When does the NMLS annual MLO license renewal period open each year?
The NMLS annual renewal window for state-licensed mortgage loan originators opens November 1 and closes December 31 each year. Completing renewal in that window keeps the license active for the next calendar year. NMLS also runs a reinstatement period from January 1 through the end of February for late renewals in participating states, and some states add late fees or state-specific requirements.
The NMLS renewal window for Arkansas loan officers runs November 1 through December 31 each year. If the renewal application is not filed by December 31, the license expires and any mortgage activity afterward is unlicensed activity. Arkansas accepts a late filing for only 15 days after December 31, with a $50 late fee, before the applicant must file a new application and meet all initial-licensure requirements.
Sources: Fair Mortgage Lending Act, Ark. Code 23-39-501 et seq., effective Aug 5, 2025 (ASD-published PDF).
The NMLS renewal window opens on November 1 each year. Delaware requires mortgage loan originator renewal applications to be submitted through NMLS no later than December 1, even though the general NMLS system window runs through December 31. Delaware licenses expire on December 31 each year.
Sources: 5 Del. C. Ch. 24: Mortgage Loan Originators (Delaware SAFE Act); 5 Del. Admin. Code § 2401-5.0: Fees (Regulation 2401).
The renewal window runs November 1 through December 31 each year. During that window you submit the renewal request, complete the attestation, and pay the renewal fees, and you must finish the annual 8 hours of continuing education before requesting renewal. If you miss the deadline, the reinstatement period runs from January 1 through the end of February.
Sources: HRS 454F-9: Continuing education; mortgage loan originators (DFI copy, amendments through 2014).
The Nationwide Multistate Licensing System (NMLS) renewal window runs November 1 through December 31 each year. Idaho sets a renewal submission deadline of December 1, and requests received after that date may not be reviewed before the license expires on December 31. The Idaho annual renewal fee is $100.
Sources: Idaho Code § 26-31-309 (License Renewal and Reinstatement Requirements), Idaho Residential Mortgage Practices Act.
The NMLS renewal window for individuals opens November 1 each year and runs through December 31. Kansas sets an earlier state deadline: you must file a complete renewal application and the nonrefundable $100 renewal fee by December 1, and you cannot apply to renew until your continuing education is complete. A registration that is not renewed expires on December 31.
Sources: NMLS (Nationwide Multistate Licensing System) Processing Fees schedule, nationwidelicensingsystem.org.
The NMLS renewal period opens on November 1 each year. Kentucky mortgage loan originators face an earlier state deadline: the registration renewal and the 8 hours of continuing education, including 1 Kentucky-specific hour, must be completed by November 30. Kentucky prohibits an MLO from applying to renew before completing the education, and course providers can take up to 7 days to report a completion into NMLS.
Sources: KRS 286.8-260: Continuing professional education required for persons registered under subtitle; NMLS: Kentucky state-specific PE and CE requirements for MLOs.
The Nationwide Multistate Licensing System (NMLS) opens mortgage loan originator renewal on or about November 1 each year. All Nebraska licenses expire December 31 regardless of issue date, and you must submit your renewal on or before that day. Complete your 8 hours of continuing education early, because Nebraska prohibits you from applying to renew with unfinished CE, and course providers can take up to 7 days to report completions into NMLS.
Sources: Nebraska Revised Statute § 45-733 (corroborated by 12 CFR § 1008.107 and the NMLS state-specific education requirements page for Nebraska); NMLS: Nebraska state-specific PE and CE requirements for MLOs.
The renewal window opens November 1 each year and runs through December 31. New Hampshire loan originators must complete their continuing education before applying to renew, and because providers can take up to 7 days to report a course completion into the Nationwide Multistate Licensing System (NMLS), the system's guidance is to finish early rather than wait for the deadline.
Sources: NMLS: New Hampshire State PE and CE Requirements for MLOs.
The NMLS renewal window for individuals opens November 1 and closes December 31 each year. New Mexico MLO licenses expire December 31, and the Financial Institutions Division begins processing renewal applications on November 1. You cannot apply to renew until your 8 hours of continuing education are complete, and course completions can take up to 7 days to report into NMLS, so the state advises against waiting until the last minute.
Sources: NMLS: New Mexico state-specific PE and CE requirements for MLOs.
The NMLS individual renewal window opens on November 1 each year and runs through December 31. Oklahoma sets an earlier deadline: renewal documentation must be submitted and the renewal fee paid by December 1, and submissions after that date are late. Late renewals incur a fee of $10.00 per day, up to a maximum of $300.00 in addition to the renewal fee.
Sources: OK DOCC GovDelivery Renewal Reminder bulletin (Sept. 19, 2022).