Where can I find NMLS-approved MLO continuing education providers?
NMLS-approved continuing education providers are listed in the NMLS course catalog, which you can search by state and course type. The NMLS itself does not offer CE courses, to keep the course-approval process independent. Once you finish an approved course, the provider reports your completion to NMLS, typically within 7 calendar days, and the credit posts to your NMLS record.
NMLS-approved continuing education providers are listed in the official NMLS course catalog on the NMLS website, where courses can be searched by state and delivery format. Alabama requires 8 hours annually: 3 hours federal law, 2 hours ethics, 2 hours on nontraditional lending, and 1 elective hour. The same course cannot be taken two years in a row, and CE completed under any state's NMLS-approved 3/2/2 program counts toward Alabama's requirement.
Sources: NMLS: Alabama state-specific PE and CE requirements for MLOs.
Continuing education for Alaska mortgage loan originators must come from providers whose courses are approved by the Nationwide Multistate Licensing System (NMLS), and those providers report course completions directly into your NMLS record. Alaska requires 8 hours annually, covering federal law, ethics, and non-traditional mortgage lending. Completions can take up to 7 days to appear in NMLS, so finish well before the December 31 deadline.
Sources: NMLS: Alaska state-specific PE and CE requirements for MLOs (MLO Testing Handbook).
Arkansas does not maintain its own continuing education catalog. All 8 annual hours (3 federal law, 2 ethics, 2 nontraditional lending, 1 elective) come from providers approved by the Nationwide Multistate Licensing System (NMLS), and the Arkansas Securities Department refers applicants to the NMLS course-provider listings. An approved instructor earns 2 hours of credit for every 1 hour taught, but the same course cannot be taken for credit again in the same or following year.
Sources: NMLS: Arkansas state-specific PE and CE requirements for MLOs; 23 CAR 301: Rules of the Fair Mortgage Lending Act (Arkansas Securities Department).
Continuing education for a California MLO must come from providers approved by the Nationwide Multistate Licensing System (NMLS), which maintains the directory of approved providers and courses. California requires 8 hours annually: 3 hours of federal law, 2 hours of ethics, 2 hours on nontraditional lending, and 1 hour of California law for DFPI licensees or a general elective for DRE endorsement holders. Providers may take up to 7 days to report completions, so finish by early December.
Sources: California DRE: MLO License Endorsement Information; California DFPI Mortgage Loan Originators FAQ, corroborated by NMLS CA-DFPI state-specific PE/CE requirements page and Cal. Fin. Code § 22109.2; California DFPI: Mortgage Loan Originators – FAQs.
The Colorado Division of Real Estate lists approved education providers on its mortgage loan originator program pages. Any school providing MLO education to Colorado students must be approved by NMLS, and private schools that actively solicit and enroll Colorado residents must also be approved by the Colorado Division of Private Occupational Schools.
Sources: Colorado Division of Real Estate: MLO steps for initial licensure; Colorado DRE: MLO application instruction guide (incl. temporary authority).
NMLS maintains the directory of approved continuing education providers and courses, searchable by state. Delaware requires 8 hours annually, and CE approved for any other state is accepted as credit in Delaware, so any NMLS-approved provider offering 3 hours of federal law, 2 hours of ethics, 2 hours on nontraditional lending, and 1 elective hour satisfies it. Course completions can take up to 7 days to appear in NMLS, so finish well before the December 1 deadline.
Sources: 5 Del. C. Ch. 24: Mortgage Loan Originators (Delaware SAFE Act); NMLS: Delaware State-Specific PE and CE Requirements for MLOs.
Florida mortgage loan originators find approved continuing education providers through the NMLS education catalog, at the nationwide licensing system's website. Florida requires 8 hours of NMLS-approved continuing education each year, including at least 1 hour covering Chapter 494, Florida Statutes, and Rule Chapter 69V-40, Florida Administrative Code. Because a provider may take up to 7 days to report a completion into NMLS, you should finish the coursework well before the December 31 renewal deadline.
