLS offers a reinstatement period in January and February.

Oklahoma requires renewal documentation to be submitted through NMLS before December 1 each year, within the national renewal window that runs November 1 to December 31. Renewals received after December 1 are late and incur a fee of $10 per day, up to a maximum of $300 in addition to the renewal fee. Licenses not renewed by December 31 expire, and the person must then apply for a new license.

Oregon mortgage loan originator licenses expire December 31 each year, and the NMLS renewal window runs November 1 to December 31. Oregon requires renewal information to be submitted at least 30 days before expiration. You may not apply to renew until your 10 hours of continuing education, including 2 hours of Oregon-specific CE, are complete, and a renewed license will not issue without current-year CE.

Rhode Island MLO licenses expire December 31 each year. You must submit your renewal through NMLS during the renewal window, November 1 through December 31. If you miss that window, the reinstatement period runs January 1 through the last day of February; after that date, you must re-apply for the license.

Vermont MLO licenses renew on or before December 1 each year for the next calendar year. Renewal costs $130 total: a $100 statutory renewal fee plus a $30 NMLS processing fee. A license that fails to renew or meet all renewal standards, including the 8 hours of continuing education, by December 1 automatically expires on December 31.

West Virginia MLOs renew through NMLS between November 1 and December 31 each year. Continuing education must be complete by November 1, and West Virginia prohibits an MLO from applying to renew if CE is unfinished. Course providers may take up to 7 days to report a completion into NMLS, so waiting until the last minute can block the renewal filing. A reinstatement period runs January 1 through the end of February for those who miss the deadline.