When does the annual NMLS MLO license renewal period open each year?
The annual NMLS renewal period opens November 1 each year and runs through December 31. State-licensed mortgage loan originators must submit renewal requests, complete the required attestation, and pay applicable fees during this window so licenses stay active for the next calendar year. NMLS encourages finishing continuing education by its SMART deadline, December 5, because providers may take up to 7 calendar days to report course completions.
The renewal window opens November 1 and closes at the end of business on December 31 of each calendar year. You file the renewal application through NMLS, pay the $50 state fee, and complete your 8 hours of continuing education before submitting, since course providers may take up to 7 days to report completions into NMLS.
Sources: Fair Mortgage Lending Act, Ark. Code 23-39-501 et seq., effective Aug 5, 2025 (ASD-published PDF); 23 CAR 301: Rules of the Fair Mortgage Lending Act (Arkansas Securities Department); NMLS: Arkansas state-specific PE and CE requirements for MLOs.
The NMLS renewal window opens on November 1 each year. For Delaware, renewal applications must be submitted through NMLS no later than December 1, and continuing education must also be completed by December 1. Licenses expire on December 31.
Sources: 5 Del. C. Ch. 24: Mortgage Loan Originators (Delaware SAFE Act); 5 Del. Admin. Code § 2401-5.0: Fees (Regulation 2401).
The annual NMLS renewal window opens November 1 and closes December 31. Hawaii follows this national window, so submit your renewal request, complete the attestation, and pay the renewal fees within it, after finishing your 8 hours of continuing education.
Sources: HRS 454F-9: Continuing education; mortgage loan originators (DFI copy, amendments through 2014).
The NMLS renewal window opens November 1 each year and runs through December 31. Idaho licensees should submit by December 1, the state's renewal submission deadline to ensure review before the license expires on December 31, and continuing education must also be completed by December 1.
Sources: NMLS: Idaho state-specific PE and CE requirements for MLOs; Idaho DOF Guidance Statement 2020-01-CFB: financial responsibility/fitness of MLOs and key individuals.
Iowa MLO licenses expire on December 31, and you must submit your renewal through NMLS by December 1 of the expiration year with a $50 nonrefundable fee. Licenses issued on or after November 1 but before January 1 do not expire until December 31 of the following year. Renewals accepted after December 1 incur a late fee of $5 per day, up to $100.
Sources: Iowa Administrative Code 187—Chapter 19: Mortgage loan originators.
The NMLS renewal window opens November 1 each year and closes December 31. Kansas sets an earlier effective deadline: you must file a complete renewal application and the nonrefundable renewal fee by December 1, and you cannot apply to renew your license until you have completed your continuing education.
Sources: K.S.A. 9-2203: License required; loan originator registration; one company; remote locations; K.S.A. 9-2204: Application for mortgage company license and loan originator registration.
The standard NMLS renewal window opens November 1 and runs through December 31. Kentucky sets an earlier deadline: mortgage loan originators must renew by November 30 each year and must have completed 8 hours of continuing education, including 1 Kentucky-specific hour, by that date. A missed renewal triggers a 30-day reinstatement period and a $250 fee.
Sources: KRS 286.8-260: Continuing professional education required for persons registered under subtitle; KRS 286.8-255: Registration with department required for mortgage loan originator; renewals; CE; background checks; minimum standards.
NMLS opens MLO license renewal functionality on or about November 1 each year. All Nebraska mortgage loan originator licenses expire on December 31 regardless of issue date, so you must submit your renewal through NMLS on or before that date.
Sources: NMLS: Nebraska state-specific PE and CE requirements for MLOs; Nebraska NDBF: MLO licensing application FAQ (2021).
The NMLS renewal window opens November 1 each year and runs through December 31. New Hampshire MLOs may submit renewal requests during that window, but the state prohibits renewal for anyone whose continuing education is not completed. NMLS recommends reviewing and verifying your record before November 1 to avoid delays.
Sources: NMLS: New Hampshire State PE and CE Requirements for MLOs; NH Banking Department: Mortgage Bankers, Brokers, Servicers, Originators.
New Mexico's annual renewal window opens November 1 and closes December 31. You must submit the renewal through NMLS by the deadline, complete your 8 hours of continuing education (including 1 hour of New Mexico-specific education), and pay the $200 state renewal fee. New Mexico prohibits you from applying to renew if you have not finished your continuing education.
Sources: NMLS: New Mexico state-specific PE and CE requirements for MLOs; New Mexico FID: industry fees.
The annual NMLS individual renewal window opens November 1 and closes December 31. Oklahoma sets an earlier effective deadline: renewal documentation must be submitted through NMLS before December 1, with late fees applying after that date, and the department recommends submitting by November 1.
Sources: Oklahoma DOCC: Mortgage Loan Originator license page; NMLS: Oklahoma state-specific PE and CE requirements for MLOs.