Sources: Fla. Stat. 494.00313: Loan originator license renewal; NMLS: Florida state-specific PE and CE requirements for MLOs.
Georgia MLO continuing education must come from an NMLS-approved provider, and the NMLS Resource Center lists approved providers and courses under its Professional Standards section. The annual requirement is 8 hours, including 1 hour of Georgia-specific law and rules, and it must be completed by October 31.
Sources: Ga. Comp. R. & Regs. 80-11-5: Mortgage loan originator licensure and other requirements.
Illinois requires MLOs to complete 8 hours of continuing education each year through providers approved by NMLS: 3 hours of federal law, 2 hours of ethics, 2 hours of non-traditional mortgage lending, and 1 hour elective. Illinois adds no state-specific hours. You take the courses through NMLS-approved providers, and completions must post to your NMLS account before you can renew.
Sources: IDFPR: Mortgage Loan Originator (MLO) Renewals Frequently Asked Questions (PDF).
You can find approved continuing education providers and courses in the education catalog on the NMLS website, since all Massachusetts mortgage loan originator continuing education must be NMLS-approved. Each year you need 8 hours: 3 hours of federal law, 2 hours of ethics, 2 hours on nontraditional mortgage products, and 1 hour of Massachusetts law. The deadline to finish is December 31, and course providers can take up to 7 days to report your completion.
Sources: 209 CMR 41.00: The Licensing of Mortgage Loan Originators (full text, Final Amendments effective 1/10/20); Massachusetts Division of Banks: Apply for a Mortgage Loan Originator license; NMLS: Massachusetts state-specific PE and CE requirements for MLOs.
Michigan MLO continuing education is delivered by NMLS-approved providers, and courses are scheduled through NMLS. Every state-licensed MLO must complete at least 8 hours annually: 3 hours of federal law, 2 hours of ethics, 2 hours of non-traditional mortgage lending, and 1 hour of electives. The deadline to complete continuing education is December 31, and providers may take up to 7 days to report a course completion into NMLS, so you should not wait until the last minute.
Sources: Michigan DIFS: Mortgage Loan Originator licensing page; Michigan DIFS: Mortgage Loan Originator and Seller Financing FAQ; NMLS: Michigan state-specific PE and CE requirements for MLOs.
Missouri continuing education comes from NMLS-approved providers. The annual requirement is 8 hours: 3 hours of federal law, 2 hours of ethics, 2 hours of nontraditional lending, and 1 hour of Missouri law, which is the only state-specific hour beyond the national baseline. Approved instructors earn 2 hours of CE credit for every 1 hour taught, and the same course cannot be repeated in the same or successive years.
Sources: RSMo 443.723: MLO continuing education requirements; RSMo 443.717: MLO prelicensing education requirements.
NMLS-approved continuing education providers and courses are listed in the NMLS course catalog, and Nebraska accepts any NMLS-approved CE course. Nebraska requires 8 hours each year: 3 hours federal law, 2 hours ethics, 2 hours nontraditional mortgage products, and 1 elective hour, with no Nebraska-specific CE content. Nebraska statute also allows your employer to provide the continuing education.
Sources: Nebraska Revised Statute § 45-733 (corroborated by 12 CFR § 1008.107 and the NMLS state-specific education requirements page for Nebraska).
NMLS-approved continuing education providers are listed in the course catalog on the NMLS website, where courses can be searched by state. Nevada requires all 8 annual CE hours (3 federal law, 2 ethics, 2 non-traditional mortgage lending, 1 elective) to come from NMLS-approved providers. Course completions are reported to your NMLS record, usually within 7 calendar days.
Sources: NMLS: Nevada state-specific PE and CE requirements for MLOs; Nevada MLD: residential/commercial MLO FAQ.
