Important Distinction
These pages address continuing education for state-licensed MLOs. Federally registered MLOs follow a different registration framework through their employing institution.
Prepare for annual license renewal with the correct 2026 NMLS-approved continuing education for every state license you hold.
State-licensed mortgage loan originators generally renew their licenses through NMLS each year during the November 1 through December 31 renewal period. Renewal eligibility can depend on completing required NMLS-approved continuing education and satisfying each state agency’s requirements.
Complete your education early enough for the provider to report the completion and for the credit to appear on your NMLS education record before submitting renewal.
These pages address continuing education for state-licensed MLOs. Federally registered MLOs follow a different registration framework through their employing institution.
Check the education and renewal requirements for each state agency associated with your NMLS record.
Choose the eight-hour comprehensive course or the applicable state-specific course option.
Finish the required seat time, identity verification, activities, and assessments.
Confirm that the completion appears on your NMLS education record before filing renewal.
Review your record, complete required attestations, pay applicable fees, and submit before the deadline.
This course is intended for state-licensed MLOs whose licensing agencies accept a standard eight-hour SAFE comprehensive course. Review your state requirements before enrolling.
Some state agencies require state-law content or additional education. MLOs licensed in more than one state should compare all agency requirements before selecting a course.
A state-licensed MLO may not use the same approved course in the same or successive years. Check your prior education record before registering.
Select the course option that matches the state licenses on your NMLS record.
The standard NMLS annual renewal period for state-licensed individuals runs from November 1 through December 31.
State-licensed MLOs generally must satisfy annual NMLS-approved CE requirements before renewal. State requirements can vary.
The SAFE Act minimum is eight hours: 3 hours of Federal law and regulations, 2 hours of ethics, 2 hours of nontraditional mortgage lending, and 1 elective hour.
Education Pathways reports applicable NMLS-approved course completions. Verify that the credit appears on your NMLS record before submitting renewal.
The successive-year rule generally prevents a state-licensed MLO from using the same approved course in two consecutive years.
Requirements vary by state and may change. Confirm current requirements for every license on your NMLS record.