NMLS-approved continuing education providers are listed in the NMLS course catalog. New Jersey requires 12 hours of CE each year to renew: 3 hours of federal law, 2 hours of ethics, 2 hours on non-traditional mortgage products, 3 hours of electives, and 2 hours of New Jersey law. New Jersey also accepts CE completed in another state if NMLS has reviewed and approved it.
Sources: NJ DOBI: Individual license renewals (MLO/QI); N.J.A.C. 3:15-2.12: Continuing education requirements for renewal as a mortgage loan originator or qualified individual licensee; NJ DOBI Bulletin 12-10 to RMLA licensees and MLOs (2013 renewals).
New York MLO continuing education must come from NMLS-approved providers, which are listed in the NMLS course catalog, and totals 11 hours annually: 8 hours of federal CE plus 3 hours of New York-specific content. DFS does not accept other states' jurisdiction-specific courses, and late CE taken after December 31 of the renewal year does not count. Course providers can take several days to report completions into NMLS, so waiting until the deadline can prevent timely renewal.
Sources: NMLS: New York State-Specific PE and CE Requirements for MLOs.
Continuing education for mortgage loan originators must come from providers approved by the Nationwide Multistate Licensing System (NMLS); the NMLS course catalog lists the approved courses. North Carolina requires 8 hours each year: 3 hours of federal law, 2 hours of ethics, 2 hours on nontraditional mortgage lending, and 1 hour of North Carolina statutes and rules. The same course cannot be taken two years in a row for credit.
Sources: North Carolina Commissioner of Banks: MLO licensing requirements; NCCOB: NC prelicensing education requirements.
Approved providers and courses are listed in the NMLS course catalog. Ohio adds no state-specific hours beyond the federal 8 hours of continuing education, which cover federal law, ethics, and non-traditional mortgage lending. Finish by December 31, because Ohio prohibits renewal applications until CE is complete, and providers may take up to 7 days to report completions into NMLS.
Sources: NMLS: Ohio state-specific PE and CE requirements for MLOs.
Continuing education must come from education providers approved by NMLS. Tennessee requires 8 hours annually, split as 3 hours federal law, 2 hours ethics, 2 hours non-traditional lending, and 1 hour elective, with no additional state-specific hours. Approved providers offer formats such as self-paced online courses, video courses, and live webinars, and course costs vary by provider. Providers may take up to 7 days to report a completion into NMLS, so finish before the December 31 deadline.
Sources: NMLS — SAFE Act Education Requirements (NMLS Education Functional Specification); NMLS: Tennessee state-specific PE and CE requirements for MLOs.
Texas requires 8 hours of continuing education annually through an NMLS-approved provider: 3 hours federal law, 2 hours ethics, 2 hours non-traditional lending, and 1 hour elective. Approved providers and courses are tracked through NMLS, which also holds your completion records. Providers have 7 calendar days to report completions, and NMLS will not let you request renewal until the record posts, so finish CE well before the December 31 deadline.
Sources: NMLS: Texas (TX - SML) state-specific PE and CE requirements for MLOs.
Virginia accepts any course approved through the Nationwide Multistate Licensing System and Registry (NMLS), and the NMLS education catalog lists the approved providers. The annual requirement is 8 hours: 3 hours of federal law, 2 hours of ethics, 2 hours on nontraditional lending standards, and 1 elective hour. Completing Registry-approved continuing education that satisfies any state's 8-hour requirement also satisfies Virginia's.
Sources: Va. Code § 6.2-1710. Continuing education requirements; Va. Code § 6.2-1708. Pre-licensing education of mortgage loan originators.
The NMLS Resource Center lists all NMLS-approved continuing education providers, and Washington licensees may take their required 9 hours from any provider on that list. Providers have up to 7 days to report completed courses to NMLS, and you cannot renew until the education posts, so finish your hours early. The same course cannot be taken two years in a row, though courses from the same provider are allowed.
Sources: Washington DFI: Mortgage Loan Originator Continuing Education.